Cheap Auto Insurance for SSI Recipients in 2024 (Save With These 8 Companies!)

The lowest rates for cheap auto insurance for SSI recipients can be found at AAA, with MetLife and Safeco’s rates coming in close behind.

Below, you can see some more options for the cheapest auto insurance companies for SSI recipients, Erie Insurance to Amica.

Our Top 8 Company Picks: Cheap Auto Insurance for SSI Recipients

If you need auto insurance for disabled people, the best thing you can do is find and compare auto insurance quotes from multiple companies in your area. You may find that rates for coverage in your area are relatively low. You can also enter your ZIP code into our quote tool above to compare rates from the top providers.

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#1 – AAA: Best Overall

 

Pros

• Roadside assistance: AAA’s roadside assistance is highly rated. Learn more in our AAA auto insurance review. 
• Multiple perks: AAA members get AAA discounts outside of AAA auto insurance discounts, such as travel and shopping discounts.
• Affordable rates: AAA has the cheapest average rates for SSI recipients.

Cons

• Membership fees: To purchase AAA auto insurance, drivers must purchase an AAA membership.
• Coverage options can vary: Availability of auto insurance coverage can vary from branch to branch.

#2 – MetLife: Best for Online Experience

Pros

• Coverage options: MetLife has a good selection of auto insurance coverages for SSI recipients to choose from. Learn more in our MetLife auto insurance review.
• Multiple discounts: MetLife has several MetLife auto insurance discounts that SSI recipients can use to lower rates, like good driver discounts.
• Customer service reputation: MetLife has a decent customer service reputation for claims handling and more, and an easy-to-use online format for policy management.

Cons

• Limited availability: Metlife isn’t sold in a handful of states.
• Fewer local agents: MetLife may not have local agents in your area.

#3 – Safeco: Best for Diminishing Deductibles

Pros

• Diminishing deductible: Drivers who maintain a clean driving record will see their deductibles decrease at Safeco.
• Car accident forgiveness: Drivers who meet Safeco’s qualifications will be forgiven for their first at-fault accident at Safeco.
• Digital tools: Safeco’s app and website make it easy to manage policy details. Read more about Safeco in our Safeco auto insurance review.

Cons

• Fewer coverages: Safeco is missing a few add-on coverages like gap insurance.
• Mixed customer satisfaction reviews: Safeco had low customer satisfaction ratings from some customers.

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#4 – Erie Insurance: Best for Personalized Policies

Pros

• Rate-Lock option: Erie’s rate-lock option helps customers avoid rate increases, which can help SSI recipients keep rates low.
• Customer service ratings: Erie has good customer service reviews, which you can read more about in our Erie auto insurance review.
• Add-on coverages: Erie has a good selection of add-on coverages for customers, making it easy to personalize policies.

Cons

• Limited availability: Erie Insurance is only offered in a few states.
• Rates expensive for high-risk drivers: If you have bad credit or a bad driving record, Erie insurance may not have the cheapest rates.

#5 – 21st Century: Best For Policy Perks

Pros

• Online tools: 21st Century’s app and website make it easy for customers to manage their policies. Read more: 21st Century Auto Insurance Review 
• Numerous discounts: 21st Century offers multiple discounts, from good driver discounts to mature driver discounts, that can help SSI recipients save.
• Policy perks: 21st Century offers complimentary roadside assistance and equipment coverage for full coverage policies.

Cons

• Mixed customer service reviews: 21st Century has some negative reviews regarding its customer service.
• Limited availability: Currently, 21st Century auto insurance is only sold in the state of California.

#6 – The General: Best for High-Risk Coverage

Pros

• Great for high-risk drivers: The General accepts high-risk drivers who may not be able to get car insurance elsewhere.
• Multiple coverage options: The General offers liability-only car insurance for drivers who want the cheapest coverage possible, as well as add-ons like gap insurance.
• Good discounts: The General has good student discounts, bundling discounts, and more. Learn more: The General Auto Insurance Review

Cons

• Mixed customer reviews: The General has some negative reviews from customers.
• Limited availability: The General auto insurance isn’t available in a handful of states.

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#7 – Mercury Insurance: Best for Many Discounts

Pros

• Decent coverage options: Mercury Insurance has a good selection of auto insurance coverages to choose from, including rideshare insurance.
• Multiple discounts: Mercury has a good selection of discounts available (learn more in our Mercury auto insurance review).
• Easy policy management: Mercury’s online tools make policy management easy for customers.

Cons

• Limited availability: Mercury insurance is not available nationwide.
• Mixed customer reviews: Mercury Insurance has some negative customer service reviews.

#8 – Amica: Best for Dividend Payments

Pros

• Good customer reviews: Amica is highly rated by customers (learn more in our Amica auto insurance review).
• Loyalty discounts: Amica offers discounts to loyal customers who have stuck with the company for years.
• Dividend policies: Amica offers auto insurance dividend policies, where customers can earn up to 20% of their annual premium back.

Cons

• Rates can vary: Amica may not be the cheapest option for high-risk drivers.
• Limited availability: Amica auto insurance isn’t available in Hawaii.

SSI Auto Insurance Cost

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:

• Age: Age is a factor regarding auto insurance rates. Young drivers are more likely to get into accidents, and older drivers face age-related issues like decreased reaction time. Read more: Average Auto Insurance Rates by Age
  
• Claims history: If you’ve filed multiple claims, you’ll have higher insurance rates. 
• Credit score: Credit scores affect your auto insurance rates as well. Drivers with lower credit scores are more likely to file claims or miss payments. So, they’ll pay higher rates. However, California, Hawaii, Massachusetts, and Michigan insurance companies can’t use credit scores as a factor. Some states, however, ban companies from checking credit scores. Read more: Best Auto Insurance Companies That Don’t Check Credit
  
• Driving history: Traffic tickets, accidents, DUIs, and other similar charges will raise rates. Auto insurance companies check your driving record to determine rates.
• Gender: Auto insurance rates are different for men and women drivers. Men tend to pay higher rates than females, as statistics show men get into more accidents. However, insurers can’t consider gender in California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. Read more: Male vs. Female Auto Insurance Rates
  
• Marital status and homeownership: Being married and owning a home are signs of responsibility, so it’s assumed that married homeowners carry less risk. Homeowners can bundle multiple auto and homeowners policies, leading to major savings. 
• Level of education: Like marital status and homeownership, the assumption is that people with higher education levels are also more responsible. However, education level only minimally impacts rates.
• Vehicle model and make: When setting rates, insurance companies consider safety ratings, crash statistics, and the vehicle’s overall expense.
• ZIP code: Where you live impacts your rates based on weather, crime rates, living costs, and similar factors. The exception is California and Michigan, where using ZIP codes to calculate rates is prohibited.

The table below shows the cheapest auto insurance for SSI recipients in each state.

Cheapest Auto Insurance Providers by State

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. Below, you can see the cost of standard coverage policies at the cheapest companies. 

Carrying the minimum coverage in your state is the cheapest option, but keep in mind that financial protection is limited with minimum insurance policies.

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SSI Recipient Auto Insurance Discounts

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. at our top companies for SSI recipients include:

 Auto Insurance Discounts for SSI Recipients

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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. 

Other Ways to Save on SSI Auto Insurance 

While disabled car insurance doesn’t exist, you may be able to find car insurance disabled adults 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 in a multi-vehicle policy. 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, so a usage-based policy may be helpful for some SSI recipients.

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Lastly, there are a few options for government car insurance for low-income individuals that could benefit you based on your unique situation.

Government Assistance Programs for Auto Insurance for SSI Recipients

Certain states fund auto insurance programs that help provide affordable car insurance for SSI recipients:

• Maryland: The Maryland Automobile 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 Cheap Auto 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 by entering your ZIP code below to see which offers the best auto insurance for SSI recipients. You may be surprised at how cheap your auto insurance rates could be.

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Frequently Asked Questions

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.

Can SSI recipients get auto insurance?

Yes, SSI recipients can obtain auto insurance coverage like any other individual. Auto insurance companies provide coverage to a wide range of customers, including SSI recipients. However, it’s important to consider the affordability of insurance premiums based on individual financial circumstances.

Are there any special auto insurance programs or discounts available for SSI recipients?

Some states and organizations offer special auto insurance programs or discounts for low-income individuals, including SSI recipients. These programs may provide affordable coverage options or discounts based on specific eligibility criteria. It’s recommended to inquire with local government agencies or non-profit organizations to explore available options.

Can SSI income impact auto insurance rates?

SSI income itself does not directly impact auto insurance rates. Insurance companies primarily consider factors such as driving record, age, location, vehicle type, and coverage options when determining premiums. However, if SSI income affects overall financial circumstances, it may indirectly influence the affordability of auto insurance for some individuals.

Is it possible to find affordable auto insurance as an SSI recipient?

Affordable auto insurance options are available for individuals on SSI. It’s advisable to shop around and obtain quotes from multiple insurance providers to compare rates. Additionally, exploring special programs, discounts, and state-specific assistance options can help SSI recipients find affordable auto insurance that fits their budget.

Can SSI recipients qualify for state-sponsored auto insurance programs?

State-sponsored auto insurance programs vary by state and may have specific eligibility criteria. Some states offer programs designed to provide affordable auto insurance options to low-income individuals, including SSI recipients. These programs may have income thresholds or other requirements. It’s recommended to inquire with local insurance departments or agencies to learn about state-specific programs.

Should SSI recipients consider liability-only coverage to reduce costs?

Liability-only coverage may be an option for SSI recipients looking to reduce auto insurance costs. Liability coverage is typically the minimum required by law and covers damages or injuries to others in an accident where the insured is at fault. However, it’s important to carefully assess personal needs, potential risks, and financial circumstances before deciding on coverage opt.

Can SSI recipients qualify for discounts based on low mileage?

SSI recipients, like any other drivers, may qualify for low-mileage discounts offered by some insurance companies. If you don’t drive frequently or have a limited annual mileage, you may be eligible for a discount. It’s advisable to inquire with insurance providers and provide accurate information about your mileage to explore available discounts.

Can SSI recipients include additional drivers, such as family members, on their auto insurance policy?

SSI recipients can typically include additional drivers, such as family members, on their auto insurance policy. However, it’s important to inform your insurance provider about all drivers who will regularly use the insured vehicle to ensure proper coverage. Insurance rates may be affected by the driving records and characteristics of the additional drivers.

What is the best car insurance for disabled drivers?

The best car insurance for people on disability payments are companies like AAA, Safeco, and MetLife, as they have the most affordable rates.

Does being disabled affect car insurance?

Auto insurance companies can not deny people with disabilities car insurance or increase rates because of a disability. There also aren’t disability car insurance discounts for drivers with disabilities, but drivers with disabilities can still save with other discounts.

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Written by:

Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ach...

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Written by Schimri Yoyo

Licensed Agent & Financial Advisor

Reviewed by:

Chris Abrams

Licensed Insurance Agent

Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...

Full Bio →

Reviewed by Chris Abrams

Licensed Insurance Agent

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