Best Auto Insurance for SSI Recipients (2021)

Finding the best auto insurance for SSI recipients is no different than finding a policy for anyone else. However, SSI recipients can receive a maximum of $794 per month, not leaving much financial room for auto insurance. To find affordable auto insurance for SSI recipients, take note of any programs made available by your state as well as any discounts offered by your insurer.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Aug 25, 2021

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What You Should Know

  • Auto insurance for SSI recipients is readily available to qualified applicants who are blind, disabled, and have met the age of 65
  • Some states, like New Jersey, offer government auto insurance for low-income drivers
  • Work with an agent to determine how many discounts are offered by your insurer to help with auto insurance payments
  • SSI can be a supplement or one’s primary income source

Insurance companies analyze risk, and SSI beneficiaries may need auto insurance for high-risk drivers. You may be asking, “How do I find the best auto insurance for SSI recipients?”

Our analysis of auto insurance for SSI recipients will tell you everything about how to get what you need at an affordable price.

We’ll cover options for auto insurance as well as various options you have to lower your rates. These include discounts which are made readily available for SSI recipients.

Before you learn more about auto insurance for SSI recipients, type your ZIP code into our free and helpful tool above. With it, you’ll find auto insurance quotes for SSI recipients in your area.

What is Supplemental Security Income (SSI)?

How exactly does Supplemental Security Income relate to an auto insurance policy? According to the SSA, Supplemental Security Income (SSI) provides payments on a monthly basis to any adult or child with a disability or blindness as long as their annual income is below a specific threshold.

Some utilize Supplemental Security as just that, a supplement, while others need it as their primary source of income. How much does an SSI recipient get per month? A little less than $800 per month ($794 in 2021).

Does it matter if it’s a supplement or if it’s a primary source of income? Yes, one’s SSI benefit can be reduced should the individual have another source of income.

What type of policy does SSI provide?

A recipient of SSI will not receive an auto insurance policy gratis. However, other auto-related benefits may be available in the insured’s particular state.

No state offers free car insurance for disabled individuals, but some do help low-income drivers obtain coverage.

For instance, the Special Automobile Insurance Policy (SAIP) is an affordable form of coverage offered exclusively in New Jersey.

What other type of benefits are available via SSI? Medicaid is the primary example, but food assistance is also available. Essentially, SSI provides multiple avenues for its covered to save money.

Are there discounted auto insurance rates for SSI recipients?

SSI policies are not so different from a standard policy. Even still, an auto insurance policy doesn’t always have to break the bank.

This is especially important considering that, on standard policies, someone with a disability will be paying astronomical rates.

How do the insurance companies determine what they charge? They check a few things:

  • Accident history
  • Age
  • Gender (Which is a category in the process of being phased out)
  • Driver Safety Courses

Which disabilities result in higher premiums? In short, anything that affects driving ability. Even still, it is for the best that you ensure your disability is officially deemed a driving hazard.

If your medical provider has deemed your disability a driving hazard, you will almost certainly be seen as high-risk no matter your accident history.

Does my driving record matter if I have a disability?

No matter what, your driving record will have an effect on your premiums. Disability or no, if you are driving with accidents on your record you’ll be paying elevated premiums.

Let’s take a look at a table that shows us rates offered to those with a clean driving record along with those who have an accident on their record.

Average Annual Auto Insurance Rates by Driving Record
CompaniesRates with a
Clean Record
Rates With
One Accident
Rates With
One DUI
Rates With One
Speeding Violation
Allstate$3,819.90$4,987.68$6,260.73$4,483.51
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Farmers$3,460.60$4,518.73$4,718.75$4,079.01
Geico$2,145.96$3,192.77$4,875.87$2,645.43
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
Nationwide$2,746.18$3,396.95$4,543.20$3,113.68
Progressive$3,393.09$4,777.04$3,969.65$4,002.28
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Travelers$3,447.69$4,289.74$5,741.40$4,260.80
USAA$1,933.68$2,516.24$3,506.03$2,193.25
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As you can see, rates with one DUI tend to be the most costly. Look at Liberty Mutual, where the rates are over $2,800 more per year with a DUI.

In short, just how much more you will be paying after an incident depends on the insurer. However, should you have a DUI, speeding ticket, or accident, your rates will be elevated.

The Effect of Coverage Level On Rates

There is a direct correlation between coverage level and the premiums paid. This is logical, considering one should expect to get more if they pay more. Let’s look at a table that compares rates for various coverage levels.

Average Annual Auto Insurance Rates by Coverage Level
CompaniesLowMediumHigh
Allstate$4,628.03$4,896.81$5,139.02
American Family Insurance$3,368.49$3,544.37$3,416.40
Farmers$3,922.47$4,166.22$4,494.13
Geico$3,001.91$3,213.97$3,429.14
Liberty Mutual$5,805.75$6,058.57$6,356.04
Nationwide$3,394.83$3,449.80$3,505.37
Progressive$3,737.13$4,018.46$4,350.96
State Farm$3,055.40$3,269.80$3,454.80
Travelers$4,223.63$4,462.02$4,619.07
USAA$2,404.11$2,539.87$2,667.92
Average$3,754.18$3,961.99$4,143.29
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As you can see, the difference between high and low auto insurance is fairly negligible. Look at USAA, where coverage is about $260 more per year for a high amount of coverage.

In fact, American Family and Nationwide are only about $100 more for high coverage.

Let’s move on and see what discounts you can obtain from various insurers.

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Discount Availability

The best way to save on auto insurance is discounts, primarily because there are so many that the chance of entitlement is high.

Let’s take a look at a table that shows many of the discounts available from the biggest auto insurance companies.

Auto Insurance Discounts Available by Company

Discounts21st Century Discounts OfferedAAA Discounts OfferedAllstate Discounts OfferedAmerican Family Discounts OfferedAmeriprise Discounts OfferedAmica Discounts OfferedCountry Financial Discounts OfferedEsurance Discounts OfferedFarmers Discounts OfferedGeico Discounts OfferedLiberty Mutual Discounts OfferedMetLife Discounts OfferedNationwide Discounts OfferedProgressive Discounts Offered
Adaptive Cruise Control
Adaptive Headlights
Anti-lock Brakes
Anti-Theft
Claim Free
Continuous Coverage
Daytime Running Lights
Defensive Driver
Distant Student
Driver's Ed
Driving Device/App
Early Signing
Electronic Stability Control
Emergency Deployment
Engaged Couple
Family Legacy
Family Plan
Farm Vehicle
Fast 5
Federal Employee
Forward Collision Warning
Full Payment
Further Education
Garaging/Storing
Good Credit
Good Student
Green Vehicle
Homeowner
Lane Departure Warning
Life Insurance
Low Mileage
Loyalty
Married
Membership/Group
Military
Military Garaging
Multiple Drivers
Multiple Policies
Multiple Vehicles
New Address
New Customer/New Plan
New Graduate
Newer Vehicle
Newly Licensed
Newlyweds
Non-Smoker/Non-Drinker
Occasional Operator
Occupation
On Time Payments
Online Shopper
Paperless Documents
Paperless/Auto Billing
Passive Restraint
Recent Retirees
Renter
Roadside Assistance
Safe Driver
Seat Belt Use
Senior Driver
Stable Residence
Students & Alumni
Switching Provider
Utility Vehicle
Vehicle Recovery
VIN Etching
Volunteer
Young Driver
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Note the prevalence of discounts for anti-lock brakes, anti-theft recovery systems, and daytime running lights. This is advantageous for owners of newer vehicles, as most of them come with numerous pre-installed safety features.

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Best Auto Insurance For SSI Recipients: The Bottom Line

If you are an SSI recipient, you have options to obtain affordable coverage. Find out which auto insurance company for SSI recipients is for you and if there are any government assistance programs in your state, such as SAIP.

Furthermore, work with an agent to learn all the discounts that are applicable to your particular situation. Stacking discounts is perfectly fine and frequently done.

If you are ready to buy auto insurance for SSI recipients, type your ZIP code into our free and helpful tool below. With it, you will find the most affordable auto insurance in your area.

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