UPDATED: May 7, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Medicaid is the government-run healthcare program for low-income families in the United States. It is funded by both the federal and state governments and managed by each individual state. Both US and non-US citizens can be served by Medicaid.
Groups eligible include low-income adults and their children and people with certain disabilities. Medicaid is the largest source of health insurance for low-income families in the United States. is auto insurance for Medicaid a provision within that program? Most of the time, the answer is no, but you might be in luck. We’ll be going over your options.
If you are looking for ways to save on auto insurance, get a free quote using our tool above.
Does Medicaid cover auto accidents?
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.
The Special Auto Insurance Policy (SAIP) for New Jersey auto insurance allows drivers who are eligible for Medicaid and welfare to obtain auto insurance cheaply medical-only liability coverage. What are the requirements for this low-income dollar-a-day auto 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. Whether you’re looking for dollar-a-day insurance in East Orange, NJ or Newark, NJ, the SAIP policy may be able to help.
This video talks about the SAIP program.
This policy ONLY covers medical expenses resulting from auto accidents. It is not to be confused with liability coverage, collision coverage, comprehensive coverage, or any other auto insurance coverage types.
In most states, however, having Medicaid alone will not cover injuries sustained in automobile accidents. You will need an additional insurance policy to cover this.
It is most likely that your Medicaid policy WILL NOT cover auto accident injuries.
Also, because Medicaid regulations differ in each state (and are always changing), it’s hard to say if they will pay anything until claims against the auto insurance company have been exhausted.
Please visit the government Medicaid website to see if your state offers any type of auto insurance help for Medicaid policyholders, as they’re the best to find out what sort of insurance is covered under Medicaid. You may also call the Medicaid headquarters at toll-free 877-267-2323.
Each state has its own requirements for automotive liability requirements. That’s required just about everywhere. You don’t normally have to have full coverage unless the lender you financed it from requires it.
You may need medical payments coverage on your auto insurance, but that is down to your state. The Insurance Information Institute (III) lists requirements for your state.Minimum Liability Requirements by State
|State||Car Insurance Requirements||Minimum Liability Limits|
|AL||BI & PD Liab||25/50/25|
|AK||BI & PD Liab||50/100/25|
|AZ||BI & PD Liab||15/30/10|
|AR||BI & PD Liab, PIP||25/50/25|
|CA||BI & PD Liab||15/30/5|
|CO||BI & PD Liab||25/50/15|
|CT||BI & PD Liab, UM, UIM||25/50/20|
|DE||BI & PD Liab, PIP||25/50/10|
|DC||BI & PD Liab, UM||25/50/10|
|FL||PD Liab, PIP||10/20/10|
|GA||BI & PD Liab||25/50/25|
|HI||BI & PD Liab, PIP||20/40/10|
|ID||BI & PD Liab||25/50/15|
|IL||BI & PD Liab, UM, UIM||25/50/20|
|IN||BI & PD Liab||25/50/25|
|IA||BI & PD Liab||20/40/15|
|KS||BI & PD Liab, PIP||25/50/25|
|KY||BI & PD Liab, PIP, UM, UIM||25/50/25|
|LA||BI & PD Liab||15/30/25|
|ME||BI & PD Liab, UM, UIM, Medpay||50/100/25|
|MD||BI & PD Liab, PIP, UM, UIM||30/60/15|
|MA||BI & PD Liab, PIP||20/40/5|
|MI||BI & PD Liab, PIP||20/40/10|
|MN||BI & PD Liab, PIP, UM, UIM||30/60/10|
|MS||BI & PD Liab||25/50/25|
|MO||BI & PD Liab, UM||25/50/25|
|MT||BI & PD Liab||25/50/20|
|NE||BI & PD Liab, UM, UIM||25/50/25|
|NV||BI & PD Liab||25/50/20|
|NJ||BI & PD Liab, PIP, UM, UIM||15/30/5|
|NM||BI & PD Liab||25/50/10|
|NY||BI & PD Liab, PIP, UM, UIM||25/50/10|
|NC||BI & PD Liab, UM, UIM||30/60/25|
|ND||BI & PD Liab, PIP, UM, UIM||25/50/25|
|OH||BI & PD Liab||25/50/25|
|OK||BI & PD Liab||25/50/25|
|OR||BI & PD Liab, PIP, UM, UIM||25/50/20|
|PA||BI & PD Liab, PIP||15/30/5|
|RI||BI & PD Liab||25/50/25|
|SC||BI & PD Liab, UM, UIM||25/50/25|
|SD||BI & PD Liab, UM, UIM||25/50/25|
|TN||BI & PD Liab||25/50/15|
|TX||BI & PD Liab, PIP||30/60/25|
|UT||BI & PD Liab, PIP||25/65/15|
|VT||BI & PD Liab, UM, UIM||25/50/10|
|VA||BI & PD Liab, UM, UIM||25/50/20|
|WA||BI & PD Liab||25/50/10|
|WV||BI & PD Liab, UM, UIM||25/50/25|
|WI||BI & PD Liab, UM, Medpay||25/50/10|
|WY||BI & PD Liab||25/50/20|
Get Your Rates Quote Now
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.
What is the difference between Personal Injury Protection (PIP) and MedPay? Both are additional liability requirements for medical expenses. Enter your zip code below to view companies that have cheap auto insurance rates. Secured with SHA-256 Encryption
Enter your zip code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
What are some low-income auto insurance options?
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 remained uninsured because they simply cannot afford it.
Many states have set up low-cost auto insurance programs (separate from Medicaid) for those who qualify for it.
This video discusses the CLCA.
Hawaii also offers help through their Aid to the Aged, Blind, and Disabled (AABD) program, which is there to give assistance to those who need it. This may also include auto insurance if you qualify in Hawaii.
Maryland has a public insurance option, known as Maryland Auto Insurance (formerly MAIF). This provides residents of Maryland auto liability insurance who aren’t able to get. insurance the normal way. MD drivers get at least 20/15 coverage, which breaks down to $20,000 in personal bodily liability and $15,000 in property damage liability. Their website provides more information for citizens of the Old Line State.
Discounts Provided by Major Auto Insurance Companies
Apart from government programs, there are many discounts available through insurance providers. Here are some discounts provided by the major auto insurers in the country.
|Companies||Emergency Deployment||Federal Employee||Forward Collision Warning||Membership/Group||Military||Military Garaging||Occupation||Recent Retirees|
Get Your Rates Quote Now
A lot of times, it just comes down to shopping around and doing your research. Inquire about any discounts or special programs that are available. Often times, the insurance will be much cheaper than you expected.
See what your options are by getting a free quote with our tool below.