Cheap Car Insurance for SSI Recipients in 2024
Car insurance for SSI recipients can be cheaper than average if the customer is retired. Although disabled drivers don't receive more affordable rates, drivers aged 60 and older can receive up to 30 percent off on car insurance. Continue reading to learn how you can obtain car insurance for SSI recipients. Or if you're ready to buy SSI car insurance, enter your ZIP code to begin comparing rates for car insurance for SSI recipients.
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Chris Harrigan
Former Auto Insurance Claims Manager
Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.
Former Auto Insurance Claims Manager
UPDATED: Nov 25, 2024
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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.
UPDATED: Nov 25, 2024
It’s all about you. We want to help you make the right car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- If you’re a Supplemental Security Income (SSI) recipient, review your policy payment options so that you can afford to pay your insurance on time.
- Most car insurance companies give their clients the option to pay premiums monthly, quarterly, or semi-annually.
- An insurance company can’t discriminate against you or charge you more for coverage because you receive SSI.
- Keep your credit score in check because most states allow insurers to reference a credit score to determine rates.
- If you’re disabled, you may have to provide proof that you’re medically able to drive from a physician treating you.
Auto insurance for SSI recipients can be expensive, depending on your age, SSI status, and whoever is driving your vehicle. If you’re an SSI recipient living on your own with no other income source, chances are you’re living paycheck to paycheck.
While there are ways for elderly and disabled individuals receiving Social Security to supplement their SSI income, a single person will receive a maximum of $735 per month in benefits. That’s likely not enough income to purchase car insurance for SSI recipients.
Our extensive guide to auto insurance for SSI recipients will show you several solutions, car insurance companies, and other options available to ensure that you have affordable SSI auto insurance.
Find cheap SSI auto insurance rates in your area by entering your ZIP code in the FREE comparison tool above. For more information, read on to learn what you should know before you buy SSI car insurance.
Car Insurance For SSI Recipients
It’s nice to receive a guaranteed month-to-month income when you have limited resources and you qualify for benefits, but balancing your recurring bills can be difficult.
You’ll have to find ways to reduce your monthly expenses at every turn. One bill to focus on when you start receiving SSI is your auto insurance policy. Let’s review some data about the number of people who receive SSI benefits.
Number of SSI Beneficiaries in the United States
| SSI Recipients | Percentage of Total SSI Recipient Population |
|---|---|
| Spouses | 3.90% |
| Widow(ers) & Parents | 6.10% |
| Children | 6.30% |
| Disabled Workers | 12.90% |
| Retired Workers | 70.90% |
According to the Social Security Administration, retired and disabled workers make up the vast majority of SSI recipients.
USAA auto insurance is known for servicing a lot of retired customers.
Continue reading to learn how SSI disability auto insurance can affect SSI recipients.
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Your Source of Income Won’t Affect Your Insurance Rates
If you’re receiving SSI and you aren’t earning an income through employment or self-employment, you don’t have to worry that your source of income will have an impact on your rates.
Your income and where your money comes from each month aren’t acceptable factors that can be used to calculate your rates, but let’s discuss the factors that will be considered.
Insurance companies are free to check a credit-based insurance score when calculating your rates, but the report isn’t going to be like a creditor’s report. When the report is pulled up, it can’t include information that’s deemed discriminatory.
The states have deemed that your source of income isn’t relevant and can’t be accessed, as this would be considered a discriminatory practice.
If You’re Retired or Disabled, You Could Pay a Lower Rate
Being an SSI recipient can indirectly affect how much insurance you can afford to carry and how much you’ll pay for your coverage.
Your employment status or occupation is a rating factor that can help insurers assess how likely you are to cost the carrier money after a loss. That’s why occupation is a risk factor. (For more information, read our “Do car insurance companies check employment status?“).
If you’re retired or unemployed due to disability, you might pay less than someone who works full-time or attends school full-time.
Since retirees and unemployed drivers aren’t going to and from work and living with the stress of knowing they have to be on time to the office, they are a lower risk when it comes to occupation risk factors. In turn, they pay lower rates. (For more information, read our “Does being retired affect car insurance?“).
Can you be turned down because of a disability?
Suppose you have a mental or physical disability that affects your ability to safely operate a motor vehicle. In that case, it’s your responsibility as a licensed driver to tell your state’s motor vehicle agency.
At that point, the agency will add restrictions to your license or revoke your driving privileges.
When your disability affects your driving, and there are no aides that you can use to safely keep your license, you will no longer be permitted to drive.
This is the only time that an insurance company can penalize you for having a mental or physical disability. If you have a disability that does not impact your ability to drive, it will also not affect your car insurance.
Auto insurance discounts for disabled drivers are the same as those for non-disabled drivers. Senior disabled drivers who hold a driver’s license can receive cheaper rates. (For more information, read our “Car Insurance for Disabled Persons“).
You can find cheaper car insurance rates for SSI recipients, but you will not be able to find free car insurance for disabled drivers.
If more than one driver is listed on your auto insurance policy, ask your car insurance company about additional discounts.
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Will you pay more as a senior?
If you’re on SSI because you’ve reached 65, you could start to notice your rates go up. Usually, you don’t pay more for coverage because of your age or driving experience until you reach at least 60.
Read more: Finding Low-Cost Senior Car Insurance
After that point, accident rates start to climb, and that creates more risk for the insurer. Where there’s more risk, there are higher premiums.
The table below looks at average annual car insurance rates by age.
Average Annual Car Insurance Rates by Age and Gender
| Companies | Average Annual Rates for a Married 60-Year-Old Female | Average Annual Rates for a Married 60-Year-Old Male | Average Annual Rates for a Married 35-Year-Old Female | Average Annual Rates for a Married 35-Year-Old Male | Average Annual Rates for a Single 25-Year-Old Female | Average Annual Rates for a Single Single 25-Year-Old Male | Average Annual Rates for a Single 17-Year-Old Female | Average Annual Rates for a Single 17-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| USAA | $1,449.85 | $1,448.98 | $1,551.43 | $1,540.32 | $1,988.52 | $2,126.14 | $4,807.54 | $5,385.61 |
| State Farm | $1,873.89 | $1,873.89 | $2,081.72 | $2,081.72 | $2,335.96 | $2,554.56 | $5,953.88 | $7,324.34 |
| Progressive | $1,991.49 | $2,048.63 | $2,296.90 | $2,175.27 | $2,697.73 | $2,758.66 | $8,689.95 | $9,625.49 |
| American Family | $1,992.92 | $2,014.38 | $2,202.70 | $2,224.31 | $2,288.65 | $2,694.72 | $5,996.50 | $8,130.50 |
| Travelers | $2,051.98 | $2,074.41 | $2,178.66 | $2,199.51 | $2,325.25 | $2,491.21 | $9,307.32 | $12,850.91 |
| Nationwide | $2,130.26 | $2,214.62 | $2,360.49 | $2,387.43 | $2,686.48 | $2,889.04 | $5,756.37 | $7,175.31 |
| Geico | $2,247.06 | $2,283.45 | $2,302.89 | $2,312.38 | $2,378.89 | $2,262.87 | $5,653.55 | $6,278.96 |
| Farmers | $2,336.80 | $2,448.39 | $2,556.98 | $2,557.75 | $2,946.80 | $3,041.44 | $8,521.97 | $9,144.04 |
| Allstate | $2,913.37 | $2,990.64 | $3,156.09 | $3,123.01 | $3,424.87 | $3,570.93 | $9,282.19 | $10,642.53 |
| Liberty Mutual | $3,445.00 | $3,680.53 | $3,802.77 | $3,856.84 | $3,959.67 | $4,503.13 | $11,621.01 | $13,718.69 |
You might get lucky with your current insurer and avoid an age-related rise in premiums until you’re 67-70. With almost all carriers, 70-year-old drivers will see a huge jump.
If you keep your license even longer, you can expect to pay an average of four times more than a teenage driver when you hit 80.
Tips to Pay Your Car Insurance Premiums On Time
There may be times where you just can’t manage your auto insurance payments because of all of the other bills that are due.
There are a few ways to schedule your payments and different programs that could reduce your financial obligations for financial protection.
Continue reading to learn more tips.
Select a More Convenient Installment Option
Most companies don’t require you to pay your entire policy premium up front. If you’re with a car insurance company that does require this and you’re on SSI, look for a policy through a company with the following payment options:
- Monthly
- Quarterly
- Skip-a-month
Get more car insurance options for SSI recipients when you enter your ZIP code in the FREE comparison tool.
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Look For Low-Cost State Programs
If you’re on SSI, you’ll qualify for special low-income programs through the state. Government car insurance for low-income individuals isn’t available nationwide.
California, Hawaii, and New Jersey are the only three states that have government-sponsored auto insurance.
If you’re living in a state with a government-sponsored low-income insurance program, see if you can get lower premiums by purchasing the low-income insurance plan.
Major auto insurance companies usually don’t offer low-income programs. You won’t find a Progressive low-income car insurance program. The only help with car insurance you’ll get through the major insurers comes from stacking your car insurance discounts.
Try Part-Time Employment
If you’re able to work, you may wish to participate in the federal Ticket to Work program for SSI recipients. By entering this program, you can find a job that will cater to your needs.
Watch this video from a law office about how you can work while receiving SSI.
You can also earn a little extra income that won’t disqualify you from receiving SSI. Even an extra $500 per year could help you pay your insurance premiums.
Car Insurance For SSI Recipients: The Bottom Line
If you don’t want limited coverage and you can’t work to make additional income, the best thing to do is shop around for the lowest-priced policy you can find.
There are so many different companies out there, and each has its own rates. By shopping around, you can find the carrier with rates tailored to meet your needs.
You could spend hours calling agents or driving to and from agencies, but the best way to shop around for car insurance as an SSI recipient is to use the internet.
If you’re an SSI recipient, enter your ZIP code below to find SSI auto insurance quotes from top SSI auto insurance companies in your area.
Frequently Asked Questions: Car Insurance For SSI Recipients
Let’s wrap up the guide by answering a few questions that appear on search engines across the web. The answers to these questions will add to what you’ve learned about auto insurance for SSI recipients and clear up a few details. Continue reading to learn more.
#1 – Is car insurance cheaper if you are disabled?
No. Auto insurance companies are not allowed to discriminate. Therefore, auto insurance rates are the same for disabled drivers.
#2 – What insurance do you get with SSI?
People approved for Social Security disability insurance will receive Medicare, and SSI recipients can receive Medicaid.
#3 – What does Medicaid cover for SSI recipients?
Medicaid covers children, the blind, disabled people, the elderly, or any person eligible for government assistance. Coverage benefits are inpatient and outpatient hospital services, physician services, laboratory, and x-ray services. Also, you can receive home health services.
#4 – How much savings can an SSI recipient have?
SSI recipients can only have $2,000 in assets ($3,000 for couples).
#5 – Can SSI help me get a car?
SSI can’t help you get a car, but there’s no limit to the number of cars you can own as an SSI recipient.
Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”
Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!
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Chris Harrigan
Former Auto Insurance Claims Manager
Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.
Former Auto Insurance Claims Manager
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.