Cheap Auto Insurance for SSI Recipients in 2025 (Save With These 8 Companies!)

21st Century, Safeco, and Mercury offer cheap auto insurance for SSI recipients.

Below, you can see some more options for the cheapest auto insurance companies for SSI recipients, from MetLife to The General.

Our Top 8 Company Picks: Cheap Auto Insurance for SSI Recipients

If you need auto insurance for disabled people, the best thing you can do is find and compare auto insurance quotes from multiple companies in your area. You may find that rates for coverage in your area are relatively low.

You can also enter your ZIP code into our quote tool above to compare rates from the top providers.

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#1 – 21st Century: Top Overall Pick

Pros

• Personalized Coverage: 21st Century provides tailored policy options, making it a strong choice for SSI recipients seeking affordable auto insurance.
• Online Tools for SSI Recipients: 21st Century’s app and website make it easy for customers to manage their policies (Read more: 21st Century Auto Insurance Review).
• Numerous Discounts: 21st Century offers multiple discounts, including good driver and mature driver discounts, helping SSI recipients save on auto insurance.

Cons

• Mixed Customer Service Reviews: 21st Century has received some negative feedback regarding its customer service, which may impact SSI recipients seeking reliable support.
• Limited Availability: Currently, 21st Century auto insurance is only available in California, restricting options for SSI recipients in other states.

#2 – Safeco: Best for Diminishing Deductibles

Pros

• Diminishing Deductible:  SSI recipients who maintain a clean driving record will see their deductibles decrease at Safeco, helping them save on out-of-pocket costs.
• Car Accident Forgiveness:  SSI recipients who meet Safeco’s qualifications will be forgiven for their first at-fault accident, preventing rate hikes after a single incident.
• Digital Tools: Safeco’s app and website make it easy for SSI recipients to manage policy details conveniently. Read more about Safeco in our Safeco auto insurance review.

Cons

• Fewer Coverages:  Safeco is missing a few add-on coverages like gap insurance, which may limit options for SSI recipients needing additional protection.
• Mixed Customer Satisfaction Reviews: Safeco had low customer satisfaction ratings from some customers, which could be a concern for SSI recipients seeking dependable service.

#3 – Mercury Insurance: Best for Many Discounts

Pros

• Multiple Discounts: Mercury provides various discounts that can help SSI recipients lower their auto insurance costs (Read More: Mercury auto insurance review).
• Decent Coverage Options: Mercury Insurance offers a good selection of auto insurance coverages, including rideshare insurance, providing SSI recipients with flexible protection options.
• Easy Policy Management: Mercury’s online tools make it simple for SSI recipients to manage their policies conveniently.

Cons

• Limited Availability: Mercury Insurance is not available nationwide, which may restrict options for SSI recipients in certain states.
• Mixed Customer Reviews: Mercury Insurance has received some negative customer service reviews, which could be a concern for SSI recipients seeking reliable support.

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#4 – MetLife: Best for Online Experience

Pros

• Online Experience” MetLife offers a seamless online experience, making it easy for SSI recipients to get quotes, manage policies, and file claims conveniently.
• Coverage Options: MetLife has a good selection of auto insurance coverages from which SSI recipients can choose. Learn more in our MetLife auto insurance review.
• Customer Service Reputation: MetLife has a decent customer service reputation for claims handling and more, providing SSI recipients with reliable support and an easy-to-use online format for policy management.

Cons

• Limited Availability: MetLife isn’t sold in a handful of states, which may limit options for SSI recipients looking for coverage.
• Fewer Local Agents: MetLife may not have local agents in certain areas, making it harder for SSI recipients to get in-person assistance when needed.

#5 – Erie Insurance: Best for Policy Perks

Pros

• Policy Perks: Erie offers valuable policy perks, such as free accident forgiveness and diminishing deductibles, which can benefit SSI recipients looking for extra savings and coverage flexibility.
• Rate-Lock option: Erie’s rate-lock option helps SSI recipients avoid rate increases, which can help SSI recipients keep rates low.
• Add-on coverages: Erie has a good selection of add-on coverages for SSI recipients, which you can read more about in our Erie auto insurance review.

Cons

• Limited Availability: Erie Insurance is only offered in a few states, which may limit options for SSI recipients seeking coverage.
• Rates Expensive for High-Risk Drivers: If SSI recipients have bad credit or a bad driving record, Erie Insurance may not offer the cheapest rates.

#6 – AAA: Best for Roadside Assistance

 

Pros

• Roadside Assistance: AAA’s roadside assistance is highly rated, providing SSI recipients with reliable help in case of breakdowns or emergencies. Learn more in our AAA auto insurance review.
• Multiple Perks:  AAA members, including SSI recipients, get additional discounts beyond auto insurance, such as savings on travel and shopping.
• Strong Customer Support: It is known for its responsive customer service, ensuring SSI recipients receive assistance with claims, policy management, and roadside emergencies when needed.

Cons

• Membership Fees: SSI recipients must purchase an AAA membership to access AAA auto insurance, adding an extra cost to coverage.
• Coverage Options Can Vary: The availability of auto insurance coverage may differ from branch to branch, which could affect SSI recipients depending on their location.

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#7 – Amica: Best for Dividend Payments

Pros

• Dividend Policies: Amica offers auto insurance dividend policies, allowing SSI recipients to earn up to 20% of their annual premium back, helping to reduce costs.
• Good Customer Reviews: The company is highly rated by customers, providing SSI recipients with reliable service and a positive claims experience. Learn more in our Amica auto insurance review.
• Loyalty Discounts: The company offers discounts to loyal customers, including SSI recipients, who have stayed with it for years.

Cons

• Rates Can Vary: Amica may not be the cheapest option for high-risk drivers, including SSI recipients with poor credit or driving history.
• Limited Availability: Amica auto insurance isn’t available in Hawaii, which may limit options for SSI recipients in that state.

#8 – The General: Best for High-Risk Coverage

Pros

• Great for High-Risk Drivers: The General accepts high-risk drivers, including SSI recipients, who may not be able to get car insurance elsewhere.
• Multiple Coverage Options: The General offers liability-only car insurance for SSI recipients looking for the cheapest coverage possible, as well as add-ons like gap insurance.
• Good Discounts: The General provides various discounts, including good student and bundling discounts, which can help SSI recipients save on their premiums (Read More: The General Auto Insurance Review)

Cons

• Mixed Customer Reviews: The General has received some negative reviews from customers, including SSI recipients, regarding claims processing and customer service.
• Limited Availability:  The General auto insurance isn’t available in a handful of states, which may limit options for SSI recipients seeking coverage.

SSI Auto Insurance Costs

The amount you will pay for car insurance as an SSI recipient depends on several factors. Insurance companies determine policyholders’ rates by considering multiple things, such as:

• Age & Gender: Young and older drivers face higher insurance rates due to accident risk and reaction time. Average auto insurance rates by age vary, with men typically paying more than women, though some states prohibit gender-based pricing.
• Driving & Claims History: Traffic violations, accidents, DUIs, and multiple claims increase auto insurance rates. Insurers assess driving records to determine risk.
• Credit Score & Financial Factors: Lower credit scores can lead to higher rates, except in states where credit-based pricing is banned. Marital status and homeownership can lower premiums.
• Vehicle & Location: Insurers consider a car’s safety rating, crash history, and repair costs. ZIP codes impact rates based on crime, weather, and living expenses, though some states ban location-based pricing.
• Education & Responsibility: Higher education levels are linked to lower risk, but the impact on rates is minimal. Homeowners and married drivers may receive discounts for perceived stability.

The table below shows the cheapest car insurance for SSI recipients in each state.

Cheapest Auto Insurance Providers for SSI Recipients by State

As a disabled driver, you may find that your rates differ from those listed in the tables. For example, you may sometimes pay higher rates because you pose more risk to insurance companies. But in other instances, you may pay lower rates if you do not drive that often or take advantage of specific discounts on coverage. Below, you can see the cost of standard coverage policies at the cheapest companies.

Carrying the minimum coverage in your state is the cheapest option, but keep in mind that financial protection is limited with minimum insurance policies.

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SSI Recipient Auto Insurance Discounts

You won’t get car insurance discounts specifically for receiving a monthly SSI supplement. But companies offer discount options for various reasons. Some of the most common auto insurance discounts available to policyholders in the U.S. at our top companies for SSI recipients include disability discounts on car insurance, which may be available through select insurers.

 Auto Insurance Discounts for SSI Recipients

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Discounts on coverage typically help policyholders save anywhere from 5% to 25%. You can speak with a representative from your insurance company to see if you qualify for a discount on your coverage.

Additionally, some states or organizations may offer free car insurance for disabled adults under specific assistance programs. If you’re looking for car insurance for people on SSI, be sure to check with insurers that provide specialized coverage options or financial assistance programs.

Other Ways to Save on SSI Auto Insurance 

While free car insurance for the disabled doesn’t exist, you may be able to find car insurance for disabled adults at a cheaper rate. However, you will have to speak with individual insurers to see if this is possible, and most insurance companies will not offer discounted rates because of a disability.

Read More: How to Save Money by Bundling Insurance Policies

Still, there are other easy ways for you to save money on coverage. For example, if you live with a spouse, dependent, or parent, you may be eligible for lower rates if you bundle your coverages together in a multi-vehicle policy. This is considered a bundling advantage with most companies.

You may benefit from a usage-based policy if you don’t drive very often. Driving seldom means you’re not as risky to most insurers since you spend less time on the road, so a usage-based policy may be helpful for some SSI recipients.

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Free car insurance for the disabled near you may be available through certain state programs or non-profit organizations, but eligibility is limited. Lastly, there are a few options for government car insurance for low-income individuals that could benefit you based on your unique situation.

Government Assistance Programs for Auto Insurance for SSI Recipients

Certain states fund auto insurance programs that help provide affordable car insurance for SSI recipients:

• Maryland: The Maryland Automobile Insurance Fund (MAIF) provides liability coverage to individuals who cannot afford standard insurance rates.
• New Jersey: The Special Automobile Insurance Policy (SAIP) is available to low-income families. It provides rates as low as $1 a day for car insurance that meets NJ’s liability requirements.
• California: The Low-Cost Automobile Program (CLCA) provides liability protection at affordable rates to low-income families. Eligible individuals must be within 250% of the federal poverty limit.
• Hawaii: Assistance to the Aged, Blind, and Disabled (AABD) provides free car insurance to people who qualify.

If you do not live in one of the states above, you may not be eligible for federal or state assistance. But there may be charitable organizations or groups in your area that could help you find affordable auto insurance or pay for some or your entire premium on your behalf.

Why does auto insurance vary from state to state? Auto insurance rates differ due to state laws, coverage requirements, population density, accident statistics, and other risk factors. These variations impact how much SSI recipients and other drivers pay for coverage.

How to Find Cheap Auto Insurance for SSI Recipients

If you receive SSI, you will likely have a fixed income. But you are still responsible for maintaining a valid car insurance policy on your vehicle. You may be able to find cheap auto insurance with certain companies, or you could be eligible for discounts on coverage. 21st Century, Safeco, and Mercury are the leading companies offering the lowest rates for SSI recipients.

Save extra cash in 2022 with 21st Century Insurance®! Did you know customers who switch to 21st Century save up to $378*?! Drivers can get additional discounts, too! Learn more: https://t.co/xPXJshogNd pic.twitter.com/AsOla8YFpW

— 21st Century (@21stCenturyAuto) January 3, 2022

To find affordable coverage, save money by comparing insurance quotes from multiple companies by entering your ZIP code to see which one offers the best auto insurance for SSI recipients. You may be surprised at how cheap your auto insurance rates could be.

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Frequently Asked Questions

What is Supplemental Security Income?

Supplemental Security Income (SSI) provides monthly federal aid to low-income individuals who are blind or disabled. If you’re legally allowed to drive, you must maintain car insurance, which can be challenging on a fixed income. However, there are ways to find affordable coverage as an SSI recipient.

Read More: Cheap Auto Insurance for Low-Income Families

Can SSI recipients get auto insurance?

Yes, SSI recipients can obtain auto insurance coverage like any other individual. Auto insurance companies provide coverage to a wide range of customers, including SSI recipients. However, it’s important to consider the affordability of insurance premiums based on individual financial circumstances.

Does Social Security offer auto insurance?

No, Social Security doesn’t provide auto insurance, but SSI recipients can find cheap auto insurance for SSI recipients through major insurers. The best Social Security car insurance depends on discounts, location, and driving history, so comparing quotes is the best way to save.

Can SSI income impact auto insurance rates?

SSI income itself does not directly impact auto insurance rates. When determining premiums, insurance companies primarily consider factors that affect auto insurance rates, such as driving record, age, location, vehicle type, and coverage options. SSI income may indirectly impact auto insurance affordability.

Use our free comparison tool to see what auto insurance quotes look like in your area.

Are there any special auto insurance programs or discounts available for SSI recipients?

Some states and organizations offer special auto insurance programs or discounts for low-income individuals, including SSI recipients. These programs may provide affordable coverage options or discounts based on specific eligibility criteria. It’s recommended to inquire with local government agencies or non-profit organizations to explore available options.

Is it possible to find affordable auto insurance as an SSI recipient?

Affordable auto insurance options are available for individuals on SSI. It’s advisable to shop around and obtain quotes from multiple insurance providers to compare rates. Additionally, exploring special programs, discounts, and state-specific assistance options can help SSI recipients find affordable auto insurance that fits their budget.

Can SSI recipients qualify for state-sponsored auto insurance programs?

State-sponsored auto insurance programs vary by state and may have specific eligibility criteria. Some states offer programs designed to provide affordable auto insurance options to low-income individuals, including SSI recipients. These programs may have income thresholds or other requirements. It’s recommended to inquire with local insurance departments or agencies to learn about state-specific programs.

Can SSI recipients qualify for discounts based on low mileage?

SSI recipients, like any other drivers, may qualify for low-mileage discounts offered by some insurance companies. If you don’t drive frequently or have limited annual mileage, you may be eligible for a discount. It’s advisable to inquire with insurance providers and provide accurate information about your mileage to explore available discounts.

Read More: How Annual Mileage Affects Your Auto Insurance Rates

Should SSI recipients consider liability-only coverage to reduce costs?

Liability-only coverage may be an option for SSI recipients looking to reduce auto insurance costs. Liability coverage is typically the minimum required by law and covers damages or injuries to others in an accident where the insured is at fault. However, it’s important to carefully assess personal needs, potential risks, and financial circumstances before deciding on coverage options.

Can SSI recipients include additional drivers, such as family members, on their auto insurance policy?

SSI recipients can typically include additional drivers, such as family members, on their auto insurance policy. However, it’s important to inform your insurance provider about all drivers who will regularly use the insured vehicle to ensure proper coverage. Insurance rates may be affected by the driving records and characteristics of the additional drivers.

What is the best car insurance for disabled drivers?

The best car insurance for people on disability payments are companies like 21st Century, Safeco, and Mercury, as they have the most affordable rates. Explore your auto insurance options by entering your ZIP code into our free comparison tool today.

Does being disabled affect car insurance?

Auto insurance companies can not deny people with disabilities car insurance or increase rates because of a disability. There also aren’t disability car insurance discounts for drivers with disabilities, but drivers with disabilities can still save with other discounts.

Read More: Auto Insurance for Different Types of Drivers

Do auto insurance companies check employment status?

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Written by:

Daniel S. Young

Insurance Content Managing Editor

Daniel S. Young began his professional career as chief editor of The Chanticleer, a Jacksonville State University newspaper. He also contributed to The Anniston Star, a local newspaper in Alabama. Daniel holds a BA in Communication and is pursuing an MA in Journalism & Media Studies at the University of Alabama. With a strong desire to help others protect their investments, Daniel has writt...

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Written by Daniel S. Young

Insurance Content Managing Editor

Reviewed by:

Laura Berry

Former Licensed Insurance Producer

Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax...

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Reviewed by Laura Berry

Former Licensed Insurance Producer

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