Car Insurance for a SSI Recipient

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Things to remember...
  • SSI offers a monthly benefit to those who qualify
  • Many SSI recipients do not know that there are programs available to help out with car insurance
  • Driving a vehicle that is modified to accommodate your physical condition may result in lower car insurance
  • The Ticket to Work Program may be able to help you find a job, while still maintaining your disability income

Many people depend on Supplemental Security Income (SSI) in the United States.

If you are on a limited income but don’t think you can afford car insurance there may be something out there for you.

Compare car insurance quotes today and see how much you could save!

What is SSI?

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SSI is a monthly benefit that helps supplement income for those who are qualified, specifically the following people:

  • Those who are disabled
  • Those who are blind
  • Those who are over the age of 65

While it may act as a supplement to some, others depend on it solely. According to the Social Security Administration, the most an individual can receive in a month is $733.

In today’s economy, $733 doesn’t go very far, especially when considering the cost of living. That amount will be reduced significantly if the recipient has additional income coming in from another source.

Those who are enrolled in the SSI program often qualify for other state benefits such as Medicaid and food assistance. But what about car insurance?

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How can an SSI recipient get an affordable rate on car insurance?

The common misconception is that car insurance is expensive for those who are disabled or the elderly.

While some disabilities may put you in a higher risk category, not all are categorized the same.

As someone who is disabled with a limited income, you have to take extra care when searching for rates. There are a few things that insurance companies will look kindly upon when considering your rates:

  • Modifying your vehicle to accommodate your disability
  • Keeping an excellent driving record
  • Taking a safe driving course

Find out if your disability has been reported as a driving hazard from your medical provider. If they have reported it to the state, then the insurance companies may consider you a high-risk driver.

If this happens, don’t fret. It may calculate into a slightly higher rate, but in the long run, it won’t be much.

You may want to consider being added to another family member’s policy. This is almost a guarantee that it will be cheaper than taking out your own individual policy.

This most often requires that you live in the same house as your family member, but some insurance companies differ on this stance.

How to Pay for Car Insurance While on SSI

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In addition to lowering your monthly car insurance payment, there may be other options available to help you pay for car insurance while on a limited income.

If you do have the physical ability and mental capacity to work, try applying for the Ticket to Work Program, designed to help those who are on SSI find a job that is able to accommodate their disability.

The extra money (even if it is just a few hundred dollars a month) can help you pay for car insurance.

If you qualify for Medicaid, then you may want to check out if your state’s Medicaid office offers supplemental insurance programs. New Jersey offers the Special Automobile Insurance Policy to Medicaid recipients.

This type of state-funded car insurance program is to help those who can’t necessarily afford insurance on a limited income. The cost is very inexpensive and provides emergency treatment in an accident as well as a death benefit.

Be sure to check with your state and see if they offer a similar program.

These days a car is almost a necessity, especially if you don’t have family at your beckoning call. You shouldn’t have to go without a car just because you can’t afford car insurance. As an SSI recipient, you can obtain affordable car insurance.

Compare and save today by entering your zip code below!

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