Dollar-a-Day Car Insurance in 2025 [Attn: Medicaid Recipients in NJ!]
Nationwide, State Farm and Allstate offer the best dollar-a-day car insurance. Nationwide, with rates as low as $33 a month, provides low-cost solutions to families working to make ends meet with a wide range of coverage options. Discover how to save by paying a dollar a day for your auto insurance.
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Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
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UPDATED: Apr 10, 2025
It’s all about you. We want to help you make the right 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 provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Apr 10, 2025
It’s all about you. We want to help you make the right 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 provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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.
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18,154 reviewsCompany Facts
Full Coverage in Dollar-a-Day
A.M. Best Rating
Complaint Level
Pros & Cons
18,154 reviews
11,638 reviewsCompany Facts
Full Coverage in Dollar-a-Day
A.M. Best Rating
Complaint Level
Pros & Cons
11,638 reviewsNationwide, State Farm and Allstate offer the best dollar-a-day car insurance. Nationwide, with rates as low as $33 a month, provides low-cost solutions to families working to make ends meet with a wide range of coverage options.
Cheapest New Jersey Car Insurance Companies by Monthly Cost
| Insurance Company | Rank | Monthly Rates |
|---|---|---|
 | #1 | $97 |
 | #2 | $140 |
 | #3 | $152 |
 | #4 | $157 |
 | #5 | $168 |
 | #6 | $171 |
 | #7 | $182 |
 | #8 | $193 |
 | #9 | $196 |
 | #10 | $200 |
Rising costs often leave many searching for better alternatives that provide necessary coverage without breaking the bank. We’ll guide you through the top car insurance providers and compare them to tailor your coverage to your needs.
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However, it’s important to note that these affordable policies may have limitations, such as minimal coverage and increased out-of-pocket costs in the event of an accident.
- #Step 1: Check Your Eligibility — Check if you are eligible
- #Step 2: Find an Authorized Insurance Provider — Look for a provider
- #Step 3: Finish Your Application — Pay to starting using the service
Explore affordable dollar-a-day insurance options available in your area by entering your zip code into our free comparison tool.
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Dollar-a-Day Car Insurance
Dollar-a-day car insurance is a very low-cost way to get basic auto coverage. It is also known as a dollar-a-day car insurance or dollar-a-day auto insurance. This plan is meant for drivers on a tight budget. It mainly helps pay for emergency care after an accident. It does not cover car repairs or damage to other vehicles.
If you want something more temporary, car insurance for a day is your best bet. One-day car insurance is for drivers who need to obtain coverage for several days at most. It is used for testing a vehicle or borrowing or renting a car for limited periods. You can try to shop around for cheap dollar-a-day car insurance or cheap 1-day car insurance to see if it is for you.
What Dollar-a-Day Car Insurance Covers
The healthcare coverage included in dollar-a-day insurance protects policyholders during medical catastrophes caused by car accidents with a minimal fee.
Batman takes on The Joker and The Riddler. Jake takes on home and auto. @JakeStateFarm
Art by @f_francavilla pic.twitter.com/ae1MSjydun
— State Farm (@StateFarm) March 17, 2025
Medical benefits spanning $250,000 help cover catastrophic injuries that affect the brain or spinal cord so victims can get the critical care they need. This policy, often called 1$ a day insurance or 1$ a day car insurance, also includes a $10,000 death payment benefit for beneficiaries after a fatal accident.
How to Apply for Dollar-a-Day Car Insurance
New Jersey residents interested in obtaining Dollar-a-Day Car Insurance need to complete the following process.
#Step 1: Check Your Eligibility
To be eligible for enrollment, you must receive hospitalization benefits under the Medicaid program. New Jersey applicants must have a valid driver’s license that matches their identity. You also need to own a registered vehicle in New Jersey.
Remember, you will have to pay a fine if you are driving without a license.
If you are wondering how much is a ticket if you are driving without a license? The answer is it depends with the state, but expect to pay up to $2500.
#Step 2: Find an Authorized Insurance Provider
Head to either of the New Jersey insurers approved for SAIP insurance. To locate a provider for a Personal Auto Insurance Plan, call the toll-free number at 1-800-652-2471. Online research will show you agencies that allow Dollar-a-Day insurance applications through their websites.
Learn More: Best Car Insurance in New Jersey
#Step 3: Finish Your Application
When submitting your application, you must present a Medicaid ID and a valid driver’s license. But what if you don’t have a license? You might wonder, can I get car insurance with no license? Some insurance companies may offer options, but it depends on their rules.
Customers must select between a single payment of the $365 annual premium or dividing the sum into two separate payments. Recipients will get their policy after successful approval, which provides basic medical benefits during an accident.
Dollar-a-Day Insurance New Jersey
Simply put, dollar-a-day insurance coverage is a government insurance plan that allows you to drive legally for only $365 a year.
While New Jersey offers the most affordable dollar-a-day car insurance with great benefits, which is officially called the Special Automobile Insurance Policy, or SAIP, similar plans are also available in other states.
SAIP insurance does not meet New Jersey's minimum auto insurance requirements as it offers no liability coverage.Michelle Robbins Licensed Insurance Agent
Still, it may vary depending on the state and local regulations and the insurance providers operating these. By entering your zip code, you can check if the best dollar-a-day providers are available directly in your area.
SAIP coverage is extremely limited, but it does provide proof of insurance so that you can drive legally. However, SAIP insurance does not meet New Jersey’s minimum auto insurance requirements as it offers no liability coverage to pay for injuries or damages to others.
SAIP coverage only covers emergency treatment for the policyholder immediately after an accident and additional medical treatment for critical brain and spinal cord injuries up to $250,000.
There is also a $10,000 death benefit paid out to the policyholder’s family should they die in a collision.
Special Automobile Insurance Insurance Policy
SAIP is meant for New Jersey drivers who are at risk of driving without coverage because of financial struggles. This low-cost option is sometimes called the NJ $1 a day car insurance or New Jersey dollar-a-day insurance.
To qualify for this policy, you must be currently enrolled in Federal Medicaid with hospitalization. Not all Medicaid plans are eligible. The best way to know if you qualify is to ask an insurance producer. They can check your eligibility using the number on your Medicaid ID card.
You can apply for the SAIP at most insurance agencies. If you’re unsure where to start, contact the Personal Automobile Insurance Plan (PAIP) at 1-800-652-2471. Since January 1, 2011, the National Continental Insurance Company has provided these policies.
The full cost of the policy is $365 per year. If you pay it all at once, it costs $360. If you prefer to split the payment into two, the total is $365.
This type of temporary car insurance in NJ offers limited but important coverage. It pays for emergency medical treatment right after a car accident. It also covers severe brain and spinal cord injuries, up to $250,000. If the accident results in death, the family receives a $10,000 death benefit.
SAIP won't pay for doctor visits already covered by Medicaid. It also does not include liability coverage or damage to your car.Brad Larson Licensed Insurance Agent
However, the SAIP does not cover everything. It won’t pay for doctor visits already covered by Medicaid. It also does not include liability coverage or damage to your own car. This policy won’t pay for those costs if you hit someone or damage your vehicle. If this is not for you check out our article for the cheapest car insurance companies and compare quotes.
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Exploring Affordable Insurance Options
If you’re looking for dollar-a-day insurance near NJ, the Special Automobile Insurance Policy offers an affordable solution for low-income individuals. Also known as dollar insurance, this government program is specifically designed to help those enrolled in Medicaid with hospitalization, providing essential coverage at a minimal cost.
For those outside New Jersey, government auto insurance for low-income individuals may be available through different state programs. These programs help people get affordable insurance so they can have the coverage they need. How much insurance you need for your car depends on state rules and your personal situation.
In New York, temporary car insurance in NY is available for short-term needs. Whether you need to insure a car for a day or for a brief period, one-day car insurance can provide the necessary coverage. This option is ideal for scenarios such as borrowing a vehicle, taking a test drive, or relocating a car.
You can find the best rates and policies to suit your temporary insurance needs by contacting local insurance agents or using online comparison tools.
Exploring One-Day Car Insurance Options
For those considering a dollar-a-day insurance in NJ or seeking car insurance for low-income individuals, exploring cheap one-day insurance can offer flexibility and temporary coverage.
Whether you’re looking for cheap car insurance in NJ or want to compare one-day insurance options, understanding local availability, such as dollar-a-day insurance in Newark, NJ, and other dollar-a-day insurance locations in NJ, is essential.
Temporary coverage like dollar car insurance provides a cost-effective solution for short-term needs, such as borrowing a vehicle or temporary usage scenarios. Companies such as Travelers ( Travelers car insurance review) auto insurance offers this type of insurance.
One-Day Car Insurance
One-day car insurance, also called short-term or temporary car insurance, covers you for just one day. It’s great for drivers who need insurance for a short time, like when borrowing a car, taking a test drive, or moving a vehicle.
But what does car insurance cover? It depends on the policy, but it usually includes protection for accidents, damage, or injuries.
Cost of One-Day Car Insurance
The cost of one-day car insurance can vary based on factors such as the driver’s age, location, and vehicle type. Generally, the price ranges from $10 to $30 per day. For the most accurate quote, contacting insurance providers directly is best. You can also use online comparison tools to find the best rate for one-day insurance policies.
Benefits of One-Day Car Insurance
One-day car insurance is a good option if you only need coverage for a short time. It’s helpful in many situations, like borrowing a car or taking a test drive. This type of insurance gives you protection without needing a long-term policy. Here are some benefits of one-day car insurance:
- Flexibility: Provides coverage for a short period without the need for a long-term commitment.
- Convenience: Ideal for temporary use, such as borrowing a friend’s car or test-driving a vehicle.
- Peace of Mind: Ensures that you are legally covered while driving, even if only for a day.
If you are renting a car, it’s a good idea to have renters insurance. It only adds $2–$15 to your policy each month but helps cover you if there’s an accident. You might also wonder, if my car breaks down, will insurance cover a rental? That depends on your policy, so it’s best to check with your provider.
How to Get One-Day Car Insurance
Getting one-day car insurance is simple if you follow the right steps. It allows you to get coverage for a short period without a long-term commitment. Here’s how you can do it:
- Research Providers: Look for insurance companies that offer one-day car insurance policies.
- Get a Quote: Use online tools or call the providers directly to get a quote for one-day insurance.
- Provide Information: You will need to provide details about yourself and the vehicle you wish to insure.
- Purchase the Policy: Once you have found the best rate, you can purchase the policy online or over the phone.
You should receive proof of insurance after completing these steps. This type of coverage is useful for temporary needs, like borrowing a friend’s car or taking a test drive.
Read More: How to Find the Best Policy for You
One-Day Car Insurance in the USA
One-day car insurance is available in many parts of the USA.
To find a provider, you can search for “one-day car insurance near me” or contact local insurance agents for information.
Remember to verify the legitimacy of the insurance company before making a purchase.
One-Day Car Insurance Phone Number
To inquire about one-day car insurance, you can contact insurance companies directly. Most providers have dedicated phone lines for customer service and quotes. Ensure you have all the necessary information on hand before calling to speed up the process.
Comparing One-Day Car Insurance and Dollar-a-Day Insurance
While one-day car insurance provides short-term coverage, dollar-a-day insurance, such as dollar-a-day car insurance in New Jersey, offers minimal coverage for a longer period at a low cost. Here’s how they compare:
- Dollar-a-Day Insurance in NJ: Available only to those enrolled in Medicaid with hospitalization. It costs $365 per year and offers limited coverage.
- One-Day Car Insurance: Available to all drivers for short-term needs. Costs vary based on several factors but are generally higher per day than dollar-a-day insurance.
Both options serve different needs. Dollar-a-day insurance suits low-income drivers who qualify but only provides basic coverage. One-day car insurance is more flexible and works well for temporary situations, like borrowing a car or taking a road trip. Before choosing, consider how long you need coverage and what protection you require.
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Dollar-a-Day Insurance Options
Dollar-a-day insurance is a low-cost option for some drivers, but it is not available everywhere. It is designed to help people who have Medicaid and need basic coverage. If you live in New Jersey, you may qualify for this program. Here’s what you need to know:
- Dollar-a-Day Insurance in NJ: Known as the Special Automobile Insurance Policy (SAIP), it’s designed for low-income drivers in New Jersey.
- Dollar-a-Day Insurance in PA: As of now, dollar-a-day insurance is not available in Pennsylvania.
- Finding Dollar-a-Day Insurance Near Me: You can search online or contact local insurance agents to see if you qualify for dollar-a-day insurance in your area.
Even though dollar-a-day insurance is not available in Pennsylvania, you can still find cheap insurance there. Companies like State Farm and Geico offer the best car insurance in Pennsylvania.
To qualify for $1-a-day car insurance with Medicaid, you must be enrolled in a Medicaid program that includes hospitalization. This low-cost insurance is specifically designed for drivers who are struggling to afford traditional car insurance.
If you are looking for car insurance in NJ 07107, it’s essential to compare different policies and providers to find the best coverage and rates. Whether you need a dollar-a-day insurance policy or traditional car insurance, make sure to review the coverage options and choose the one that best fits your needs.
By understanding the various car insurance options available, including one-day car insurance and dollar-a-day insurance, you can make an informed decision that meets your specific requirements and budget.
Dollar-a-Day Insurance: Affordable Coverage for Low-Income Individuals
This is a cost-effective option for individuals seeking affordable coverage. While it provides essential benefits, it is also important to understand the different types of coverage available. This type of policy offers minimum liability coverage, which covers medical expenses and damages for the other party in the event of an accident.
Dollar-a-Day Car Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $12 | $29 |
| $19 | $39 |
 | $14 | $35 |
| $20 | $44 |
| $13 | $26 |
| $18 | $42 |
 | $16 | $33 |
| $31 | $93 |
| $24 | $50 |
 | $22 | $48 |
However, it usually doesn’t cover repairs for the vehicle or any additional medical costs for you, which can be a drawback. The key benefit of dollar-a-day car insurance is its affordability, making it a viable option for low-income drivers or those who need immediate coverage (check out cheap insurance companies that only look back 3 years).
Discounts may also be available depending on your state and eligibility, reducing the cost further.It is important to review your policy carefully, ensuring you fully understand the coverage limits and offered benefits. If you’re seeking $1 car insurance or a dollar-a-day car insurance in NJ, the Special Automobile Insurance Policy (SAIP) offers minimal coverage at a low cost.
Government Car Insurance for Low-Income Individuals: Options and Availability
For those seeking government car insurance for low-income individuals, options like low-income car insurance in NJ, low-income car insurance in Texas, and low-income car insurance in Florida cater to specific state programs. These programs often intersect with Medicaid car insurance requirements, providing essential coverage for qualifying individuals.
Exploring same-day car insurance policies near me or government car insurance for low-income individuals ensures accessibility and affordability when temporary or affordable car insurance in New Jersey is needed. For broader coverage needs, considering countrywide auto insurance quotes can offer comprehensive options beyond state-specific programs.
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Discounts in Dollar-a-Day Plans: Maximizing Your Savings
Dollar-a-day plans offer limited but essential coverage at a low cost, particularly for low-income drivers. If you’re not familiar with how car insurance works, these plans provide basic protection, mainly for medical costs after an accident.
Car Insurance Discounts From the Top Providers in Dollar-a-Day
| Insurance Company | Available Discounts |
|---|---|
| Bundling Discount, Claim-Free, Autopay |
| Multi-Line, Loyalty, Claims-Free |
| Bundling Discount, Agricultural Discounts |
| Multi-Line, Family Discount, Loyalty |
| Multi-Vehicle, Online Quote, Membership |
| Online Purchase, Early Sign-Up, Bundling Discount |
| Bundling Discount, Safe Driver, Early Signup |
| Bundle Savings, Bundling Discount, Loyalty |
| Safe Driver, Auto-Pay, Multi-Line |
| Bundling Discount, Safe Vehicle, Claims-Free |
Policyholders can access exclusive discounts, such as a low-mileage discount, which lowers your premium if you drive less than a certain number of miles each year. Beyond discounts, drivers can save by opting for a higher deductible, which lowers the monthly payment. These strategies can ensure that policyholders get the best savings without sacrificing essential coverage.
Qualifications for Dollar-a-Day Insurance Coverage
Dollar-a-day insurance coverage is extremely limited, so even if you qualify, you will not be well-protected. However, if you have no other option and cannot find affordable auto insurance in New Jersey or in your area, dollar-a-day insurance coverage will allow you to drive legally.
According to the state of New Jersey, in order to qualify for dollar-a-day insurance, you must be an uninsured driver in New Jersey. If you already have car insurance coverage, you won’t qualify.
Dollar-a-day car insurance is affordable, but check coverage limits to ensure it meets your needs.Eric Stauffer Licensed Insurance Agent
Secondly, you and anyone on the policy must be enrolled in a Medicaid program that includes hospitalization. Other Medicaid programs will not make you eligible.
However, if you become unenrolled in Medicaid, your dollar-a-day insurance policy will continue until your next renewal (one year). At that point, you will have to find another policy.
And finally, your license and registration must be in good standing, that is, not suspended or revoked. Otherwise, you will not be eligible.
If you meet these requirements, then you should be able to qualify for dollar-a-day insurance coverage. If not, check out our New Jersey car insurance guide for the cheapest rates and best companies. (For more information, read our “Best Cheap Car Insurance Companies“).
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?”
Now that you know all about dollar-a-day insurance coverage, enter your ZIP code into our free comparison tool below to find affordable dollar-a-day car insurance quotes in your area.
Frequently Asked Questions
Who usually has the cheapest car insurance in the USA?
The cheapest car insurance providers in the US are often companies like Geico, State Farm, and Progressive (progressive car insurance review), which offer low-cost policies depending on factors like location and driving record.
What is the cheapest level of car insurance?
The cheapest level of car insurance is minimum liability coverage, which, as required by most states, only covers damages and medical costs for the other party in an accident.
What is the most popular car insurance in the US?
State Farm is the most popular car insurance provider in the US, offering a range of coverage options and discounts.
How much does 1-day car insurance cost?
So, how much is 1-day car insurance? One-day car insurance typically costs between $10 to $30, depending on factors such as your age, location, and the type of vehicle you need to insure.
How to apply for dollar-a-day car insurance?
To apply for dollar-a-day car insurance (SAIP) in New Jersey, you must be an uninsured driver enrolled in a Medicaid program that includes hospitalization. Contact your local insurance agent or visit the New Jersey Department of Banking and Insurance website for more details.
What does dollar-a-day insurance cover?
Dollar-a-day insurance (SAIP) covers emergency medical treatment immediately following an accident, as well as additional medical expenses related to critical brain and spinal cord injuries up to $250,000. It also provides a $10,000 death benefit in case of fatal collision.
What is dollar-a-day insurance?
Dollar-a-day insurance, officially known as the Special Automobile Insurance Policy (SAIP), is a government-sponsored car insurance program in New Jersey. It provides minimal coverage at a low cost, primarily for uninsured drivers who are enrolled in Medicaid with hospitalization.
Who has the cheapest car insurance in Texas?
The cost of car insurance can vary widely based on individual circumstances and the provider. To find the cheapest car insurance in Texas, consider using online comparison tools to compare quotes from different companies.
How much does one-day insurance cost?
So, how much is one-day car insurance? One-day insurance costs between $10 to $30, depending on various factors such as your location, age, and the type of vehicle you need to insure. Contact insurance providers directly for accurate pricing.
How do you apply for low-income auto insurance?
To apply for low-income auto insurance, check with your state’s insurance department or local insurers who offer such programs. Requirements and availability can vary, so it’s best to inquire directly with insurance providers.
How to get cheap temporary car insurance?
To get cheap temporary car insurance, compare quotes from multiple insurance providers. Consider factors like coverage options, deductibles, and discounts that may apply. Online comparison tools can simplify this process.
How do I lower car insurance in NJ?
To lower car insurance costs in New Jersey, increase your deductibles, maintain a good driving record, bundle policies, and explore discounts offered by insurers. It’s also important to understand the factors that affect the price of car insurance, such as your age, driving history, and the type of car you drive. Shopping around for quotes from different providers can also help find competitive rates.
How much is $1 dollar-a-day insurance in New Jersey?
$1 dollar-a-day insurance in New Jersey costs $365 a year. You can also choose to pay $360 upfront. This day-by-day car insurance is meant to help low-income drivers get basic medical coverage after an accident.
What does dollar-a-day car insurance cover?
Dollar-a-day car insurance covers emergency medical care right after an accident. It also pays for severe brain and spinal injuries, up to $250,000, and includes a $10,000 death benefit. You might also be wondering, what doesn’t dollar-a-day insurance cover? It doesn’t pay for car repairs, damage to other people’s property, or regular doctor visits.
What states have dollar-a-day insurance?
New Jersey is the only state that offers a “dollar-a-day” car insurance program, officially known as the Special Automobile Insurance Policy (SAIP). While no other states have an identical program, some, like California, offer similar initiatives to assist low-income drivers in obtaining affordable auto insurance.
Read More: Best Car Insurance in California
Can I get auto insurance in one day?
Yes, you can get auto insurance in one day. Many insurance companies offer same-day coverage, especially if you apply online or by phone. It’s a good option for quick coverage for a new or borrowed car.
How much is low-income car insurance in New Jersey?
Low-income car insurance in New Jersey, like the dollar-a-day policy, costs $365 a year or $360 if you pay all at once. It’s made for people on Medicaid who need basic coverage. This plan helps with emergency medical care after an accident.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.