Government Auto Insurance Programs

California Low-Cost Automobile Insurance Program

The state of California offers the California Low-Cost Automobile Safeway auto insurance


Program. The program was initiated in 2000 in Los Angeles and San Francisco. In 2005, the state legislature approved the extension of this program to Alameda, Riverside, San Bernardino, Orange, Fresno and San Diego; this extension took effect in April of 2006. At the same time, the state’s Insurance Commissioner was granted the ability to extend the program to any other county in need. According to the terms of CLCA, the state of California would insure a driver for up to $10,000 of bodily wound per person and up to $20,000 per accident. The state grants up to $3,000 of property damage coverage per accident as well.
In order to qualify for CLCA, a driver have to be at least 19 years old and have held a driver’s license for three years. The driver’s car have to be worth $20,000 or less. The person have to be a good driver with no convictions and one point or less listed on her driving record. The applicant have to also meet the revenue requirements.

Maryland Auto Insurance Fund

The state of Maryland also has a public automobile  Safe auto insurance program, Maryland Auto Insurance Fund. MAIF was established in 1972 with the goal of providing automobile insurance to residents of the state of Maryland who could not afford to person private automobile insurance policies. The State of Maryland can offer interested drivers an estimate of their premium online. The amount of the premium will depend on the way a driver answers the state’s questions.


MAIF pays a lowest of $20,000 per person or $40,000 per accident in situation of wound and $15,000 per accident for property damage. The same ratio applies in situation another driver conducted in the accident is uninsured.

fresh Jersey Special Automobile Insurance Policy

fresh Jersey also offers a state-run automobile insurance policy, albeit a much more limited one. It is the fresh Jersey Special Automobile Insurance Policy. In order to qualify for SAIP in fresh Jersey, a driver have to qualify for Federal Medicaid with hospitalization. fresh Jersey’s policy provides coverage only for medical care and comes with a $365-per-year price tag. fresh Jersey drivers can person SAIP at almost every automobile insurance provider in the state. The policy covers up to $250,000 in emergency medical costs resulting from an accident, as well as $10,000 death benefit. more  auto insurance for usa Top 5 Auto Insurance Companies   list