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Company Trusted For Over 25+ Years*
New Jersey’s Special Automobile Insurance Policy (SAIP), commonly known as $1 a day car insurance, offers affordable coverage for low-income residents enrolled in Medicaid. Designed to reduce the number of uninsured drivers, this program provides essential protection at a low cost of approximately $1 per day. At Good to Go Insurance, we help New Jersey drivers explore this option or find other affordable car insurance in NJ if they don’t qualify.
The SAIP, or Dollar-a-Day Insurance, is a state initiative aimed at helping low-income New Jersey residents afford car insurance. Exclusively for Medicaid-enrolled drivers, it ensures legal coverage at a minimal cost. This program has enabled thousands of drivers who might otherwise drive uninsured to stay compliant with New Jersey auto insurance laws. However, eligibility is limited, and not all Medicaid recipients qualify.
To be eligible for the SAIP program, applicants must meet the following criteria:
To verify eligibility, bring your driver’s license, vehicle registration, and Medicaid ID card to a local insurance office. An agent can confirm your status by checking your Medicaid ID number, a process that takes just minutes. If you’re ineligible, explore other low-income car insurance options with Good to Go Insurance.
Applying for the NJ $1 a day insurance program is straightforward:
Upon policy renewal, you must verify continued Medicaid enrollment. If you lose Medicaid eligibility during the policy term, coverage remains valid until expiration but with limited benefits.
The SAIP program costs $365 annually, or roughly $1 per day. Pay the full amount upfront for a $5 discount, reducing the cost to $360 per year. Alternatively, you can opt for two semi-annual payments of $182.50. This affordability makes SAIP a game-changer for eligible drivers seeking no-deposit car insurance.
The SAIP provides essential medical coverage, including:
Limitations: SAIP does not cover vehicle damage, property damage, or liability for damage to others. For broader protection, consider adding comprehensive or collision coverage. Additionally, drivers with suspended licenses or DUI convictions are ineligible, so ensure your license is active before applying.
If you don’t qualify for SAIP, you can still find affordable coverage through Good to Go Insurance. Our platform offers fast auto insurance quotes starting as low as $39 per month for qualified drivers. Compare up to 10 quotes from regional and national carriers in just minutes to save up to 40% on premiums. Whether you need liability-only insurance or full coverage, we’ve got you covered.
For over 20 years, Good to Go Insurance has helped New Jersey drivers secure low-cost coverage tailored to their needs. Whether you’re exploring SAIP or other options, our free, no-obligation quotes make it easy to find the best rates. Apply online using your smartphone or computer in just 4–5 minutes. Start now and see how much you can save on online car insurance today!
Eligible drivers must be New Jersey residents, enrolled in Medicaid with hospitalization coverage, uninsured, and hold a valid driver’s license. Check eligibility with your Medicaid ID at a local insurance office.
No, SAIP only covers emergency medical care up to $250,000 and a $10,000 death benefit. For vehicle damage, consider full-coverage insurance.
If ineligible, compare cheap NJ car insurance options with Good to Go Insurance, with rates as low as $39/month.
Yes, you can pay $365 annually or two semi-annual payments of $182.50. A $5 discount applies for full upfront payment, reducing the cost to $360.
Don’t wait—get your free instant car insurance quote today and drive legally with affordable coverage!