When it comes to determining premiums for car insurance, companies look at a variety of different elements. From the type of car, to the color of the car, and even the sex of the driver, car insurance companies carefully examine each element to determine how much it will cost to be insured. Even if there are no government car insurance programs in your state, it may still be possible to save money on car insurance by driving less, purchasing a car that is less expensive to insure, and keeping your vehicle in low crime zones.


It’s difficult to tell whether or not government car insurance is to be a nationwide phenomenon or simply a program offered on a state to state basis. The necessity for car insurance means that in order to save money, know the state laws and find ways to save money on car insurance without relying on subsidies. The government may not be able to help you save money on insurance, but almost all companies offer ways to lower your premiums and save money on coverage and protect your family and assets.

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A relatively new phenomenon and topic in the insurance world, many have heard rumors of government car insurance that would allow certain people to receive subsidies on their car insurance.  In reality, a successful California program was put in place to regulate the prices of car insurance, but was handled by insurance companies. Different states have different laws in regards to the issue, and many states have yet to form a government car insurance program. For the few states that do offer this option, lower income families may be able to receive subsidies on their car insurance and receive what is known as a Low Cost Automobile insurance program or LCA.

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Not everyone qualifies for a LCA, but many of the programs allow for insurance to be held on cars for under $400 per car per year. Designed to benefit lower income families, most states that offer this option have a site to indicate whether or not a family qualifies for it. Usually there is an application process with strict requirements needed to be eligible for the discount. Many of these sites will provide the user with a step by step process for signing up as well as guidelines as to whether or not they can receive the discount.


Other than a few government programs that offer car insurance, there are some non-profit organizations such as the APAC that allows low income families to receive discounts on pricy car insurance. In order to find out if your family qualifies for government car insurance, it is necessary to read up on all the potential discounts that families are allowed to receive. The LCA program in California is the most well known form of government car insurance, and few others have yet to be widely popularized or documented. Since each state operates differently regarding the minimum amount of insurance to be considered legal to drive, each program will vary greatly.