EBT Car Insurance in 2025: Can You Really Get a Discount?
Last week, my cousin in Fresno called me, super excited. She’d just found out she could get a discount on her car insurance—just because she’s on EBT. At first, I was like, “No way that’s real.” But after digging in? It is real, and if you’re getting SNAP or EBT benefits, there are legit ways to lower your monthly car insurance.
Let’s break it all down in plain English—what EBT car insurance actually means, where you can get it, and how to apply.
What Is “EBT Car Insurance”?
There’s no special insurance company just for EBT users. But many car insurance providers offer low-income discounts, and people receiving EBT/SNAP, Medicaid, or WIC often qualify.
Some states even have government-backed programs that help reduce the cost of car insurance if you meet income guidelines.
So if you’re using an EBT card, you may be eligible for:
- Lower premiums from select providers
- State-run low-cost insurance programs
- Usage-based plans that reward low-mileage or safe driving
States That Offer Help or Discounts for EBT Users
| State | Available Program or Option |
|---|---|
| California | Low Cost Auto Insurance Program (CLCA) — designed for low-income drivers (incl. EBT users) 📎 |
| Texas | Some providers offer low-income discounts with proof of EBT or Medicaid |
| Florida | Private insurers may offer flexible rates for SNAP/WIC participants |
| Illinois | Discounted liability-only options for low-income drivers |
| New York | State offers various assistance programs that may qualify EBT users for aid |
Even if your state isn’t listed, it’s worth asking your insurer directly.
How to Apply for EBT Car Insurance Discounts
- Gather Proof of Benefits
- EBT card, SNAP award letter, or Medicaid documentation
- Call or Email Insurance Providers
- Ask: “Do you offer low-income or EBT-based discounts?”
- Compare Rates
- Don’t just take the first offer. Use comparison sites to check prices.
- Ask About Usage-Based Plans
- These track how much you drive and can reduce your rate significantly.
Pro Tips Most People Don’t Know
- Bundle with Renters Insurance – Many companies give discounts if you combine renters + auto
- Use Telematics – Apps like “Snapshot” (Progressive) or “Drive Safe & Save” (State Farm) track driving and give discounts
- Mention Low-Income Status – Some agents won’t offer unless you ask directly
Top Providers to Ask About EBT-Related Discounts
| Company | Discount Options for EBT/SNAP Users | Website |
|---|---|---|
| Geico | Ask about low-income and special circumstance programs | geico.com |
| State Farm | Safe-driver discounts + Drive Safe & Save | statefarm.com |
| Progressive | Snapshot program + potential low-income plans | progressive.com |
| Infinity | Specializes in non-standard drivers (great for low-income) | infinityauto.com |
| CLCA (California only) | Official state-run low-cost insurance | mylowcostauto.com |
FAQ: EBT Car Insurance
Is there a company that only serves EBT users?
No, but many offer discounts if you receive EBT or Medicaid.
Do I have to tell them I’m on benefits?
Yes—politely let them know and ask if you qualify for a low-income rate.
What’s the cheapest EBT-friendly insurance?
In California, the CLCA program can be as low as $25/month. In other states, it varies by provider.
Final Thoughts
If you’re using EBT, you’re not alone—and you deserve affordable car insurance just like anyone else. There’s no shame in asking for help or finding a discount. In 2025, with rates going up everywhere, every dollar saved counts.
So grab your EBT card, make a few calls, and see how much you can save. You might be surprised.
Sources
| Source | Description | Link |
|---|---|---|
| California Low Cost Auto (CLCA) | State-run car insurance for low-income | mylowcostauto.com |
| ValuePenguin | Low-income car insurance insights | valuepenguin.com |
| The Balance | Auto insurance discount programs | thebalancemoney.com |
| Progressive Snapshot | Usage-based discount program | progressive.com/snapshot |
Let me know if you want this article translated into Bangla or tailored for a specific U.S. state (like “EBT car insurance in Florida” or “Texas”).
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Md Emran Khan is a passionate news writer and digital content creator focused on delivering clear, insightful, and timely updates on finance, technology, and current events. With a knack for breaking down complex topics into engaging stories, Emran aims to keep readers informed and empowered to make smart decisions. Based in USA, he blends global trends with local perspectives to bring a fresh voice to the news landscape.