NJSAIP NJ Special Automobile Insurance Policy

NJSAIP is based on your Medicaid Status.

The State of New Jersey Special Automobile Insurance Policy (SAIP) is a ongoing initiative to help make limited auto insurance coverage available to NJ Medicaid eligible drivers who are determined to eligible for Federal Medicaid with hospitalization. Such drivers can obtain a medical coverage only policy and a valid NJ insurance ID card for $365 for the year. The NJSAIP offers payments options also.

The NJSAIP policy covers emergency treatment immediately after 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.

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


None to apply. The insurance policy, if obtained, costs $365 per year. A payment option and premium finance is an available option.

NJSAIP Eligibility:

General 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 an NJSAIP state certified insurance producer. Insurance producers can determine eligibility by contacting Medicaid.

Get help verifying your eligibility from NJSAIP Certified Producers by using our short contact form. After you submit your information a NJSAIP Producer will be in touch shortly.

See if you are qualified for NJSAIP.

NJSAIP Contact Form
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If more than one driver in the house is on Medicaid, can they all get the 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 a 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 this 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.

Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.

If you have questions about NJ Auto Insurance visit the official page for NJ consumers.