Auto Insurance for SSI Recipients: Everything You Need to Know
A few states offer discount car insurance programs to those on a fixed income, but for the most part, SSI recipients will need to pay for coverage on their own. You can find the lowest auto insurance rates by comparing quotes and asking about available discounts.
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UPDATED: Jul 23, 2022
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- The Supplemental Security Income (SSI) program provides monthly payments to people with disabilities whose income is below specified financial limits
- SSI recipients must find affordable car insurance coverage if they own and drive a vehicle
- Comparing insurance quotes from multiple companies may allow you to find cheaper rates
If you or a loved one has a disability, you may be familiar with the Supplemental Security Income (SSI) program. With SSI, individuals can receive $841 monthly, and couples can receive up to $1,261 per month.
Receiving SSI can be helpful, but being on a fixed income makes it difficult to pay for certain things. Car insurance coverage while on SSI can often be difficult to figure out. But disability car insurance may come at a more affordable price.
If you need car insurance for disabled people, the best thing you can do is find and compare car insurance quotes from multiple companies in your area. You may find that rates for coverage in your area are relatively low.
What is Supplemental Security Income?
Supplemental Security Income (SSI) is a subsidy from the federal government that pays individuals or households who are blind or disabled and thus have low income and resources. With SSI, people receive a specific amount per month, and individuals can spend this money however they like.
You likely don’t have additional income from many sources when you receive SSI. So paying for certain things may be difficult. Car insurance is no different. But anyone who can drive with a disability is responsible for having proper insurance.
Depending on the nature of your disability, you may not be legally allowed to drive. But if you are, there are several ways you can search for car insurance that may work best for you as an SSI recipient.
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How much is SSI auto insurance?
The amount you will pay for car insurance as an SSI recipient depends on several factors. Insurance companies determine policyholders’ rates by considering multiple things, such as:
- Marital status
- ZIP code
- Car make and model
- Driver history
- Credit score
- Coverage types
The table below shows standard rates for auto insurance based on coverage type in each state.
States Average Annual Liability Rates Average Annual Collision Rates Average Annual Comprehensive Rates Average Annual Full Coverage Rates
Alabama $417 $323 $158 $898
Alaska $567 $361 $140 $1,069
Arizona $543 $281 $189 $1,013
Arkansas $412 $328 $197 $937
California $504 $402 $99 $1,004
Colorado $542 $289 $185 $1,017
Connecticut $685 $374 $132 $1,191
Delaware $808 $319 $122 $1,248
District of Columbia $663 $471 $231 $1,364
Florida $885 $288 $119 $1,293
Georgia $597 $341 $160 $1,097
Hawaii $462 $315 $102 $878
Idaho $368 $222 $118 $708
Illinois $460 $308 $127 $895
Indiana $393 $252 $122 $767
Iowa $310 $223 $188 $721
Kansas $365 $263 $244 $873
Kentucky $541 $273 $141 $956
Louisiana $814 $421 $217 $1,451
Maine $353 $267 $101 $721
Maryland $633 $357 $154 $1,145
Massachusetts $612 $392 $136 $1,141
Michigan $816 $420 $152 $1,388
Minnesota $461 $234 $185 $881
Mississippi $471 $328 $210 $1,010
Missouri $436 $278 $183 $897
Montana $400 $266 $225 $891
Nebraska $377 $240 $229 $846
Nevada $716 $308 $115 $1,139
New Hampshire $406 $300 $109 $816
New Jersey $896 $383 $127 $1,405
New Mexico $510 $279 $175 $964
New York $823 $393 $169 $1,384
North Carolina $359 $295 $127 $781
North Dakota $296 $249 $237 $782
Ohio $406 $273 $121 $800
Oklahoma $470 $318 $227 $1,014
Oregon $609 $230 $93 $932
Pennsylvania $509 $331 $146 $986
Rhode Island $790 $415 $131 $1,337
South Carolina $554 $269 $182 $1,005
South Dakota $306 $215 $264 $785
Tennessee $427 $314 $148 $889
Texas $550 $380 $207 $1,137
Utah $510 $269 $112 $891
Vermont $357 $303 $131 $791
Virginia $437 $284 $139 $859
Washington $610 $268 $108 $985
West Virginia $508 $332 $204 $1,045
Wisconsin $381 $227 $138 $747
Wyoming $341 $277 $253 $871
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As a disabled driver, you may find that your rates differ from those listed in the tables. For example, you may sometimes pay higher rates because you pose more risk to insurance companies. But in other instances, you may pay lower rates if you do not drive that often or take advantage of specific discounts on coverage.
Can I get car insurance discounts as an SSI recipient?
You won’t get car insurance discounts specifically for receiving a monthly SSI supplement. But companies offer discount options for various reasons. Some of the most common auto insurance discounts available to policyholders in the U.S. include:
- Safe driving
- Defensive driver
- Safety devices
- Good student
Discounts on coverage typically help policyholders save anywhere from 5% to 25%. You can speak with a representative from your insurance company to see if you qualify for a discount on your coverage.
Are there other ways to save on car insurance if I get SSI?
While disabled car insurance doesn’t exist, you may be able to find car insurance for your disability at a cheaper rate. However, you will have to speak with individual insurers to see if this is possible, and most insurance companies will not offer discounted rates because of a disability.
Still, there are other easy ways for you to save money on coverage. For example, if you live with a spouse, dependent, or parent, you may be eligible for lower rates if you bundle your coverages together. This is considered a bundling advantage with most companies.
You may benefit from a usage-based policy if you don’t drive very often. Driving seldom means you’re not as risky to most insurers since you spend less time on the road. A usage-based policy may be helpful if you do not drive much in the evenings or on the weekends.
Lastly, there are a few options for government assistance programs that could benefit you based on your unique situation.
Which government assistance programs work for SSI recipients?
Certain states fund auto insurance programs that help provide affordable car insurance for SSI recipients:
- Maryland. The Maryland Auto Insurance Fund (MAIF) provides liability coverage to individuals who cannot afford standard insurance rates.
- New Jersey. The Special Automobile Insurance Policy (SAIP) is available to low-income families. It provides rates as low as $1 a day for car insurance that meets NJ’s liability requirements.
- California. The Low-Cost Automobile Program (CLCA) provides liability protection at affordable rates to low-income families. Eligible individuals must be within 250% of the federal poverty limit.
- Hawaii. Assistance to the Aged, Blind, and Disabled (AABD) provides free car insurance to people who qualify.
If you do not live in one of the states above, you may not be eligible for federal or state assistance. But there may be charitable organizations or groups in your area that could help you find affordable auto insurance or pay for some or your entire premium on your behalf.
How to Find Affordable Car Insurance for SSI Recipients
If you receive SSI, you likely live on a fixed income. But you are still responsible for maintaining a valid car insurance policy on your vehicle. You may be able to find cheap auto insurance with certain companies, or you could be eligible for discounts on coverage.
To find affordable coverage, shop online and compare quotes from multiple companies to see which offers the best rates on coverage. You may be surprised at how cheap your car insurance rates could be.
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