{"id":2465,"date":"2024-11-07T04:58:33","date_gmt":"2024-11-07T12:58:33","guid":{"rendered":"\/wp-site\/?p=2465"},"modified":"2025-07-15T04:01:55","modified_gmt":"2025-07-15T11:01:55","slug":"help-paying-car-insurance","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/help-paying-car-insurance\/","title":{"rendered":"How to Get Help Paying for Car Insurance"},"content":{"rendered":"\n<p><a href=\"\/car-insurance\/california\/\">California<\/a>, Hawaii, and <a href=\"\/car-insurance\/new-jersey\/\">New Jersey<\/a> all offer state programs to help people pay for their car insurance, and some local nonprofits and aid groups might be able to help you pay your car insurance bills temporarily.<\/p>\n\n\n\n<p>Even if you can\u2019t get help with your car insurance payments, there are a few ways to reduce your auto insurance premiums, including shopping around, searching for discounts, and reducing your coverage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Where-can-you-get-help-paying-for-your-car-insurance?\">Where can you get help paying for your car insurance?<\/h2>\n\n\n\n<p>In most cases, you won\u2019t be able to get outside help with making your car insurance payments. However, it\u2019s worth checking out payment assistance programs in your area before you give up on this idea.<\/p>\n\n\n\n<p>Some local nonprofits and aid groups have programs in place to help low-income people afford their car insurance payments temporarily. However, these groups usually won\u2019t be able to help any of their patrons for more than a few months since these types of programs are designed to help low-income families get back on their feet after financial hardship. Finding this type of programming can also be difficult if you don\u2019t live in an urban area.<sup data-fn=\"4e056673-4375-4f23-a50e-92ef517ab884\" class=\"fn\"><a href=\"#4e056673-4375-4f23-a50e-92ef517ab884\" id=\"4e056673-4375-4f23-a50e-92ef517ab884-link\">1<\/a><\/sup><\/p>\n\n\n\n<p>Currently, there are also three U.S. states offering low-income car insurance programs:<sup data-fn=\"f21ced97-743a-4abd-a6f7-f798bc440f89\" class=\"fn\"><a href=\"#f21ced97-743a-4abd-a6f7-f798bc440f89\" id=\"f21ced97-743a-4abd-a6f7-f798bc440f89-link\">2<\/a><\/sup><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>California<\/li>\n\n\n\n<li>Hawaii<\/li>\n\n\n\n<li>New Jersey<\/li>\n<\/ul>\n\n\n\n<p>These programs have strict eligibility requirements and offer very little coverage, but this service may be able to help you find affordable coverage if you live in one of these states.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"State-programs-to-help-with-car-insurance-costs\">State programs to help with car insurance costs<\/h2>\n\n\n\n<p>Let\u2019s take a closer look at the financial assistance programs available in California, Hawaii, and New Jersey.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">California low-income car insurance programs<\/h3>\n\n\n\n<p>California\u2019s Low-Cost Auto Insurance program was created by the California Department of Insurance to help drivers get cheaper state minimum <a href=\"\/car-insurance\/liability-car-insurance\/\">liability insurance<\/a>, coverage that is legally required for all California drivers.<\/p>\n\n\n\n<p>This government program is not free, but it is very low-cost. Depending on which county they live in, California drivers can expect to pay between $244 and $966 per year for their insurance via this program.<sup data-fn=\"518068d7-1078-4c32-a0b9-a1c4542113b0\" class=\"fn\"><a href=\"#518068d7-1078-4c32-a0b9-a1c4542113b0\" id=\"518068d7-1078-4c32-a0b9-a1c4542113b0-link\">3<\/a><\/sup><\/p>\n\n\n\n<p>When you compare the low-income program to average California car insurance costs for minimum liability and full coverage, you\u2019ll see just how beneficial this lower rate could be for low-income drivers.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Type of California insurance<\/th><th class=\"has-text-align-left\" data-align=\"left\">Average cost (monthly)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Low-income program<\/td><td class=\"has-text-align-left\" data-align=\"left\">$20\u2013$81*<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">State minimum liability<\/td><td class=\"has-text-align-left\" data-align=\"left\">$66<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Full coverage<\/td><td class=\"has-text-align-left\" data-align=\"left\">$200<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Costs vary by county; these averages may include additional discounts<\/em><\/p>\n\n\n\n<p>Because this program is only for state minimum coverage, it won\u2019t cover any damages to your own vehicle or any of your medical bills following an accident. You would need a standard car insurance policy with uninsured motorist bodily injury coverage and\/or medical payments (MedPay) coverage for your medical expenses and <a href=\"\/car-insurance\/full-coverage-car-insurance\/\">full coverage<\/a> for your vehicle\u2014none of which are required by California state law.<\/p>\n\n\n\n<p>There are several eligibility requirements for the program. You must:<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-jerry-bullet-list\"><ul class=\"bullet-list !m-0 flex list-none flex-col gap-5 !p-0\"><li class=\"flex flex-row\"><span class=\"iconify i--circle-check text-primary rotate-0 text-base mr-4 mt-1 shrink-0\"><\/span><span class=\"flex flex-col\"><span class=\"text-base\">Be at least 16 years old<\/span><\/span><\/li><li class=\"flex flex-row\"><span class=\"iconify i--circle-check text-primary rotate-0 text-base mr-4 mt-1 shrink-0\"><\/span><span class=\"flex flex-col\"><span class=\"text-base\">Have a valid California driver\u2019s license<\/span><\/span><\/li><li class=\"flex flex-row\"><span class=\"iconify i--circle-check text-primary rotate-0 text-base mr-4 mt-1 shrink-0\"><\/span><span class=\"flex flex-col\"><span class=\"text-base\">Own a car worth no more than $25,000<\/span><\/span><\/li><li class=\"flex flex-row\"><span class=\"iconify i--circle-check text-primary rotate-0 text-base mr-4 mt-1 shrink-0\"><\/span><span class=\"flex flex-col\"><span class=\"text-base\">Meet certain household income requirements, starting at $32,200 for one-person households to $66,250 for four-person households.<\/span><\/span><\/li><\/ul><\/div>\n<\/div>\n<\/div>\n\n\n\n<p>Fill out the <a href=\"https:\/\/www.mylowcostauto.com\/eligibility-questionnaire\" target=\"_blank\" rel=\"noopener\">eligibility questionnaire<\/a> to start the application process for this low-cost auto insurance assistance program.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-separator-jerry-default\"\/>\n\n\n\n<p><strong>Learn more: <\/strong><a href=\"\/car-insurance\/california\/\">California minimum car insurance laws<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-separator-jerry-default\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Hawaii low-income car insurance programs<\/h3>\n\n\n\n<p>Drivers who receive aid from Hawaii\u2019s state Department of Human Services are also eligible for the state\u2019s free auto insurance program. As long as you meet the eligibility requirements, this program is free.<\/p>\n\n\n\n<p>To be eligible for this program, you must:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Own a vehicle<\/li>\n\n\n\n<li>Have a valid Hawaii driver\u2019s license<\/li>\n\n\n\n<li>Receive Supplemental Security Income (SSI) or assistance from Temporary Assistance for Needy Families (TANF); Temporary Assistance for Other Needy Families; General Assistance; or Aid to the Aged, Blind or Disabled.<\/li>\n<\/ul>\n\n\n\n<p>You can apply through one of the <a href=\"https:\/\/humanservices.hawaii.gov\/wp-content\/uploads\/2021\/06\/DHS-1240-Final-List-of-PCs.pdf-03-2021.pdf\" data-type=\"link\" data-id=\"https:\/\/humanservices.hawaii.gov\/wp-content\/uploads\/2021\/06\/DHS-1240-Final-List-of-PCs.pdf-03-2021.pdf\" target=\"_blank\" rel=\"noopener\">state&#8217;s processing centers<\/a>.<sup data-fn=\"af25fb11-ef5d-4593-b344-0f5da6dde346\" class=\"fn\"><a href=\"#af25fb11-ef5d-4593-b344-0f5da6dde346\" id=\"af25fb11-ef5d-4593-b344-0f5da6dde346-link\">4<\/a><\/sup><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">New Jersey low-income car insurance programs<\/h3>\n\n\n\n<p>New Jersey\u2019s <a href=\"https:\/\/www.nj.gov\/dobi\/division_consumers\/insurance\/saip.htm\" data-type=\"link\" data-id=\"https:\/\/www.nj.gov\/dobi\/division_consumers\/insurance\/saip.htm\" target=\"_blank\" rel=\"noopener\">Special Automobile Insurance Policy<\/a> (SAIP) covers up to $250,000 for emergency care after car accidents or long-term care for severe brain and spinal cord injuries after a car accident. It also grants a death benefit of $10,000 if a loved one dies in a car accident.<sup data-fn=\"dfdadbe4-d4a3-47d6-9992-7adf9e2f9f31\" class=\"fn\"><a href=\"#dfdadbe4-d4a3-47d6-9992-7adf9e2f9f31\" id=\"dfdadbe4-d4a3-47d6-9992-7adf9e2f9f31-link\">5<\/a><\/sup><\/p>\n\n\n\n<p>This program is strictly for personal injury, meaning it won\u2019t cover any damages to your or another person\u2019s property. But, at just $365 per year (that\u2019s $1 per day), your New Jersey car insurance costs will be extremely low with this coverage.<\/p>\n\n\n\n<p>To qualify for this program, you must be enrolled in the federal Medicaid health care program with hospitalization benefits. You must also hold a valid New Jersey driver\u2019s license and registration.<\/p>\n\n\n\n<p>To get coverage via this program, look for an <a href=\"https:\/\/www.nj.gov\/cgi-bin\/dobi\/paip\/paipmenu.cgi\" target=\"_blank\" rel=\"noopener\">SAIP provider<\/a> or call 1-800-652-2471.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"What-should-you-do-if-you-can\u2019t-afford-car-insurance-anymore?\">What should you do if you can\u2019t afford car insurance anymore?<\/h2>\n\n\n\n<p>If you can\u2019t afford to pay your car insurance anymore, take steps to lower your premium as much as possible. If you don\u2019t pay your premium, your insurance company will cancel your policy, and you won\u2019t have coverage.<\/p>\n\n\n\n<p>If you get caught driving without insurance, you risk consequences like fines, jail time, and driver\u2019s license suspension. Letting your insurance lapse indicates to insurance companies that you\u2019re a high-risk driver, and you\u2019re likely to pay much higher insurance prices in the future as a result.<\/p>\n\n\n\n<p>You could also face other consequences, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Having to pay out of pocket for the costs of an accident you cause (car repairs, medical bills, etc.)<\/li>\n\n\n\n<li>License suspension<\/li>\n\n\n\n<li>Large fines<\/li>\n\n\n\n<li>Repossession of your car (if you have a <a href=\"\/car-loan\/\">car loan<\/a> or lease)<\/li>\n\n\n\n<li>Being required to file an SR-22 form with the state<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"How-can-you-lower-your-car-insurance-payments?\">How can you lower your car insurance payments?<\/h2>\n\n\n\n<p>If you\u2019re struggling to pay for your car insurance, try looking for a new provider. You may also be able to make changes to your current policy to bring down your insurance rate.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Shop around for a better rate<\/h3>\n\n\n\n<p>One of the best ways to find cheap car insurance is by regularly comparison shopping for a better deal. Gather quotes from several car insurance providers and compare rates to see which providers offer the coverage you need for the lowest price.<\/p>\n\n\n\n<p>Jerry has compiled a list of some of the cheapest average rates for different auto insurance policies from different providers.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Insurance provider<\/th><th class=\"has-text-align-left\" data-align=\"left\">State minimum insurance<\/th><th class=\"has-text-align-left\" data-align=\"left\">Full coverage insurance<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/reviews\/car-insurance\/aaa\/\">AAA<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$105<\/td><td class=\"has-text-align-left\" data-align=\"left\">$215<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/reviews\/car-insurance\/allstate\/\">Allstate<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$85<\/td><td class=\"has-text-align-left\" data-align=\"left\">$198<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/reviews\/car-insurance\/bristol-west\/\">Bristol West<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$158<\/td><td class=\"has-text-align-left\" data-align=\"left\">$361<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Clearcover<\/td><td class=\"has-text-align-left\" data-align=\"left\">$66<\/td><td class=\"has-text-align-left\" data-align=\"left\">$130<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">MAPFRE<\/td><td class=\"has-text-align-left\" data-align=\"left\">$66<\/td><td class=\"has-text-align-left\" data-align=\"left\">$205<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">National General<\/td><td class=\"has-text-align-left\" data-align=\"left\">$93<\/td><td class=\"has-text-align-left\" data-align=\"left\">$211<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/reviews\/car-insurance\/nationwide\/\">Nationwide<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$61<\/td><td class=\"has-text-align-left\" data-align=\"left\">$155<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/reviews\/car-insurance\/progressive\/\">Progressive<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$79<\/td><td class=\"has-text-align-left\" data-align=\"left\">$178<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Safe Auto<\/td><td class=\"has-text-align-left\" data-align=\"left\">$122<\/td><td class=\"has-text-align-left\" data-align=\"left\">$200<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/reviews\/car-insurance\/state-auto\/\">State Auto<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$58<\/td><td class=\"has-text-align-left\" data-align=\"left\">$162<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/reviews\/car-insurance\/travelers\/\">Travelers<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$59<\/td><td class=\"has-text-align-left\" data-align=\"left\">$141<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>However, your actual insurance rates will be highly personalized and might not reflect the rates you see in the table.<\/p>\n\n\n\n<p>The only way to find the best rates for you is to shop around and get insurance quotes from as many insurance companies as you can. An insurance broker like <a href=\"\/signup\/servicesplit\">Jerry<\/a> compares quotes from dozens of top car insurance companies to help you find the best rate available to you.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ask about insurance discounts<\/h3>\n\n\n\n<p>Most insurance providers offer a variety of <a href=\"\/car-insurance\/car-insurance-discounts\/\">car insurance discounts<\/a> that could save you money on your car insurance premiums. Some of the most common types of car insurance discounts include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"\/car-insurance\/safe-driver-discount\/\">Safe driver discounts<\/a><\/li>\n\n\n\n<li>Good student discounts<\/li>\n\n\n\n<li>Discounts for bundling your home and auto insurance, or your auto and renter\u2019s insurance<\/li>\n\n\n\n<li><a href=\"\/car-insurance\/military-discount-car-insurance\/\">Military discounts<\/a><\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-jerry-cta\"><div class=\"flex flex-col items-start gap-4 rounded-xl border border-zinc-200 px-12 py-8 md:flex-row md:items-center md:gap-14\"><div class=\"flex-1\"><span class=\"text-xl font-black text-gray-900\">SIMPLIFY YOUR CAR INSURANCE IN MINUTES<\/span><\/div><div class=\"flex-1\"><a href=\"\/signup\/insured?service=insurance \" class=\"bg-primary block w-full rounded-full px-14 py-2 text-center font-black text-white hover:no-underline\">Find savings now<\/a><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Increase your deductible<\/h3>\n\n\n\n<p>When you choose a <a href=\"\/car-insurance\/car-insurance-deductible\/\">car insurance deductible<\/a>, your insurance rates change accordingly. The higher your deductible, the lower your car insurance rates. Just remember that in the event of an accident, you\u2019ll be financially responsible for paying your deductible out-of-pocket.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Reduce your coverage<\/h3>\n\n\n\n<p>If you carry more than your state\u2019s minimum required car insurance coverage, reducing the amount of coverage you carry is one way to lower your rate. This can be helpful in the short term if you\u2019re struggling to pay your insurance bills. However, reducing your coverage should always be a last resort, as it leaves you vulnerable in the event of an accident.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Drive safely, and ask about telematics discounts<\/h3>\n\n\n\n<p>Are you a good driver?<sup data-fn=\"58ba117b-8494-4661-beb4-7900330b0905\" class=\"fn\"><a href=\"#58ba117b-8494-4661-beb4-7900330b0905\" id=\"58ba117b-8494-4661-beb4-7900330b0905-link\">6<\/a><\/sup> Ask your provider about installing a telematics device in your vehicle. Many insurance providers will give you discounts by electronically tracking your driving habits, and some even offer a discount for signing up.<\/p>\n\n\n\n<p>Additionally, drivers with a clean driving record are considered low-risk, whereas drivers with a lot of tickets, accidents, and other traffic violations on their record are considered high-risk. If you can keep your driving record clean over time, you\u2019ll see lower average insurance rates.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Improve your credit score<\/h3>\n\n\n\n<p>Drivers with good and excellent credit scores are consistently offered significantly better car insurance rates than their counterparts with fair and poor credit scores. Drivers with \u200b\u200bpoor credit scores between 524 and 577 pay 44% more than drivers with fair credit (710-740) and 115% more than drivers with excellent credit (823+). If you\u2019re able to improve your credit, your auto insurance rates might improve, too.<sup data-fn=\"d9b9c3d5-ee7a-4b92-a82f-e05580e8d004\" class=\"fn\"><a href=\"#d9b9c3d5-ee7a-4b92-a82f-e05580e8d004\" id=\"d9b9c3d5-ee7a-4b92-a82f-e05580e8d004-link\">7<\/a><\/sup><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-separator-jerry-default\"\/>\n\n\n\n<p><strong>Learn more: <\/strong><a href=\"\/car-insurance\/credit-based-insurance-score\/\">How insurance companies use your credit-based insurance score<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-separator-jerry-default\"\/>\n\n\n\n<div class=\"!mbs-12 !mbe-12 wp-block-jerry-faqs text-lg text-slate-500 wp-block-jerry-faqs\">\n  <!-- Title -->\n    <h2 class=\"medium-title text-black mb-1.5 pt-12 uppercase\">\n    FAQ  <\/h2>\n  \n  <!-- Accordion -->\n  \n<div class=\"max-w-screen-lg my-6 [&amp;_li:last-child]:border-b-0\">\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        How can I lower my car insurance rate fast?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>The quickest way to lower your car insurance rate is to find a different provider with a better rate. This is a quick and easy process when you use a car insurance broker app like Jerry. If you like your current provider, you can also try asking your insurance agent about any available discounts to lower your auto insurance rate.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        What is the lowest you can pay for car insurance?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>A policy that includes state minimum liability insurance will cost the least of all your car insurance options. State minimum coverage requirements vary a lot from one state to another, so check your state laws to learn more about the requirements for you.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Does not paying your insurance affect your credit?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Afailure to pay your car insurance bill can have a negative impact on your credit. This type of report will also remain on your credit for seven to 10 years, although the actual effects on your credit report will depend on your personal financial standing.<sup data-fn=\"dff237e4-a008-458c-81ca-078de8136fee\" class=\"fn\"><a href=\"#dff237e4-a008-458c-81ca-078de8136fee\" id=\"dff237e4-a008-458c-81ca-078de8136fee-link\">8<\/a><\/sup><\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n<\/div>\n\n  <!-- Contact link -->\n  <\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"sources\">Sources<\/h2>\n\n\n<ol class=\"wp-block-footnotes\"><li id=\"4e056673-4375-4f23-a50e-92ef517ab884\"><a href=\"https:\/\/lowincomerelief.com\/charities-that-help-with-car-payments\/\" target=\"_blank\" rel=\"noopener\">https:\/\/lowincomerelief.com\/charities-that-help-with-car-payments\/<\/a> <a href=\"#4e056673-4375-4f23-a50e-92ef517ab884-link\" aria-label=\"Jump to footnote reference 1\">\u21a9\ufe0e<\/a><\/li><li id=\"f21ced97-743a-4abd-a6f7-f798bc440f89\"><a href=\"https:\/\/www.forbes.com\/advisor\/car-insurance\/low-income-car-insurance\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.forbes.com\/advisor\/car-insurance\/low-income-car-insurance\/<\/a> <a href=\"#f21ced97-743a-4abd-a6f7-f798bc440f89-link\" aria-label=\"Jump to footnote reference 2\">\u21a9\ufe0e<\/a><\/li><li id=\"518068d7-1078-4c32-a0b9-a1c4542113b0\"><a href=\"https:\/\/www.ca.gov\/service\/?item=california-low-cost-auto\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ca.gov\/service\/?item=california-low-cost-auto<\/a> <a href=\"#518068d7-1078-4c32-a0b9-a1c4542113b0-link\" aria-label=\"Jump to footnote reference 3\">\u21a9\ufe0e<\/a><\/li><li id=\"af25fb11-ef5d-4593-b344-0f5da6dde346\"><a href=\"https:\/\/humanservices.hawaii.gov\/wp-content\/uploads\/2018\/09\/654.pdf\" target=\"_blank\" rel=\"noopener\">https:\/\/humanservices.hawaii.gov\/wp-content\/uploads\/2018\/09\/654.pdf<\/a> <a href=\"#af25fb11-ef5d-4593-b344-0f5da6dde346-link\" aria-label=\"Jump to footnote reference 4\">\u21a9\ufe0e<\/a><\/li><li id=\"dfdadbe4-d4a3-47d6-9992-7adf9e2f9f31\"><a href=\"https:\/\/www.nj.gov\/dobi\/division_consumers\/insurance\/saip.htm\" target=\"_blank\" rel=\"noopener\">https:\/\/www.nj.gov\/dobi\/division_consumers\/insurance\/saip.htm<\/a> <a href=\"#dfdadbe4-d4a3-47d6-9992-7adf9e2f9f31-link\" aria-label=\"Jump to footnote reference 5\">\u21a9\ufe0e<\/a><\/li><li id=\"58ba117b-8494-4661-beb4-7900330b0905\"><a href=\"https:\/\/www.progressive.com\/answers\/what-is-a-clean-driving-record\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.progressive.com\/answers\/what-is-a-clean-driving-record\/<\/a> <a href=\"#58ba117b-8494-4661-beb4-7900330b0905-link\" aria-label=\"Jump to footnote reference 6\">\u21a9\ufe0e<\/a><\/li><li id=\"d9b9c3d5-ee7a-4b92-a82f-e05580e8d004\"><a href=\"https:\/\/consumerfed.org\/press_release\/report-details-severe-credit-score-penalties-in-auto-insurance\/\" target=\"_blank\" rel=\"noopener\">https:\/\/consumerfed.org\/press_release\/report-details-severe-credit-score-penalties-in-auto-insurance\/<\/a> <a href=\"#d9b9c3d5-ee7a-4b92-a82f-e05580e8d004-link\" aria-label=\"Jump to footnote reference 7\">\u21a9\ufe0e<\/a><\/li><li id=\"dff237e4-a008-458c-81ca-078de8136fee\"><a href=\"https:\/\/www.chase.com\/personal\/credit-cards\/education\/build-credit\/does-paying-car-insurance-build-credit-history#:~:text=The%20effect%20of%20NOT%20paying%20your%20car%20insurance&amp;text=If%20you%20are%20late%20with,cards%2C%20and%20other%20credit%20products\" target=\"_blank\" rel=\"noopener\">https:\/\/www.chase.com\/personal\/credit-cards\/education\/build-credit\/does-paying-car-insurance-build-credit-history<\/a> <a href=\"#dff237e4-a008-458c-81ca-078de8136fee-link\" aria-label=\"Jump to footnote reference 8\">\u21a9\ufe0e<\/a><\/li><\/ol>\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/09\/Mariza-Morin.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/09\/Mariza-Morin.png 250w, \/wp-content\/uploads\/2024\/09\/Mariza-Morin-150x150.png 150w, \/wp-content\/uploads\/2024\/09\/Mariza-Morin-56x56.png 56w, \/wp-content\/uploads\/2024\/09\/Mariza-Morin-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Mariza Morin            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Mariza Morin is an insurance writer with over 10 years of experience in the writing and research industry. Mariza specializes in car insurance, car maintenance, and home insurance content at Jerry, and has over 600+ published articles that help readers handle everything from scheduling regular car maintenance to saving money. Before joining Jerry\u2019s editorial team, Mariza earned her Masters in Library and Information Studies from the University of Wisconsin-Madison and a B.A. in Art History and Photography from the University of Texas at Arlington.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/09\/Amy-Bobinger-1.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/09\/Amy-Bobinger-1.png 250w, \/wp-content\/uploads\/2024\/09\/Amy-Bobinger-1-150x150.png 150w, \/wp-content\/uploads\/2024\/09\/Amy-Bobinger-1-56x56.png 56w, \/wp-content\/uploads\/2024\/09\/Amy-Bobinger-1-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Amy Bobinger            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars. Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry\u2019s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>California, Hawaii, and New Jersey all offer state programs to help people pay for car insurance.<\/p>\n","protected":false},"author":19,"featured_media":64692,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"single-advice","meta":{"jerry_authors":"[{\"id\":\"300\",\"type\":\"main-author\"},{\"id\":\"4\",\"type\":\"editor\"}]","jerry_author_ids":[300],"jerry_idx_page_label":"","jerry_meta_desc":"California, Hawaii, and New Jersey all offer state programs to help people pay for car insurance.","jerry_related_posts":"[4676,705,2239]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":"[{\"content\":\"<a href=\\\"https:\/\/lowincomerelief.com\/charities-that-help-with-car-payments\/\\\">https:\/\/lowincomerelief.com\/charities-that-help-with-car-payments\/<\/a>\",\"id\":\"4e056673-4375-4f23-a50e-92ef517ab884\"},{\"content\":\"<a href=\\\"https:\/\/www.forbes.com\/advisor\/car-insurance\/low-income-car-insurance\/\\\">https:\/\/www.forbes.com\/advisor\/car-insurance\/low-income-car-insurance\/<\/a>\",\"id\":\"f21ced97-743a-4abd-a6f7-f798bc440f89\"},{\"content\":\"<a href=\\\"https:\/\/www.ca.gov\/service\/?item=california-low-cost-auto\\\">https:\/\/www.ca.gov\/service\/?item=california-low-cost-auto<\/a>\",\"id\":\"518068d7-1078-4c32-a0b9-a1c4542113b0\"},{\"content\":\"<a href=\\\"https:\/\/humanservices.hawaii.gov\/wp-content\/uploads\/2018\/09\/654.pdf\\\">https:\/\/humanservices.hawaii.gov\/wp-content\/uploads\/2018\/09\/654.pdf<\/a>\",\"id\":\"af25fb11-ef5d-4593-b344-0f5da6dde346\"},{\"content\":\"<a href=\\\"https:\/\/www.nj.gov\/dobi\/division_consumers\/insurance\/saip.htm\\\">https:\/\/www.nj.gov\/dobi\/division_consumers\/insurance\/saip.htm<\/a>\",\"id\":\"dfdadbe4-d4a3-47d6-9992-7adf9e2f9f31\"},{\"content\":\"<a href=\\\"https:\/\/www.progressive.com\/answers\/what-is-a-clean-driving-record\/\\\">https:\/\/www.progressive.com\/answers\/what-is-a-clean-driving-record\/<\/a>\",\"id\":\"58ba117b-8494-4661-beb4-7900330b0905\"},{\"content\":\"<a href=\\\"https:\/\/consumerfed.org\/press_release\/report-details-severe-credit-score-penalties-in-auto-insurance\/\\\">https:\/\/consumerfed.org\/press_release\/report-details-severe-credit-score-penalties-in-auto-insurance\/<\/a>\",\"id\":\"d9b9c3d5-ee7a-4b92-a82f-e05580e8d004\"},{\"content\":\"<a href=\\\"https:\/\/www.chase.com\/personal\/credit-cards\/education\/build-credit\/does-paying-car-insurance-build-credit-history#:~:text=The%20effect%20of%20NOT%20paying%20your%20car%20insurance&amp;text=If%20you%20are%20late%20with,cards%2C%20and%20other%20credit%20products\\\">https:\/\/www.chase.com\/personal\/credit-cards\/education\/build-credit\/does-paying-car-insurance-build-credit-history<\/a>\",\"id\":\"dff237e4-a008-458c-81ca-078de8136fee\"}]"},"categories":[],"tags":[31,619],"class_list":["post-2465","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","tag-car-insurance","tag-resource_car_insurance"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/2465","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=2465"}],"version-history":[{"count":5,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/2465\/revisions"}],"predecessor-version":[{"id":60986,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/2465\/revisions\/60986"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/64692"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=2465"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=2465"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=2465"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}