Dollar-a-Day Auto Insurance in New Jersey (2024)
Dollar-a-Day auto insurance in New Jersey offers affordable government coverage to residents who meet specific requirements. It generally costs $365 per year, which is where it gets its nickname. While NJ Dollar-a-Day coverage doesn't meet state minimum requirements, it allows policyholders to drive legally.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Apr 5, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 5, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Dollar-a-Day auto insurance in New Jersey costs $365/yr
- While it covers some medical bills, it doesn’t meet minimum NJ liability requirements
- To qualify, you must be uninsured with Medicaid and carry a license and registration
Dollar-a-Day auto insurance in New Jersey, also known as NJ $1-a-day car insurance, offers cheap New Jersey auto insurance coverage for $365 per year. You must be uninsured, carry Medicaid, and have a valid license and registration in good standing to get NJ Dollar-a-Day car insurance through the New Jersey Special Automobile Insurance Policy (SAIP).
However, the policy doesn’t meet the state’s minimum coverage requirements. Below, we’ll explain more about New Jersey Dollar-a-Day insurance, including what it covers and how to get it.
Need more NJ insurance to supplement your Dollar-a-Day car insurance? Use our free quote comparison tool above to instantly compare cheap auto insurance from top providers in New Jersey.
Dollar-a-Day Auto Insurance: Cheap NJ SAIP Coverage
NJ Dollar a Day insurance, also known as the New Jersey Special Automobile Insurance Policy (SAIP), is a government auto insurance plan that offers affordable auto insurance to qualified drivers.
The program got its nickname “Dollar a Day insurance” or “$1 a Day insurance” because it generally costs $365 per year.
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What Dollar Car Insurance in New Jersey Covers
While those who qualify for Dollar-a-Day insurance are legally allowed to drive with the coverage, the policy does not actually meet New Jersey’s minimum requirements for insurance.
Some of the services offered by Dollar a Day insurance include up to $250,000 in emergency medical care for the policyholder immediately after an accident, and care for brain or spinal cord injuries. 1 dollar a day insurance also offers a $10,000 death benefit if you were to die during a collision, but it doesn’t offer liability insurance coverage.
What Dollar a Day Insurance in New Jersey Doesn’t Cover
Because of the limited New Jersey $1/Day insurance coverage, you would be responsible for paying ongoing medical treatments that don’t pertain to your brain or spinal cord, injuries to other parties, damage to others’ property, and damage to your own property.
However, many individuals who qualify for $1 a Day insurance in NJ would not be able to afford these, so it may be better just to seek out a more expensive, but less limited policy. There are other ways to save money on car insurance for low-income individuals.
Read on to learn how to get Dollar-a-Day insurance in NJ and see who can qualify for dollar-a-day insurance.
How to Get Dollar a Day Auto Insurance in NJ
What are the Dollar a Day insurance NJ requirements?
In order to qualify for Dollar auto insurance in New Jersey, you must:
- Be uninsured
- Be enrolled in Medicaid (along with other drivers in your household) that includes hospitalization coverage
- Have a driver’s license and registration that are in good standing
You can buy $1/Day car insurance in NJ through the National Continental Insurance Company or speak to a Personal Auto Insurance Plan (PAIP) producer.
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More About $1 a Day Car Insurance for Medicaid Recipients
Looking for Medicaid car insurance in New Jersey? NJ’s one dollar a day car insurance offers cheap coverage to Medicaid recipients without car insurance. Dollar/day insurance in NJ typically costs $365 per year, which is where it gets its name.
It will generally only cover your emergency medical bills immediately after an accident, ongoing treatment for brain or spinal cord injuries, and a $10,000 death benefit if you die during a collision.
To get one Dollar a Day car insurance in NJ, you must be uninsured, have Medicaid, and have a license and registration that is in good standing.
Looking for a Dollar a Day insurance policy? Enter your ZIP code into our free quote tool below to instantly secure supplemental coverage for your Dollar a Day insurance in New Jersey.
Frequently Asked Questions
What is a dollar a day car insurance policy in NJ?
Dollar/Day insurance in New Jersey is a specialized auto insurance program that provides limited coverage at a low cost to eligible low-income individuals who meet specific criteria. It is designed to help individuals who may have difficulty affording standard auto insurance policies.
Are you wondering, “How do I get $1 a Day car insurance near me?” Enter your ZIP code into our free quote tool below to get rates for NJ insurance from the top providers.
Which states offer Dollar-a-Day Auto Insurance?
Dollar/Day car insurance is currently available in the state of New Jersey. It is not available in other states at the time of this response.
Who is eligible for Dollar-a-Day Auto Insurance?
Eligibility requirements for Dollar-a-Day Auto Insurance vary by state and program. To be eligible for a dollar a day car insurance in NJ, individuals must meet specific criteria related to income, Medicaid eligibility, and participation in certain assistance programs such as Temporary Assistance for Needy Families (TANF) or the General Assistance (GA) program.
What coverage does Dollar a Day car insurance in NJ offer?
A Dollar a Day insurance in NJ provides limited coverage for specific circumstances. In New Jersey, the coverage includes medical expense benefits for emergency treatment following an accident, as well as coverage for some funeral expenses. It does not provide liability coverage or coverage for damages to your own vehicle.
How much does NJ Dollar/Day insurance cost?
$1 a Day car insurance in NJ is designed to be affordable for eligible individuals. In New Jersey, it costs $365 per year, which is where the program gets its name. However, it’s important to note that additional fees and surcharges may apply, making the actual cost slightly higher.
Can I upgrade my Dollar a Day insurance in New Jersey to a full coverage policy?
No, Dollar a Day car insurance in New Jersey is a specialized program that provides limited coverage and is not upgradable to a full coverage policy. If you require more comprehensive coverage, you would need to explore other auto insurance options available in your state.
Can I get Dollar a Day insurance in Newark, NJ?
Yes, even if you live in a populated city, you can still get $1 a Day car insurance in Newark, NJ.
Looking to supplement your Dollar/Day insurance in Newark, NJ? Enter your ZIP code into our free quote comparison tool below.
Can I get Dollar a Day insurance in NY?
Unfortunately, you can’t get this coverage in New York.
If you’re wondering, “Can I get Dollar a Day insurance near me?” the answer is yes if you live in New Jersey.
Can I get Dollar a Day insurance in PA?
No, since the Dollar a Day insurance program is specific to New Jersey.
What is the Dollar a Day insurance phone number?
For questions about Dollar a Day insurance, also known as Medicaid car insurance, you can call New Jersey’s Personal Automobile Insurance Plan office at 1-800-652-2471.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.