Can't Afford Auto Insurance? Consider A Low Cost State-Sponsored Policy

Lawmakers and advocate groups are doing everything they can to reduce the number of uninsured drivers on the road. Not only are uninsured drivers more likely to get into an accident according to recent studies, but they drive up auto insurance costs for everyone.

Some states have enacted low cost auto insurance policies for drivers with low income that cannot afford auto insurance.

• New Jersey: New Jersey provides a Basic Policy option and Dollar-A-Day policy option for those who qualify. The basic policy has a coverage maximum of $15,000 in personal injury protection (PIP), $10,000 in bodily injury liability coverage, $5,000 in property damage liability insurance coverage and $250,000 in medical payments. The Dollar-A-Day option provides an unbelievably low rate, but the benefits are limited. This plan does not include liability auto insurance. It covers emergency medical services after an accident and death benefits.
• California: The California Assigned Risk Program is a program that provides auto insurance to low-income motorists that qualify. Qualifications for this low cost auto insurance require a driver of at least 19 years of age, a car valued at no more than $20,000, a good driving record, and incomes that does not exceed 250 percent of the poverty level. This low cost auto insurance policy provides liability coverage at a maximum of $10,000 for one person and $20,000 for all people injured in an accident. An individual applicant must earn no more than $26,000 to be eligible for this auto insurance program.

  If you do not qualify for these programs, find affordable auto insurance quotes from at least three different auto insurance companies by using our free auto insurance quotes search.