I can't afford state-minimum auto insurance, but do I have any alternatives?

I was involved in an accident where I was at fault. When it came time to renew my policy, I shopped around and the cheapest policy I could find was $300 a month. I can't afford that. Do I have any other alternatives?

Answer provided by
Eric Schad
Answered on Apr 22, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“Unfortunately, in most states, if you can’t afford car insurance, you can’t drive. Driving without car insurance is illegal in all but 48 states.
If you live in New Hampshire or Virginia, you can technically drive without car insurance, but you’ll have to pay for damages if you’re in an accident. Since you can’t afford $300 a month, chances are you’ll go bankrupt if you drive in one of these states and get into an accident without insurance.
Public transportation or a bicycle are your best alternatives here. However, you should still check out the free Jerry car insurance app periodically to see if you can find better rates.”

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