Check out step 9 on How to get affordable car insurance by Michelle V. Rafter, Contributor.
9. Investigate state-run low-cost insurance programs. If you live in California, Hawaii or New Jersey, and if your household income is close to or less than the poverty level, you may qualify for state-run low-cost or no-cost insurance programs. Policies under the California Low Cost Automobile Insurance Program, for example, cost less than $400 a year and cover about 12,000 low-income drivers at any given time, according to Doug Heller, executive director of Consumer Watchdog, an advocacy group in Santa Monica, California. He expects more people to sign up as a new state law takes effect that lets agents sell the program online for the first time. "That's important not just for people who can get online from their homes, but for agencies that provide resources for low-income families," Heller says. Lawmakers in Nevada and Michigan recently proposed or approved pilots for similar programs.