How to Get Help Paying for Car Insurance

Finding out how to get help paying for car insurance bills can be challenging, but there are ways to lower rates. California, New Jersey, and Hawaii offer government assistance for low-income families that need help paying for car insurance. In other states, drivers can get discounts for being a good student, safe driver, or for multi-vehicle coverage, to name a few. Safe driver discounts alone can save you up to 45% off your rates, which will help you pay for car insurance.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Dec 10, 2020

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Summary Stats
Summary StatsDetails Source
Minimum Coverage Required to Drive in Most StatesBodily Injury and Property Damage Liability Insurance Information Institute
States that Offer Government Assistance Programs to help Qualified Applicants Pay Auto Insurance CostsCalifornia, New Jersey, and Hawaii California Department of Insurance, Hawaii Department of Human Services, New Jersey Department of Banking and Insurance
Best Ways to Lower Insurance RatesLooking for discounts, getting a higher deductible, and shopping around for the best ratesInsurance Information Institute
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What can you do when you can’t afford car insurance?  Can you get help paying for car insurance? If you find yourself saying, “I need help paying my car insurance bills,” you should take comfort in the fact that there are multiple ways to reduce your car insurance bill to make it more affordable.

There typically aren’t any programs in place for help paying car insurance coverage deductible or bills. Insurance companies are limited in the payment assistance they offer beyond the usual payment plans that allow you to pay your premium monthly. However, there are steps you can take to find cheap car insurance.

Read this article to learn about how you can make your car insurance payments more affordable if you need help paying car insurance bills.

Get started by finding car insurance quotes. You can enter your ZIP code above for free car insurance quotes that can help you with paying for car insurance.

If you need help with car insurance problems, read our guide — and don’t forget to check out the FAQs at the end.

Car Insurance Payment Assistance

If you’re thinking, I need help with paying my car insurance, you’ve come to the right place. While help with car insurance payments is not typically available (unless you live in California, New Jersey, or Hawaii), there are things you can do to lower your rates so they’re more affordable.

Keep reading to learn more about how do you reduce the cost of your car insurance.

One way to find affordable car insurance rates is to comparison shop.  You can compare great low-income car insurance rates now by entering your ZIP code.

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Can I get financial assistance for car insurance?

In general, the answer to this question is no. If you’re looking for places that help pay car insurance bills, you may be able to find a local nonprofit or aid organization that temporarily helps cover payments under specific circumstances, but this is not common unless there are programs for government car insurance for low-income families.

If you live in New Jersey, California, or Hawaii, there are some limited government programs that may be available to help with car insurance payments, though these low income car insurance programs come with qualifications and very limited coverage options.

The California Department of Insurance offers qualified drivers the ability to purchase minimum liability coverage that meets state requirements at a subsidized price.

Hawaii’s financial and SNAP benefits program allows qualified drivers to obtain no-fault insurance for free, while the State of New Jersey offers  Special Automobile Insurance Policy (SAIP), which offers qualified drivers the option to purchase emergency accident coverage for $1 per day (or $365 per year).

If you don’t live in one of these states, or simply don’t qualify for one of these programs, there are other things you can do to lower your rates if you need help paying car insurance bills. Keep reading to find out more if you need money to pay car insurance bills.

Are there discounts to help lower my rates?

Do you need help with car insurance during COVID? Finding discounts can give you help paying for auto insurance.

Practically every car insurance provider offers car insurance discounts or preferred rates for a variety of reasons. If you already have a policy in place, make sure you immediately contact your insurer and ask if you have the maximum number of discounts for which you qualify.

If not, find out the types of discounts they offer and make sure you become eligible for as many as possible. Quite often, a simple act like joining your local PTA for an annual $5 fee can save you 5 to 10 percent on your annual insurance rates.

If you are in the market for car insurance, it pays to be aware that each insurer offers different discounts. Take a look at this table to see what we mean.

Car Insurance Companies Offering Discounts
Car Insurance Companies Offering Discounts21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGeicoLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe GeneralThe HanoverThe HartfordTravelersUSAA
Adaptive Cruise ControlNoNoNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNoNoNo
Adaptive HeadlightsNoNoNoNoNoYesYesNoYesNoYesYesYesYesNoNoNoNoNoYesNoNo
Anti-lock BrakesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Anti-TheftYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Daytime Running LightsYesYesYesYesYesNoYesYesYesYesYesYesYesYesYesNoNoNoYesYesYesYes
Electronic Stability ControlNoNoYesYesNoYesYesNoYesNoYesYesYesYesNoNoNoNoNoNoNoNo
Utility VehicleNoNoYesNoNoNoNoNoYesYesNoNoNoNoNoNoNoNoNoYesNoNo
Vehicle RecoveryYesYesYesYesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
VIN EtchingNoNoNoNoNoNoNoYesYesNoYesYesYesYesYesYesNoNoNoNoYesYes
Lane Departure WarningNoNoNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNoNoNoNo
Newer VehicleYesYesYesNoNoNoYesYesYesYesNoYesYesYesYesYesYesNoNoYesYesYes
Green VehicleYesNoYesNoNoNoNoYesYesNoYesNoNoNoNoNoNoYesYes
Forward Collision WarningNoNoNoNoNoYesYesNoNoNoYesYesYesYesNoNoNoNoNoYesNoNo
Claim FreeYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Continuous CoverageYesYesYesYesNoYesYesYesYesYesNoNoNoYesYesYesNoNoYesYesYesNo
Defensive DriverYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Distant StudentNoYesYesYesYesYesNoNoYesYesNoNoYesYesNoYesYesYesYesYesYes
Driver's EdYesYesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Driving Device/AppNoYesYesYesNoNoNoYesYesYesYesYesYesNoYesYesNoNoYesYesYes
Early SigningYesNoYesYesNoNoYesYesYesYesNoYesYesYesNoYesNoNoNoYesYesYes
Emergency DeploymentNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNo
Engaged CoupleNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Family LegacyNoNoNoYesNoYesNoNoNoYesNoYesNoYesNoNoNoNoNoNoNoYes
Family PlanNoNoNoYesNoNoYesNoYesNoNoNoYesNoNoNoNoNoNoYesNoNo
Farm VehicleNoNoYesNoNoNoNoNoYesYesNoNoNoNoNoNoNoNoNoYesNoNo
Fast 5NoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNo
Federal EmployeeNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNoNoNoNoNoNo
Full PaymentNoYesYesYesYesYesYesYesYesYesYesNoNoYesYesYesYesYesYesYesNo
Further EducationNoNoNoNoYesNoYesYesNoYesYesNoYesNoNoYesNoNoYesNoYesNo
Garaging/StoringNoNoNoNoYesYesNoNoYesNoNoNoNoNoNoNoNoNoNoYesYesYes
Good CreditNoNoNoNoNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNo
Good StudentYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
HomeownerYesYesNoNoNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesNo
Life InsuranceNoNoYesNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNo
Low MileageNoYesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
LoyaltyNoNoNoYesYesYesYesNoNoYesNoYesYesYesNoYesNoYesNoYesNoYes
MarriedNoYesNoNoNoYesYesYesNoNoYesYesYesYesYesYesYesYesNoYesNoYes
Membership/GroupNoYesNoNoYesNoNoYesNoYesYesYesYesNoNoYesNoNoYesYesYesNo
MilitaryNoNoYesNoNoNoNoYesYesYesYesYesNoNoYesYesYesYesNoNoNoYes
Military GaragingNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoYes
Multiple DriversNoNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoYesNoNo
Multiple PoliciesYesYesYesYesYesYesYesYesYesYesYesYesYesYesNoYesYesYesYesYesYesYes
Multiple VehiclesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
New AddressNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
New Customer/New PlanNoNoNoNoNoNoNoNoNoYesYesNoNoYesNoNoNoNoNoNoNo
New GraduateNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
Newly LicensedNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
NewlywedsNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
Non-Smoker/Non-DrinkerYesNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Occasional OperatorNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoYes
OccupationNoNoYesNoNoNoYesYesYesYesYesYesYesNoNoYesYesYesYesNo
On Time PaymentsNoNoYesNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoYesYesNo
Online ShopperNoNoNoNoNoNoNoYesNoNoNoNoNoYesNoNoNoNoNoNoNoNo
Paperless DocumentsNoNoYesYesNoYesNoNoYesNoNoYesYesYesNoNoNoNoNoYesNoNo
Paperless/Auto BillingNoNoYesYesNoYesNoYesYesNoYesYesYesYesYesYesYesYesYesYesYesYes
Passive RestraintYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Recent RetireesNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoYesNoNo
RenterNoNoNoNoNoYesNoYesNoNoNoYesNoNoNoNoNoNoNoNoNoNo
Roadside AssistanceNoNoNoNoYesNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Safe DriverYesYesYesYesYesYesNoYesYesYesNoYesYesYesYesYesYesYesNoYesYesYes
Seat Belt UseNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNo
Senior DriverYesNoYesNoNoNoNoYesYesNoNoYesNoNoNoNoNoYesYesYesNoYes
Stable ResidenceNoNoNoNoNoNoNoNoNoNoNoNoYesYesYesNoNoNoYesNoNo
Students & AlumniNoNoNoYesNoNoNoYesNoYesYesYesYesNoNoNoNoNoNoNoNoNo
Switching ProviderYesNoNoYesNoYesNoYesYesYesYesNoYesYesNoNoYesYesNoNoNo
VolunteerNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Young DriverYesNoNoNoNoNoYesNoNoNoYesNoNoYesNoYesNoNoNoNoNoYes
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As you can see there are a number of available discounts offered by the major insurers across the country. The amount of a particular discount also varies by company (and sometimes by state). For example, Allstate offers a 45 percent safe driver discount, while if you’re insured by Safe Auto, the safe driver discount is 10 percent.

As another example, if you’re insured by Esurance, you may qualify for a 25 percent discount if you use a driving device or app, but only if you live in Colorado, Missouri, Ohio, or Utah.

This often accounts for price differences you’ll find from one insurer to another. Therefore, you’ll need to get a variety of quotes from different insurers in order to see the true difference made by those various discounts (and other factors that can affect your rates).

You’ll also need to speak with licensed insurance agents to find out exactly which discounts are available where you live.

Ready to buy low-income car insurance? Enter your ZIP code now to compare low-income car insurance quotes from great low-income car insurance companies.

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Can I make changes to my policy to lower my rates?

Getting help paying for car insurance can also come in the form of policy changes. In order to keep your car insurance costs low enough to be affordable in your budget, you will probably need to make some changes to your policy.

This is an easy way to get significant breaks on your rates. However, you must be ready to face the consequences of such decisions if you need to make a claim, as you will often have more out-of-pocket expenses.

  • Remove unnecessary coverage from your policy – You may have a full coverage policy and be paying for things such as towing and labor coverage, rental reimbursement, and more. By cutting out these extras you will get a small reduction in your rates.
  • Remove collision and comprehensive coverage – If you have an older vehicle that is no longer financed and has a lower value, this can be a good option. There comes a certain point in the life of a car when it makes more sense to not pay the extra for these types of coverage because what you will get after the deductible is paid is not significant enough to really matter.
  • Raise your deductible – If your car still has a decent value or it is financed and the lender requires full coverage, you can still save on the cost of your car insurance policy by raising your deductible. Higher deductibles will result in lower premiums. Just be sure you can afford the deductible if you were to have an accident.
  • Carry minimum coverage only – Another policy change you can make, but is not advised, is to carry only the minimum amount of coverage required by the state in which you live.

Most full coverage policies are written with liability coverage in the amounts of $100,000 bodily injury coverage per person, $300,000 bodily injury coverage in total per accident and $100,000 property damage coverage.

Mandatory coverage limits are much lower and therefore much less expensive. This is the last resort to save on your policy in order to avoid further fines and problems by not carrying insurance at all.

However, remember that such minimums often prove to be insufficient in the case of serious accidents.

Should I shop for lower car insurance rates?

For anyone struggling to pay for car insurance, the number one solution is to shop around for the best price possible on the coverage you want to carry.

If the prices you find still do not fit in your budget, shop around again for the best price possible on the minimum coverage you can get away with after increasing deductibles, removing unnecessary coverage and when all else fails, reducing your coverage to state limits.

To make shopping around quick and easy, opt to use a free online quote tool that does the work for you like the one on this page.

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Bottom Line: How to Get Help Paying for Car Insurance

Do you need help paying car insurance deductible? Asking, I need help paying my car insurance; what do I do? There are a few things to keep in mind when answering this question.

  • Insurance companies don’t offer payment assistance, but there are ways to find lower rates
  • There are many discounts you should ask about to see if they apply to you or could apply to you, including:
    • Good driver
    • Good student
    • Member of certain groups
    • Low mileage
    • All drivers over a certain age
    • Multi-line coverage
    • Multiple vehicle coverage
    • Completion of a driver training course
    • Being claims free
    • Opting for automated debit payments
  • Raising your deductible is a good way to lower your monthly premium
  • If you live in California, Hawaii, or New Jersey, you can speak with a licensed insurance agent to find out if you qualify for the government assistance programs available in those states

You should also shop around to find the best rates. Obtaining at least three different quotes can help ensure you’re getting the lowest rates you qualify for, based on your needs and personal circumstances.

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Frequently Asked Questions: How to Get Help Paying for Car Insurance

Still have questions about help paying your car insurance bill or other insurance costs? Read these frequently asked questions to learn more.

#1 – Who has the cheapest car insurance?

What company is the cheapest for car insurance? In general, USAA offers the best rates for car insurance coverage. However, since USAA is specifically available for military members and their families, not everyone can purchase a policy through them.

The next cheapest car insurance is typically Geico or State Farm. Take a look at this table to find average rates for USAA, Geico, and State Farm in your state.

Average Annual Car Insurance Rates for USAA, Geico, and State Farm
Average Annual Car Insurance Rates for USAA, Geico, and State FarmAverage by StateAnnual Average USAA RatesAnnual Average Geico RatesAnnual Average State Farm Rates
Alaska$3,421.51$2,454.21$2,879.96$2,228.12
Alabama$3,566.96$2,124.09$2,866.60$4,798.15
Arkansas$4,124.98$2,171.06$3,484.63$2,789.03
Arizona$3,770.97$3,084.29$2,264.71$4,756.25
California$3,688.93$2,693.87$2,885.65$4,202.28
Colorado$3,876.39$3,338.87$3,091.69$3,270.77
Connecticut$4,618.92$3,190.00$3,073.66$2,976.24
District of Columbia$4,439.24$2,580.44$3,692.81$4,074.05
Delaware$5,986.32$2,325.98$3,727.29$4,466.85
Florida$4,680.46$2,850.41$3,783.63$3,397.67
Georgia$4,966.83$3,157.46$2,977.20$3,384.88
Hawaii$2,555.64$1,189.35$3,358.86$1,040.28
Iowa$2,981.28$1,852.57$2,296.16$2,224.51
Idaho$2,979.09$1,877.61$2,770.68$1,867.96
Illinois$3,305.48$2,770.21$2,779.16$2,344.88
Indiana$3,414.97$1,630.86$2,261.07$2,408.94
Kansas$3,279.62$2,382.61$3,220.65$2,720.00
Kentucky$5,195.40$2,897.89$4,633.59$3,354.32
Louisiana$5,711.34$4,353.12$6,154.60$4,579.12
Maine$2,953.28$1,930.79$2,823.05$2,198.68
Maryland$4,582.70$2,744.14$3,832.63$3,960.87
Massachusetts$2,678.85$1,458.99$1,510.17$1,361.86
Michigan$10,498.64$3,620.00$6,430.11$12,565.52
Minnesota$4,403.25$2,861.60$3,498.54$2,066.99
Missouri$3,328.93$2,525.78$2,885.33$2,692.91
Mississippi$3,664.57$2,056.13$4,087.21$2,980.48
Montana$3,220.84$2,031.89$3,602.35$2,417.74
North Carolina$3,393.11Data Not Available$2,936.69$3,078.65
North Dakota$4,165.84$2,006.80$2,668.24$2,560.53
Nebraska$3,283.68$2,330.78$3,837.49$2,438.71
New Hampshire$3,151.77$1,906.96$1,615.02$2,185.46
New Jersey$5,515.21Data Not Available$2,754.94$7,527.16
New Mexico$3,463.64$2,296.77$4,458.30$2,340.66
Nevada$4,861.70$3,069.07$3,662.09$5,796.34
New York$4,289.88$3,761.69$2,428.24$4,484.58
Ohio$2,709.71$1,478.46$1,867.19$2,507.88
Oklahoma$4,142.33$3,174.15$3,437.34$2,816.80
Oregon$3,467.77$2,587.15$3,220.12$2,731.48
Pennsylvania$4,034.50$1,793.37$2,605.22$2,744.23
Rhode Island$5,003.36$4,323.98$5,602.63$2,406.51
South Carolina$3,781.14$3,424.77$3,178.01$3,071.34
South Dakota$3,982.27Data Not Available$2,940.29$2,306.23
Tennessee$3,660.89$2,739.28$3,283.42$2,639.30
Texas$4,043.28$2,487.89$3,263.28$2,879.94
Utah$3,611.89$2,491.10$2,965.57$4,645.83
Virginia$2,357.87$1,858.38$2,061.53$2,268.95
Vermont$3,234.13$1,903.55$2,195.71$4,382.84
Washington$3,059.32$2,262.16$2,568.65$2,499.78
West Virginia$2,595.36$1,984.62$2,120.80$2,126.32
Wisconsin$3,606.06$2,975.74$3,926.20$2,387.53
Wyoming$3,200.08$2,779.53$3,496.56$2,303.55
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The best way to make sure you’re getting the cheapest car insurance in your area is to shop around and compare rates.

#2 – How can I get help paying my cell phone bill?

If you want to save on other bills to help pay your car insurance bill, you may be able to get assistance in paying phone bills through the Federal Communications Commission (FCC) Lifeline program. This program helps low income families get discounted rates for land line or cell phone service.

#3 – Are there any programs to help pay medical bills?

You may be able to request a discount on your medical bills, depending on your circumstances. You can request a payment plan, if you’re unable to pay the costs upfront. In some cases, depending eligibility, you may also be able to request financial assistance from state and federal government programs, nonprofits, and even the hospital.

When looking for help paying car insurance costs, the first step is to lower your rates. Get started now by using your ZIP code in our online quote tool to help you find cheaper car insurance you don’t have to struggle to pay for.

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Average Monthly Car Insurance Rates by State