Cheap Auto Insurance for Medicaid Recipients in 2024 (8 Most Affordable Companies)

The best cheap auto insurance for Medicaid recipients is offered by Auto-Owners, Erie, and State Farm. With rates starting as low as $27 per month, these companies provide affordable coverage tailored to meet the needs of Medicaid recipients.

Auto-Owners stands out as the top pick overall, offering competitive rates, auto insurance discounts, excellent customer service, and a range of coverage options. Whether you’re in California, New Jersey, or Hawaii, finding the right auto insurance coverage doesn’t have to break the bank.

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

Compare quotes now and get the coverage you need at a price you can afford. Start saving on your auto insurance by entering your ZIP code above and comparing quotes.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

#1 – Auto-Owners: Top Overall Pick

Pros

• Cheap Monthly Rates: Auto-Owners offers the lowest monthly rates among our top picks, making it an affordable option.
• Generous Safe Driver Discount: With a 20% safe driver discount, Auto-Owners rewards safe driving habits.
• Personalized Service: Auto-Owners auto insurance review is known for its exceptional customer service and personalized approach to insurance.

Cons

• Limited Availability: Auto-Owners operates in fewer states compared to some larger insurance providers.
• Online Presence: While Auto-Owners provides excellent personalized service, its online tools and mobile app may not be as robust as some competitors.

#2 – Erie: Best for High Satisfaction

Pros

• Affordable Rates: Erie offers competitive monthly rates, making it an attractive option for budget-conscious consumers.
• Generous Safe Driver Discount: With a 20% safe driver discount, Erie rewards safe driving habits.
• High Customer Satisfaction: Erie auto insurance review is known for its excellent customer service and high customer satisfaction ratings.

Cons

• Limited Availability: Erie operates in a limited number of states, which may restrict its accessibility for some customers.
• Limited Discounts: While Erie offers a safe driver discount, its range of other discounts may be more limited compared to some competitors.

#3 – State Farm: Best for Reliable Service

Pros

• Wide Coverage Options: State Farm auto insurance review highlight offering a wide range of coverage options to meet various insurance needs.
• Safe Driver Discount: State Farm offers a 15% safe driver discount, helping customers save on their premiums.
• Reliable Customer Service: State Farm is known for its reliable customer service and ease of claims processing.

Cons

• Limited Multi-Policy Discount: State Farm’s multi-policy discount may not be as substantial as some competitors.
• Premium Costs: Despite discounts, State Farm’s premiums may still be relatively higher for certain coverage levels.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

#4 – American National: Best for Regional Coverage

Pros

• Competitive Rates: American National offers competitive monthly rates, making it an affordable option.
• Generous Safe Driver Discount: With a 25% good driver discount, American National rewards safe driving habits.
• Regional Coverage: American National provides coverage in specific regions, making it an excellent choice for local customers.

Cons

• Limited Availability: American National operates in a limited number of states, which may restrict its accessibility for some customers.
• Limited Online Tools: While American National provides personalized service, its online tools and mobile app may not be as robust as some competitors.

#5 – Geico: Best for Budget-Friendly Options

Pros

• Affordable Rates: Geico offers budget-friendly monthly rates, making it an attractive option for cost-conscious consumers.
• Generous Safe Driver Discount: With a 26% safe driver discount, Geico rewards safe driving habits.
• Online Tools and Mobile App: Geico auto insurance review boast on its user-friendly website and mobile app, making it easy for customers to manage their policies.

Cons

• Limited Personalized Service: Geico is known for its online and phone-based customer service, which may not be as personalized as some competitors.
• Limited Coverage Options: While Geico offers standard coverage options, it may not have as many additional coverage options as some competitors.

#6 – Travelers: Best for Tech-Savvy Drivers

Pros

• Competitive Rates: Travelers offers competitive monthly rates, making it an affordable option.
• Tech-Savvy Tools: Travelers provides innovative online tools and a mobile app, making it easy for tech-savvy drivers to manage their policies.
• Safe Driver Discount: Travelers auto insurance review reveal offering a 23% safe driver discount, helping customers save on their premiums.

Cons

• Limited Availability: Travelers operates in fewer states compared to some larger insurance providers.
• Limited Personalized Service: While Travelers offers excellent online tools, its personalized service may not be as strong as some competitors.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

#7 – Farm Bureau: Best for Community Focused Service

Pros

• Community Involvement: Farm Bureau is deeply involved in the communities it serves, making it an excellent choice for customers who value community support.
• Affordable Rates: Farm Bureau offers affordable auto insurance rates, making it an attractive option for budget-conscious consumers.
• Safe Driver Discount: With a 15% safe driver discount, Farm Bureau rewards safe driving habits.

Cons

• Limited Availability: Farm Bureau operates primarily in rural areas, which may restrict its accessibility for some customers.
• Limited Online Tools: While Farm Bureau provides excellent personalized service, its online tools and mobile app may not be as robust as some competitors.

#8 – Progressive: Best for Flexible Policies

Pros

• Flexible Coverage Options: Progressive offers a wide range of coverage options, allowing customers to tailor their policies to their specific needs.
• Generous Safe Driver Discount: With a 20% safe driver discount, Progressive rewards safe driving habits.
• Name Your Price Tool: Progressive’s Name Your Price Tool allows customers to customize their coverage to fit their budget.

Cons

• Higher Premiums: While Progressive offers flexible policies, its premiums may be higher compared to some competitors.
• Limited Personalized Service: Progressive auto insurance review reveal that it is known for its online and phone-based customer service, which may not be as personalized as some competitors.

Understanding Auto Insurance for Medicaid Recipients by Coverage Level

Auto insurance is essential for Medicaid recipients, and understanding rates from different providers is crucial. There’s significant variation in monthly premiums for both minimum and full coverage plans. Factors like insurer policies, risk assessment models, and location contribute to these differences.

Auto Insurance for Medicaid Recipients: Monthly Rates by Coverage Level & Provider

While Auto-Owners offers the lowest rates for minimum coverage, Progressive tops the list for full coverage. Recipients need to balance affordability with comprehensive coverage. The disparity in rates emphasizes the need for research and comparison shopping. Recipients must consider affordability, coverage extent, and insurer reputation.

Opting for minimum coverage may seem cost-effective but could lead to financial strain in accidents. Conversely, full coverage provides comprehensive protection but comes at higher premiums. By assessing their situation, recipients can make informed decisions about coverage. Regular reassessment of insurance needs is crucial, as circumstances change.

Exploring discounts and bundling options can help lower premiums without sacrificing coverage.

Ultimately, auto insurance is a vital financial safety net for Medicaid recipients, protecting assets and well-being on the road. Understanding premium factors and comparing rates ensures adequate protection at an affordable price.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Deciphering Medicaid Car Insurance

Is Medicaid auto insurance an option? Does Medicaid sell auto insurance? What is Medicaid dollar-a-day insurance? Read the next few sections to find out everything you need to know about Medicaid auto insurance options and whether you qualify.

Medicaid auto insurance doesn’t technically exist, but if you have Medicaid, it may help cover your medical costs if you’re in an accident. However, because it is a form of health insurance, not auto insurance, this coverage will not extend to anyone else in your vehicle, nor will it pay for any repairs on your vehicle.

According to the Medicaid website, Medicaid requires certain mandatory benefits to be provided, with optional benefits by state. But does having Medicaid qualify you for any type of auto insurance benefits? Depending on your state, you might be in luck.

Medicaid often doesn’t cover car accident injuries, so separate auto insurance is needed. Check the government Medicaid website or call (877) 267-2323 for state-specific auto insurance assistance and requirements.

Check out more details and compare “Auto Insurance Quotes by State“.

That’s required just about everywhere. You don’t normally have to have full coverage car insurance unless the lender you financed your vehicle from requires it.

You may need medical payment coverage on your auto insurance, but that is up to your state. Take a look at this table for a full list of the minimum insurance requirements by state, including those states that require MedPay coverage.

Auto Insurance Minimum Coverage Requirements by State

To better understand this table, we’ve summarized the acronyms and abbreviations here.

Liability Auto Insurance Minimum Coverage Abbreviations

For example, if your state requires 15/30 auto insurance, you’ll need $15,000 to cover bodily injury for one person and $30,000 for all persons in one accident.

State-Sponsored Low-Income Auto Insurance Programs

While you already know that Medicaid auto insurance isn’t an option, in some states, your Medicaid will qualify you for public auto insurance. In January 2020, nearly 64 million individuals were enrolled in Medicaid. If your Medicaid policy does not cover automobile accident injuries, a good auto insurance policy will.

Unfortunately, many drivers throughout the country remain uninsured because they simply cannot afford it. Many states have set up low-cost car insurance programs for low income families (separate from Medicaid) and for those who qualify for it. Read through the next few sections to learn more about these programs.

California: Understanding Low-Cost Automobile Insurance Program

California, for example, has set up the California Low-Cost Automobile Insurance (CLCA) Program, which helps them to obtain affordable car insurance for low income families.

Unlike some of the other state-sponsored insurance programs, CLCA enables qualified drivers to purchase coverage that meets at least the minimum coverage required by the state, along with some optional coverages like uninsured motorist coverage.

Hawaii: How State-Sponsored Auto Insurance Functions

According to the Hawaii Government website, the state offers help on car insurance through Medicaid to the Aged, Blind, and Disabled (AABD) program with supplemental security income (SSI) insurance.

Individuals over the age of 65 and those who are blind or otherwise disabled may qualify for car insurance for SSI recipients offered by the state. You can reach out to your local government offices for qualification.

Check out our “Disabled Driver Auto Insurance Discount: Save on Auto Insurance” for more information.

Maryland: Unique Offering on Private Auto Insurance Option

Maryland has a private insurance option, known as Maryland Auto Insurance (formerly MAIF), which is not in any way government-sponsored, that provides specialty coverage. This provides auto liability insurance to residents of Maryland who aren’t able to get insurance the normal way.

Maryland drivers get at least 30/60/15 coverage, which breaks down to $30,000 in personal bodily liability per person, $60,000 in personal bodily liability per accident, and $15,000 in property damage liability. They also offer some limited optional coverage, including comprehensive and collision coverage. For information on Medicaid car insurance in New Jersey and other policies, read on.

New Jersey: Understanding Dollar-a-Day Auto Insurance Coverage

The Special Auto Insurance Policy (SAIP) for Medicaid car insurance NJ,  allows drivers who are eligible for Medicaid and welfare to obtain auto insurance cheaply, but it’s medical-only liability coverage.
What are the requirements for this low-income dollar-a-day car insurance in NJ under SAIP? If you’re on Medicaid, you stand a good chance.

It’s best to contact your local government agency to see what the requirements are. You will have to provide your driver’s licenses and Medicaid cards for all drivers. It’s also important to note that if your driver’s license has been suspended or revoked, you won’t be eligible for coverage.

Gain more knowledge on our “Cheap New Jersey Auto Insurance“.

Whether you’re looking for dollar-a-day car insurance in East Orange, NJ or Newark, NJ, the SAIP policy may be able to help.

Understanding the Costs of New Jersey SAIP Auto Insurance

New Jersey SAIP insurance costs $365 per year, which works out to a dollar per day. You can pay in a single, annual payment, in which case you’ll save an additional $5, or you can pay half at the beginning of your policy term and the other half six months in.

This policy covers medical expenses from auto accidents, focusing on emergencies, critical brain and spinal injuries, and death benefits. Exclusions include property damage, bodily injury of others, and non-brain or spinal medical issues. It is not to be confused with liability insurance coverage, collision coverage, comprehensive coverage, or any other auto insurance coverage type.

Hacks for Low-Income Families to Secure Affordable Auto Insurance

What if you don’t qualify for low-income coverage options available in some states? There are some ways to lower your auto insurance rates to make them more affordable for your budget.

For example, you could take a defensive driving class, ask for a higher auto insurance deductible, ask your insurance agent about any money-saving options, and more.
Read on for more information on ways to save money. This is not a complete list, but in the next few sections, we’ve covered some ways to save on your insurance.

How to Find Discounts for Medicaid Car Insurance

Apart from government programs, there are many auto insurance discounts available through insurance providers. Here are some discounts provided by the major auto insurers in the country.

Auto Insurance Discounts Available by Provider

A lot of times, it just comes down to shopping around and doing your research. Inquire about any auto insurance discounts or special programs that are available. Often times, the insurance will be much cheaper than you expected.

Exploring the Benefits of Shopping Around for Auto Insurance

Shopping for insurance and comparing rates can have a significant effect on your auto insurance rates. We recommend getting quotes from at least three auto insurance companies so you can compare and find the best coverage at a rate you can afford.

Habits to Consider for Safer Driving

Reducing how much time you spend driving can mean getting a low-mileage discount. A proven track record for lower mileage can mean a readjustment in your rates because the less time you spend on the road, the lower risk you are to insure.

In addition, with low mileage, you may qualify for discounts based on your driving habits, which can further lower your rates. It is important to never let your auto insurance lapse. Getting stopped without insurance can result in high fines. Not to mention it is very dangerous to be driving without auto insurance.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

How to Choose the Right Auto Insurance Coverage

How to get car insurance with Medicaid? As we noted earlier, every state in the country (except for Virginia and New Hampshire) requires a minimum amount of car insurance coverage, which varies by state.

This includes liability, collision, comprehensive, medical payments, personal injury protection, and uninsured/underinsured motorist coverage. While there’s no direct match between standard auto insurance and Medicaid auto insurance, Medpay is a close comparison. Yet, Medpay covers both you and passengers, unlike Medicaid, which covers only you.

Medicaid Car Insurance: The Bottom Line

Medicaid-enabled low-income auto insurance is only available for qualified Medicaid recipients and, in many cases, coverage is extremely limited. However, if you qualify, it may be worth considering if it makes the most financial sense.

California, New Jersey, and Hawaii are the only states that offer government-subsidized or government-aided auto insurance, but if you don’t live in one of those states or you don’t qualify, there are other ways you can lower your insurance rates. Shopping around, applying for discounts, and driving as little as possible are just a few to make your coverage as affordable as possible.

If you don’t qualify for state-sponsored or Medicaid auto insurance (and even if you do), take a few minutes to compare auto insurance quotes to see how affordable your rates can be. Find the best auto insurance company near you by entering your ZIP code into our free quote tool below.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption