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NJSAIP | NJ 1 Dollar-A-Day Auto Insurance

Yes, New Jersey has an auto insurance policy that costs $1 a day.

NJSAIP 1 dollar a day policy help available statewide (631) 840-0027.

Help is available here for NJSAIP - $1 Dollar A Day Car Insurance (631) 840-0027.
You will need your CNN# to see if you qualify for NJSAIP.

Program Description and learn more:
NJ Department of
Banking and Insurance
20 West State Street
PO Box 325
Trenton, NJ 08625
Phone: 609-292-7272   Hotline: 1-800-446-7467

The Special Automobile Insurance Policy (SAIP) is an initiative to help make limited auto insurance coverage available to drivers who are eligible for Federal Medicaid with hospitalization. Such drivers can obtain a medical coverage-only policy at a cost of $365 a year.

The NJSAIP policy covers emergency treatment immediately following an accident and all treatment of serious brain and spinal cord injuries up to $250,000. The SAIP policy also provides a $10,000 death benefit.

The NJSAIP policy DOES NOT COVER damage you may cause to other persons or property (liability coverage), or damages to your own car (collision and comprehensive coverages). The SAIP policy also does not cover outpatient treatment (non emergency doctor visits, physical therapy, etc.).


None to apply. The insurance policy, if obtained, costs $365 per year. It can be split into tow payments.  Premium financing may be available also.

Request help and see if you are qualified for a NJSAIP Policy.

Search for a NJSAIP Producer here


General NJSAIP Policy Requirements:
Applicant must be currently uninsured.
Applicant must be enrolled in a Medicaid program that provides hospitalization. Not all Medicaid enrollees are eligible. To determine if you are eligible, bring your Medicaid ID card to a NJSAIP Certified insurance producer. Insurance producers can determine eligibility by contacting Medicaid.

Areas Served

All of New Jersey

Language Translation Services

Not available

Further Information

Please note that the State of New Jersey does not subsidize the premiums for the NJSAIP Dollar-a-Day program.

What does it cost?
The policy currently costs $365 per year.

Do I pay for this insurance all at once, or can I make payments?
The policy costs $360 if you pay up front or $365 in two installments. Premium Finance is available in most cases.

What does NJSAIP POLICY cover?
Emergency treatment immediately following an accident and treatment of serious brain and spinal cord injuries up to $250,000. It also provides a $10,000 death benefit.

What doesn’t it cover?
Outpatient treatments such as doctors’ visits covered by Medicaid, damage you may cause to other persons or property (liability coverage), or damages to your own car (collision and comprehensive coverages).

Will my NJSAIP policy be cancelled if my Medicaid benefits are discontinued?
The applicant must demonstrate enrollment in Medicaid when the policy is first written and at each renewal. If the insured is no longer enrolled in Medicaid during the policy term the policy will not cancel, but the insured will receive only the limited benefits of the policy.

If more than one driver in the house is on Medicaid, can they all get the NJ Special Automobile Insurance Policy?
The policy only covers those enrolled in Medicaid. If there is one car and several people in the household enrolled in Medicaid, they can all be covered by the same policy. However, there can only be one car per policy.

Can I get NJSAIP policy if I have a bad driving record?
You cannot get a policy if your driver’s license or registration is revoked or suspended.

What do I need to bring when I apply for a NJSAIP policy?
In addition to driver’s licenses for all operators of the vehicle to be insured and the vehicle’s registration, you need to bring a Medicaid identification card that shows that all persons to be covered under the policy are enrolled in Medicaid.