Low Income Car Insurance Rates

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Here's what you need to know...
  • Explain your financial situation to your current provider in an effort to lower insurance costs
  • Some state governments offer programs that help provide insurance for low-income drivers
  • Shopping around can help you find the best deal on car insurance

For those of you with low income, car insurance may seem unattainable, especially in today’s struggling economy.

Car insurance premiums and payments comprise a great percentage of one’s overall revenue. However, with a little creativity and persistence, affordable insurance is available.

Most states require car insurance or some proof of ability to pay and a large cash deposit.

However, driving without car insurance is a risky option at best. If you get into an accident and you have no auto coverage, you could spend years paying for that accident.

Enter your zip code in our FREE tool to find online car insurance quotes now!

Low Income Car Insurance is Closer than You Think


If you currently have auto insurance, it’s certainly not a bad idea to check with your own insurance company.

When it comes time to renew your current policy, explain your financial situation to them. Let them provide you with other options or plans.

Ask about discounts for customer loyalty or having a good driving record.

Perhaps you have more coverage than you actually need.

For example, if you were financing your car when you first purchased your policy, but the vehicle is now paid off, you may want to get rid of comprehensive coverage, and keep only liability.

Drivers Can Shop Around for Low Income Car Insurance

One of the best ways to be certain that you are paying the lowest rate is to shop around.

Get several quotes, not just one. Comparison shop, and then make a decision.

Locate a company with a monthly payment plan. If you have a renewal policy available when you shop, you may have more leverage than you think.

Automobile insurance companies are always looking to steal their competitors’ customers, particularly in today’s tough economy.

Request quotes based on different levels of coverage and deductibles into options for coverage when looking.

Many insurance companies are finding ways to make their insurance plans more affordable, and monthly payment plans are becoming more popular for this reason.

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Some State Governments Offer Low Income Car Insurance

California is the forerunner in offering its citizens low-income car insurance.

The primary goal of the California Low-Cost Automobile Insurance Program, CLCA, is to provide affordable low-cost coverage to those individuals who need

Additionally, California state law prohibits the insurance company from charging extra fees, so Californians who qualify for low income car insurance will never pay broker fees, motor vehicle report fees, or paperwork fees!

There are some eligibility requirements:

  • You must be at least 19 years old
  • You must have been a continuously licensed driver for a previous 3-year period
  • You must be labeled as a good driver
  • Your must own a vehicle valued at less than $20,000
  • You must meet the posted requirements concerning your income eligibility

Even without the aid of a state-mandated program set into place by your legislature like the one in California, you can still do a lot to decrease the cost of your car insurance policy.

Find Low Income Car Insurance

Do your comparison shopping online! The internet is a great place to begin the search for low-income car insurance with an affordable and reputable company.

It’s important to point out that this is not a process you would want to rush through. Evaluate what each company has to offer in terms of both coverage and price.

Even if you do not qualify for a low-cost program, we can help you find low-income car insurance. Simply enter your zip code and compare online car insurance rates now!

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

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