car insurance is legally required for most drivers, but it comes at a cost not everyone can afford. The average consumer pays about $841 per year for auto insurance, according to the National Association of Insurance Commissioners.
Whether due to high car insurance rates or other reasons, roughly 1 out of 8 motorists nationwide chooses to drive uninsured, according to the NAIC. However, these drivers risk fines if caught and would be personally responsible for injuries and vehicle repair costs if they should cause an accident.
While alternative options for low-income drivers are slim, a few states offer government-sponsored car insurance programs to help prevent people from hitting the road uninsured. These programs typically offer limited car insurance coverage at greatly discounted rates, so qualifying motorists can drive legally.
States that offer low-income auto insurance
CALIFORNIA
Through the California Low-Cost Auto Insurance program, Golden State residents can buy the minimum liability insurance needed to drive legally. Two optional coverages are also available: uninsured motorist bodily injury protection and medical payments coverage. Policies obtained through the program won’t cover damage to your own car, something that falls under collision coverage in other policies.
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