The company offers a brief guide to government auto insurance for low-income people


The company provides detailed information on government insurance policies.

It is illegal in America to drive in an uninsured car. However, purchasing car insurance from a private company can be very expensive. With a minimum wage as low as $7.25 an hour, only a few people can afford expensive insurance. But, since they must comply with state law, the majority of low-income people must spend their hard-earned money on insurance payments rather than basic necessities.

If someone is also having trouble repaying their insurance due to financial issues, they can look for cheap insurance options. A great option is government auto insurance for low-income people. This is a government-backed insurance policy created to help low-wage people.

The team interviewed Laura Adams, insurance and finance analyst at, to learn more about government auto insurance for low-income people. Laura Adams is one of the nation’s leading authorities on finance, insurance and small business. She gave some helpful tips that can be used to save money and get great coverage.

If you want to learn more about government auto insurance, keep reading.

Government car insurance for low-income people

Government auto insurance is a government program that provides low-income people with subsidized auto insurance. Even when private insurance programs claim to be economical, government auto insurance offers lower rates than any private insurance coverage. The purpose of government auto insurance is to help people who are already struggling financially due to low wages.

States offering government auto insurance

The state’s approach to helping its low-income citizens is admirable. However, not all states offer low-income residents auto insurance. Only three states, Hawaii, California and New Jersey, offer this policy. Each has its own set of eligibility rules for government-backed auto insurance, which are outlined below:

#1: Hawaii Car Insurance Policy

Hawaii private auto insurance coverage is approximately $829. However, the state of Hawaii offers less expensive auto insurance for those who qualify. The state also provides free auto insurance to people in its Elderly, Blind, and Disabled (AABD) program.

The eligibility criteria for the Hawaii government auto insurance program are quite specific. It only provides assistance to people who meet the following conditions:

  • Be a resident of the State of Hawaii
  • Have a valid state driver’s license
  • Member of Federal Supplemental Security Income (SSI) or other financial assistance program

#2: California Auto Insurance Policy

The cost of private auto insurance in California averages around $1,034. California offers a government auto insurance policy, also called the California Low-Cost Auto Insurance Program (CLCA).

The eligibility criteria are quite simple:

  • Income and number of people in the household ($32,000 for 1 person to $77,600 for 5 people)
  • Must be over 16 years old
  • Valid state driver’s license
  • Own a vehicle with a maximum value of $25,000
  • Good driving record

#3: New Jersey Auto Insurance Policy

In the state of New Jersey, the cost of private auto insurance is $1,386 on average. New Jersey has two programs that provide government auto insurance to its citizens. These are the Special Automobile Insurance Policy (SAIP) and the New Jersey Personal Automobile Insurance Plan (NJ PAIP). The latter of the two offers better financial coverage but is more expensive, and the former is a “dollar a day” auto insurance program.

The eligibility criteria are very simple:

  • Being currently uninsured
  • Be currently enrolled in a Medicaid program that covers medical expenses.

The end note:

Due to the high cost of insurance, many people are looking for cheaper options. The government auto insurance program is an affordable option if someone qualifies. At, people can find car insurance according to their budget.

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