Archives: Rides

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For many people, a dependable vehicle is more than just a convenience—it's an absolute necessity.. But if you are struggling financially, buying a vehicle or repairing the one you have is simply out of reach.

Thankfully, there are some good charities that recognize this need and have created ways to get low-income people the transportation they need.

In addition to these resources, navigating the logistics of obtaining a vehicle often involves understanding how to safely and affordably transport a car from one location to another. Whether you’re receiving a donated vehicle from out of state or relocating for a new opportunity, a comprehensive guide to car shipping services can help you make informed decisions.

In this post we break down:

• Help for those who need a free car
• FreeCharityCars.org
• OnlineCarDonation.org
• Cars 4 Heroes
• Good News Garage (Vermont and Massachusetts)
• Vehicles for Change (Maryland and Virginia)
• Cars for Moms
• Wheels from the Heart (Florida)
• Working Wheels (North Carolina)
• National Auto Body Council Recycled Rides
• Working Cars for Working Families
• Churches and other local orgs
• Local car dealerships
• Local charities
• FAQs about getting a free car

Help for those who need a free car

Fortunately, there is help for those who need a free car. There are income-based qualifications for these free car programs that include:

• Income based on federal poverty level
• Family situation (children, medical needs)
• Military and veterans
• State-specific programs

If you need a car loan but have very low — or no — credit, a repossession or bankruptcy, check out Auto Credit Express. A+ Better Business Bureau rating, 30-second pre-approval and cash within 24 hours.

If you're ready to buy a car, but you have low or no credit, Auto Credit Express is a quality lender:

• Better Business Bureau rating of A+
• In business since 1999
• For new or used cars
• Auto loans and refi for buyers who have low or no credit, or who have gone through bankruptcy or had a vehicle repossessed
• Pre-approval within 30 seconds

24 hours to a car loan with Auto Credit Express >>

FreeCharityCars.org

FreeCharityCars.org is the free car division of 1-800-Charity Cars, a nonprofit organization that accepts donated vehicles to be given to families who are without transportation. The organization has been featured on Oprah, Good Morning America and in People magazine. The company has gifted more than $70 Million worth of vehicles nationwide.

How to qualify for a donated car from FreeCharityCars.org

Free Charity Cars gives away donated cars throughout the United States to those in need, including:

• Domestic violence victims (the application is not made public and is only viewable for staff) 
• The medically needy
• Victims of natural disasters
• Families transitioning from public assistance to work
• Families living in transitional living shelters
• The working poor
• Nonprofit organizations
• Military families

Those interested in applying for a free car from Free Charity Cars can complete the vehicle request form on the website, which requires applicants:

• U.S. resident 
• 18 years old
• Have a valid driver’s license
• Be at or below 200% of the federal poverty level
• Have a genuine need for a vehicle (meaning you lack any sustainable transportation)
• Have access to a computer and internet service
• Have the financial means to pay for tags, title, emissions, insurance, etc.
• Be available to pick up the vehicle as soon as the process is complete and the vehicle is ready for pick up
• Take financial responsibility for maintaining insurance and upkeep on the vehicle once awarded

OnlineCarDonation.org

OnlineCarDonation.org, part of the WithCauses.org network, is a nationwide charity that provides free vehicles to individuals, families, and organizations in need. They gift vehicles to:

• Women who have been victims of domestic violence
• People with physical challenges (yet still retain the ability to safely drive a vehicle)
• Families living in homeless shelters 
• “Self supporting families” making the move from public assistance
• Military Families (those with loved ones on Active Duty and Veterans of the Armed Forces

How to apply for a free vehicle from OnlineCarDonation.org

1. Visit the OnlineCarDonation.org website and navigate to the application section
2. Choose between the Individual or Organization application form, depending on your situation
3. Complete the application form with detailed information about your circumstances and need for a vehicle
4. Submit your application and wait for a response—the organization reviews each request on a case-by-case basis

Key points to remember:

• Only selected applicants will be contacted, typically within 30 days
• Applications are valid for 30 days—if you don't hear back within that time, you can reapply
• The organization prioritizes phone lines for vehicle donors, so applicants are asked not to call about their vehicle needs
• If selected, be prepared to cover costs for tags, title, emissions, and insurance

Cars 4 Heroes

Cars 4 Heroes is a registered nonprofit that provides free vehicles to veterans, active-duty military, first responders, and their families if they do not have the means to obtain their own. They’ve also added an option for civilians and first responders to apply, saying “Are you or your family in serious need, but not a member of the military family? We care about you too!”  The charity was founded in 1996 by used car business owners Terry Franz and Mike Van Noy with the program Cars 4 Christmas and gave away six cars that year. A few years later, Terry decided to make Cars 4 Christmas his full time job, earning him the nickname “Car Santa.”

Today, the organization gives away over 300 cars a year just in the Kansas City metro area alone. Charity officials announce awarded vehicles every Monday on radio station FM 101 The Fox in Kansas City, and the organization opens the program up to everyone at Christmas.

How to qualify for a donated car from Cars 4 Heroes

Those interested in applying for a free car from Cars 4 Heroes can do so on the website.

Required information on the application includes:

• Name and contact
• Military status and service (if applicable)
• Honors and discharge
• Military ID photo
• Details about need

The application form also asks questions like:

• “How would a vehicle change the recipient's life? Why does the recipient need a vehicle?”
• “How many people does the vehicle need to accommodate?”
• “Number of children in need of a car seat

Good News Garage (Vermont and Massachusetts)

Good News Garage has donated 5,500 cars to those in need who live in Vermont and Massachusetts since its founding in 1996. The nonprofit is working to expand to New Hampshire and they encourage residents of that state to advocate for funding by writing an email or letter to their state representatives.

The charity is part of Ascentria Care Alliance, Lutheran Community Services.

How to qualify for a donated car from Good News Garage

The program awards vehicles to Vermont residents in partnership with the Department of Children and Families’ Reach Up program and to Massachusetts residents in partnership with the Massachusetts Rehabilitation Commission.

• To apply for a car in Massachusetts, you must request a referral and application from your MassAbility counselor.
  To apply for a car in Vermont,  contact your case manager at Reach Up. 
• Learn more about charities and services for moms in Massachusetts and Vermont.

Vehicles for Change (Maryland, Virginia, Washington, D.C. and Detroit, Michigan)

Vehicles for Change launched in 1999, originally serving Maryland and Virginia. They recently expanded to Washington D.C., and Detroit, Michigan, and they have provided 8,000+ cars to those in need.

The organization does not give away cars for free. Instead, the charity, which is verified by GuideStar, sells the donated cars for about $950 and sets the individual or family up with a 12-month, low-interest loan with affordable monthly payments of around $90, which in turn helps them establish credit.

The organization does not give away cars for free. Instead, the charity, which is verified by GuideStar, sells the donated cars for about $950 and sets the individual or family up with a 12-month, low-interest loan with affordable monthly payments of around $90, which in turn helps them establish credit.

How to qualify for a donated car from Vehicles for Change

Families are referred to VFC by partner agencies, including TANF agencies, domestic violence shelters, and workforce training programs. Successful applicants are guaranteed a low-interest loan, regardless of your credit history, making car ownership accessible to those who might otherwise struggle to secure financing. Each vehicle comes with a comprehensive six-month or 6,000-mile warranty, whichever comes first.

The website lists specific eligibility requirements for Maryland residents (to apply, you must still work with a sponsoring agency). To be eligible, you must:  

• Be a resident of Maryland
• Be referred by one of the sponsoring agencies
• Have a verifiable job offer or be working at least 30 hours a week
• Have a driver’s license in the state in which you reside
• Be insurable (no DWIs or DUIs)
• Not have any other vehicle in your household
• Be drug free
• Be able to cover fees for taxes, tags, and title (approximately an additional $500)
• If you are under the age of 25, you must have children
• You may need to meet additional criteria required by your sponsoring agency

For other locations, visit this page to find out what sponsoring agency you can work with.

Find more charities and services for single moms in Maryland. Virginia, Washington, D.C., and Michigan.

Cars for Moms

Cars for Moms is a nationwide charity that provides transportation, vehicles, and car repairs for single parents who need help with reliable transportation. People donate cash or cars to support single moms in need.

How to qualify for a donated car from Cars for Moms

To qualify, you need a nomination for a donated car. You can nominate yourself, or someone can nominate you.

Cars for Moms vets all nominees and checks with partners in your state to see if there are donated cars to give away. If there are no cars available, the nonprofit saves your information until they are able to help.

How to buy a secondhand car without getting ripped off.

Wheels from the Heart (Florida)

Wheels from the Heart is a nonprofit organization that provides reliable vehicles to single mothers. They currently help single moms in Florida in the following areas:

• Boca Raton
• Broward County
• Delray Beach
• Palm Beach County
• Palm Springs
• Lake Worth

How to qualify for a donated car from Wheels from the Heart

Wheels from the Heart works with specific Florida charities to identify single mothers who need transportation. Wheels from the Heart vets each nominee and adds qualified single moms to a waiting list to receive a donated vehicle.

Working Wheels (North Carolina)

Working Wheels aims to provide reliable transportation to working families, helping them access better opportunities and improve their quality of life. Their Vehicle Purchase Program offers affordable cars to eligible individuals in Western North Carolina. To qualify, you must:

• Be referred by a case manager from a partner organization
• Have a valid NC driver's license
• Provide proof of employment
• Be able to pay $628

The process involves applying through your case manager, attending a virtual orientation, and waiting 6-12 weeks (or potentially longer) for a suitable vehicle. Once a car is available, you'll need to obtain insurance before pickup.

National Auto Body Council Recycled Rides

Since the NABC Recycled Rides program started in 2007, more than 3,000 vehicles valued at $42 million ave gone to individuals, families, and social service agencies. The average value of gifted vehicles is $18,000. NABC members, including collision experts, car insurance companies, and local businesses work together to refurbish and donate reliable vehicles. This is a nationwide program.

Recently, a single father of six in Sacramento, who had been biking 16 miles roundtrip to work, was gifted with a restored 2019 Hyundai Elantra from the NABC Recycled Rides program. It was a combined effort of Caliber Collision Roseville, Travelers Insurance, and Family Promise of Sacramento:

How to qualify for a car from NABC Recycled Rides

To qualify for a car from NABC Recycled Rides, you must be referred by an NABC partner organization, such as a nonprofit or charity like the United Way. 

This program donates cars to people who:

• Have a valid driver's license and a safe, clean driving record
• Are able to get car insurance and pay for registration, title, and other fees
• Do not currently own a reliable vehicle
• Can afford fuel and service for a vehicle
• Have household income around 200% of the federal poverty level
• Are honorably discharged (if a veteran)

Contact your local charities and nonprofits to find out if they work with NABC or ask your case manager if you receive government benefits.

Working Cars for Working Families

The National Consumer Law Center’s Working Cars for Working Families program serves as a support system for low-income families and the charities that help those families with transportation.

How do they help?

• Improves consumer protection to stop abuse in car sales and finance
• Promotes nonprofit efforts to provide cars or financing to those in need
• Collects data and analysis regarding car ownership and working families

The organization publishes a comprehensive list of find-a-car programs across the nation—definitely check out to find local or regional programs that might assist you.

Churches and other local orgs

Churches have long been a place to turn to for help, and many low-income families can find assistance with transportation needs there as well. In addition to providing a car, some churches also help with car repairs and affordable vehicle loans.

Catholic Charities USA runs a vehicle donation program that benefits those struggling to afford a car. You can find your local agency on their website here.

Other faith-based organizations that can help:

Search for your local chapters of these faith organizations and inquire about help with vehicles:

• United Methodist Church
• Jewish Federation of North America
• Lutheran Social Services
• Episcopal Church
• Knights of Columbus
• The Salvation Army

Local car dealerships

Car dealerships aren’t nonprofit charitable organizations, but many of them do offer give-a-ways and promotional events, especially around the holidays. For example, Underriner Ford and Nissan of The Dalles in Oregon occasionally donate cars to deserving families in their community.¹ These initiatives are often done in collaboration with local nonprofits or United Way chapters.

To find a local dealership giveaway event, you can try the following:

• Check dealership websites and social media: Many dealerships, like Underriner Ford and Nissan of The Dalles mentioned above, announce their giveaways and events on their websites and social media pages
• Follow local dealerships on social media: This will help you stay updated on any promotional events or giveaways they might be hosting
• Sign up for dealership newsletters: Many dealerships send out email newsletters with information about upcoming events and promotions.
• Search for “car giveaway near me” online: This might help you find current or upcoming events in your area.

Chat with representatives from local dealerships and small car lot owners about what they may have to offer in terms of community and charitable events or cars they may be willing to let go of for little money.

Where can I sell my car for the most money?

Local charities

Local charities are a good resource when it comes to getting a free car. They work to build relationships with the community they serve and are able to identify people who need transportation.

Recently, the Military Warriors Support Foundation worked with a local dealership and Wells Fargo to donate a 2023 Buick Enclave to a veteran wounded in Iraq who is the father of five children who was wounded in combat:

Tips for finding local charities that may be able to help you with a free car:

• Contact your local United Way to find charities in your area that focus on transportation assistance or support for single parents.
• Contact local domestic violence shelters:Some shelters partner with organizations that provide transportation assistance to survivors.
• Search for location-specific programs: Use search terms like “free car program [your city/state]” to find local initiatives.
• Inquire at local vocational schools or community colleges: Some educational institutions have programs to help students with transportation needs.

FAQs about getting a free car

How can I get a free car from the government?

There are some federal grant programs that may provide help with the purchase of a car for people in some circumstances—USA.gov/benefitsfinder details details government programs for low-income families and individuals. By qualifying for some programs, such as child care assistance, it could free up income that could go towards a car loan.

Can Goodwill help me get a car?

The Goodwill Wheels to Work program allows low-income individuals to purchase a car for low, interest-free payments. The program is not available in all areas, however, so those interested should check with a local Goodwill Industries Headquarters.

Not eligible for a free car?

Here are more transportation-related articles:

Free gas
Free car inspections
Free car repair
Free tires
Help with repossessions
Free rides
Free bus passes
Free roadside assistance
Cash for junk cars

Some charities are focused on helping those in need find a reliable ride, including getting financing that will not leave you broke. You can also check our state-by-state guides on services for single moms to find local programs.

Need to buy a car? Start by checking your credit score, and then seeing about getting an affordable car payment.

If you're ready to buy a car, but you have low or no credit, Auto Credit Express is a quality lender:

• Better Business Bureau rating of A+
• In business since 1999
• For new or used cars
• Auto loans and refi for buyers who have low or no credit, or who have gone through bankruptcy or had a vehicle repossessed
• Pre-approval within 30 seconds

24 hours to a car loan with Auto Credit Express >>

Bottom line: There are cars for moms

Having a reliable vehicle can make your life easier, whether you use it to get to work, pick up your child, attend after-school activities events, or visit the doctor. While free car programs are limited and competitive, they offer a valuable lifeline—don't be discouraged if you don't immediately qualify or hear back from your application, stay persistent.

Need financial assistance? These posts can help:

Source:

1. “Underriner Gives ‘life saving’ Gift of a Free Car To Struggling Single Mom,” by Cole Goodwin, Columbia Community Connection. Dec. 7, 2023.

A study by U.S. News and World Report¹ found that the average annual cost of a car insurance policy is $1,547 — or about $130 per month. That number is higher in certain states or if you have multiple offenses on your driving record. 

If you rely on a car to get around, having car insurance is not only crucial but required by law in 48 states (except New Hampshire and Virginia). You could face hundreds or even thousands of dollars in fines for driving without insurance and have your license suspended. 

In this post, we’ll cover: 

Is there such a thing as free car insurance?

Government programs to help with car insurance premiums

• California’s Low Cost Auto
• New Jersey Special Automobile Insurance Policy
• Hawaii’s no-fault auto insurance

7 ways to reduce your car insurance premiums

1. Check rates from lesser-known insurance carriers
2. Shop regularly for lower rates (Emma's personal experience)
3. Increase your deductible
4. Bundle your insurance policies
5. Strip out the extras
6. Ask about safe-driving incentives
7. Look for discounts through your employer, school or organization

Charities that help with car insurance payments

How to avoid car insurance scams

Is there such a thing as free car insurance?

In most states, there is no way to get truly free car insurance (Hawaii is the exception, though coverage is very limited). However, there are a number of ways to reduce the cost of your insurance or get help with insurance payments. 

Government programs to help with car insurance premiums

Only California, Hawaii, and New Jersey have dedicated programs to assist lower-income drivers with their car insurance premiums: 

California’s Low Cost Auto (CLCA)

In place since 1999, California’s Low Cost Auto insurance program (CLCA)² provides discounted liability protection for California drivers who meet the following eligibility requirements:

• Income within 250% of the federal poverty limit
• Own a car that’s worth less than $25,000
• Have a good driving record

The cost of CLCA insurance depends on your county, age, and the length of time you’ve been a licensed driver. For example, a qualifying person over the age of 24 in Fresno County who has been driving longer than three years can pay an annual premium of $232.

CLCA covers:

• $10,000 bodily injury per person
• $20,000 bodily injury per accident
• $3,000 property damage liability per accident

Eligible households can also pay to add medical payments or uninsured motorist coverage (which covers you in the event you get into an accident with an uninsured driver):

• $10,000 uninsured motorist bodily injury per person
• $20,000 uninsured motorist bodily injury per accident
• $1,000 medical payments per person

New Jersey Special Automobile Insurance Policy (SAIP)

In New Jersey, the Special Automobile Insurance Policy (SAIP)³ is available to drivers who are eligible for Federal Medicaid with hospitalization. The coverage costs $365 per year but offers only minimal coverage, including: 

• Emergency medical costs if you are injured in an accident
• Treatment immediately following an accident
• Treatment of serious brain and spinal cord injuries up to $250,000
• $10,000 death benefit

SAIP does not cover liability costs or any damage to the policyholder’s vehicle. 

Hawaii’s no-fault auto insurance

To qualify for Hawaii’s free, no-fault auto insurance policy,⁴ an individual must meet the following conditions:

• Recipient of financial assistance payments or SSI benefits
• Possess a valid driver's license (unless you are an unlicensed permanently disabled individual who is unable to operate their own vehicle)
• Sole registered owner of the vehicle

Coverage is only free for one vehicle per household, unless you can prove that an additional vehicle is used to get to work or for transportation to a medical facility at least twice per month.

7 ways to reduce your car insurance premiums

There are a number of ways you can reduce your car insurance premiums:

1. Check rates from lesser-known insurance carriers

Insurance companies like Geico, Progressive, and State Farm are household names, but there are plenty of lesser-known and regional carriers that may offer lower rates in your area. 

Shop around to find the best rate available to you. You can also work with an independent insurance agent who can provide quotes from multiple companies and help you choose which one makes the most sense for you. 

Maximizing savings means looking at all aspects of vehicle ownership; if you need to buy or finance a car, you can find great deals and options at Save Max Auto.

U.S. News¹ put together this ranking of average annual costs by major carriers:

1. USAA: $1,022
2. Geico: $1,250
3. State Farm: $1,279
4. Travelers: $1,355
5. American Family: $1,383
6. Nationwide: $1,473
7. Progressive: $1,540
8. AAA: $1,958
9. Farmers: $2,083
10. Allstate: $2,135 

One Reddit user said that in his experience, smaller carriers are more efficient when you need to file a claim:

Comment
by from discussion
inFrugal

2. Shop regularly for lower rates

John Crist, founder of Prestizia Insurance in Dallas, recommends shopping for lower insurance rates every six to 12 months or after significant life changes, like marriage. 

“Auto insurance pricing isn’t static,” he says. “It fluctuates based on various factors, including changes in your personal driving record, the insurance company's overall claims history, and even broader economic elements.”

Crist says if you find a cheaper policy that is comparable to the one you currently have, you should contact your current insurer to see if they’d be willing to match the lower price or offer you a discount. If they won’t, switch to the lower-cost policy. 

Wealthysinglemommy.com founder Emma Johnson in May, 2025 used this tool to shop for lower car insurance premiums, which had shot up once she put her teen daughter on her long-standing Geico Policy last year.

Emma saved $1,278 for six months — or $2,556 per year or $107 per month!

The coverage was the same, except she LOWERED the deductible for both her cars from $1,000 to $500:

Old policy:

New policy:

“I feel like a moron for not shopping around sooner,” Emma said.

3. Increase your deductible

If you have the ability to cover the higher out-of-pocket cost in the event you need to file a claim, Crist says you can reduce your car insurance premium by increasing your deductible.

One Reddit user recommends putting aside any money you save into an emergency fund: 

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inFrugal

4. Bundle your insurance policies

Bundling policies, such as auto with renters or homeowners insurance, can help you save money on all of your insurance premiums.

For example, Allstate advertises that customers can save up to 25% by bundling home and auto policies.⁵

“It’s also beneficial to engage with an experienced insurance agent who can guide you through the process, helping to tailor a policy to your specific needs while uncovering opportunities for savings,” Crist says.

Buy here pay here car lots? There are better options for buying a car with no credit

Can't afford your car payment? See if you qualify to refinance for a lower payment.

Auto Credit Express is A+ rated with the Better Business Bureau:

• Average Saving:  $1,700 or $143 per month
• Minimum Credit Score: 525
• APR from 3.99%
• Loan Amounts: $5,000 – $45,000
• Vehicle Criteria: Under 10 Years/150K Miles

Get a refi quote from Auto Credit Express in 30 seconds >>

5. Strip out the extras

You may be able to lower your insurance payment by getting a barebones policy without common “extras.”

For example, you can get roadside assistance, sometimes for free, without going through your insurance company. You can also leave off extras like rental car coverage (see our posts on how to get free rides and free local bus passes).

However, Crist says there are some “must-haves” in every car insurance policy, including: 

• Liability coverage that sufficiently protects your assets in case you’re found at fault in an accident
• Uninsured/underinsured motorist coverage to protect yourself against drivers with insufficient coverage

“Ensure you understand the implications and risks before removing any coverage,” Crist says.

6. Ask about safe-driving incentives

Many insurance companies offer incentives to lower premiums, including:

• Safe-driving bonuses when you go for a period of time without filing a claim
• Discounts for completing defensive driving courses
• Devices that monitor driving habits
• Discounts for safety features like anti-theft devices

Stephen R. Hasner, managing partner of Hasner Law PC in Vinings, Ga., helps clients who have been in serious car accidents.

He says insurance companies raise premiums for higher-risk applicants because they assume they are more likely to have an accident — and need coverage — soon. Completing a defensive driving class indicates you have specialized knowledge of road safety practices. 

“It automatically lowers your perceived risk, which, in turn, translates into a cheaper, more affordable insurance rate,” Hasner says.

Reporting mileage can also lower premiums, especially for people who primarily work from home or have short commutes, Crist says.

Reddit user desertsnakes recently switched to a car insurance plan that allows for biannual mileage reporting:

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inpersonalfinance

7. Look for discounts through your employer, school or organization

You may be eligible for insurance discounts through your employer, university, credit union, or through a professional association to which you belong. 

Thanks to a partnership between an insurance provider and his employer, Reddit user baconwiches said he was able to lower his annual car insurance premium from $3,000 to $1,300:

Comment
by from discussion
inFrugal

Did you know your car could be repossessed if you're uninsured? Check out our post on what to do if your car is repossessed.

Charities that help with car insurance payments

You may be able to get temporary assistance to cover car insurance payments from local charities or churches. 

For example, North Hills Community Outreach in Pittsburgh, Pa., offers financial assistance for qualifying residents that covers: 

• Car repairs
• Gas cards
• Insurance payments
• Loan payments
• PennDOT services
• AAA memberships
• Car seats
• Public transit passes 

Search for “charities in CITY that help with car insurance payments.”

Also, check out our post on charities that help single moms and resources for free car repairs and free car seats.

How to avoid car insurance scams

When you’re shopping for car insurance, it’s important to consult third-party review sites like the Better Business Bureau and Trustpilot to make sure you’re working with a legit company with positive customer reviews. 

Insurance agent fraud occurs when an insurance agent or broker offers fake policies in exchange for premium payments, without ever setting up coverage. Agents may also add additional coverage to your policy without your knowledge to charge you a higher premium, a practice known as “sliding.”

One insurance agent in Florida⁶ was charged with writing 11 fake policies for seven people, totaling more than $122,000 worth of premium payments. 

Hasner said to look for the following signs of agent fraud:

• Rates seem too affordable. He recommends looking up the average cost of insurance in your state as a benchmark for comparison. 
• Grammar/spelling issues in the agreement. A professional insurance agency will have their contracts verified by legal professionals and proofread for accuracy. 
• The agent doesn’t cover your jurisdiction. “If an agency that offers Georgia-based insurance coverage tries selling you a policy online for, say, Utah, I'd consider that a red flag.”
• They don’t have an online presence or details they shared with you don’t add up. If the information on a person’s LinkedIn profile or website doesn’t match the information they include in their emails or texts, that agent may not actually be working for the firm they claim.

You can find licensed insurance agents through your state’s insurance license database. Just search for “YOUR STATE licensed auto insurance agents” (the website URL should end in .gov). 

Also, make sure to review your auto insurance agreement before committing to a rate to make sure you aren’t paying for coverage you don’t need.

If you’re short on cash to cover your car insurance premium, check out these posts for tips and resources to secure extra cash: 

• Government help for single mothers with low or no income
• 87 profitable side hustles
• 20+ ways to get free money to help pay bills
• 15 ways to get free money instantly
• Same-day pay jobs
• 26 easy ways to get free gift cards and other rewards
• Things to sell to make money
• Cash-back apps to scan receipts for money

If you're ready to buy a car, but you have low or no credit, Auto Credit Express is a quality lender:

• Better Business Bureau rating of A+
• In business since 1999
• For new or used cars
• Auto loans and refi for buyers who have low or no credit, or who have gone through bankruptcy or had a vehicle repossessed
• Pre-approval within 30 seconds

24 hours to a car loan with Auto Credit Express >>

SOURCES:

1. “The Average Cost of Car Insurance in the U.S.,” by John Dilmore, Jan. 30, 2024. U.S. News and World Report. https://www.usnews.com/insurance/auto/average-cost-of-car-insurance
2. “California's Low Cost Auto Insurance Program,” California Department of Insurance. https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/lca/
3. “Special Automobile Insurance Policy (SAIP),” State of New Jersey Department of Banking and Insurance. https://www.nj.gov/dobi/division_consumers/insurance/saip.htm
4. “Motor Vehicle Insurance Information,” Hawaii Department of Commerce and Community Affairs. https://cca.hawaii.gov/ins/consumers/mvi/
5. Allstate. https://www.allstate.com/landingpages/lsp/bundle-b-autohome.html
6. “Florida insurance agent faces serious charges after being accused of fraud,” Nov. 1, 2023. NBC6 and WPTV. https://www.nbcmiami.com/news/local/florida-insurance-agent-faces-serious-charges-after-being-accused-of-fraud/3147836/

According to a recent Consumer Reports survey,¹ the average cost of a new tire is $194, compared with $167 per tire in 2024. That doesn’t include the cost of installation, an average of $27.

If you can’t afford to buy new tires, the biggest challenge is finding free tires in good condition that fit your car and will last. 

In this post, we’ll show you:

Plus, I’ll share expert advice on how to make the best tire choice for the type of vehicle you have.

If you don’t qualify for financial assistance to purchase tires, Tire Agent is an A+ BBB rated online retailer that offers tire and wheel financing with:

• $0 down
• Financing up to 18 months
• No credit check

Shop tires now >>

How do you get free tires if you can’t afford them?

There are a three main ways to get free tires:

• Charities that provide financial assistance or free tires
• Programs that provide financial assistance
• Websites where people give away free items (like on Facebook Marketplace, Craigslist, or Freecycle)

Help for low-income families who need new tires or rims

Many programs that offer financial assistance such as grants or emergency cash base their eligibility criteria on the federal poverty guidelines:

These are the 2026 Federal Poverty Guidelines:

For families/households with more than 8 people, add $5,680 for each additional person.

To find programs that will help you get money for new tires or rims, get in touch with the following:

• Case workers: If you receive government benefits like SNAP or TANF, ask your case worker about programs or places you can go to get help with replacing your tires
• Nonprofits and charities: These are good places to find programs for emergency cash assistance to help with car repairs or transportation to work and school 
• Tire businesses: Some businesses offer discounts to low-income families, especially if you work as a teacher, nurse, or first responder
• Nonprofit garages: These garages offer free or affordable car repairs and installation, but you may have to purchase the parts yourself (such as tires or rims)
• Community action groups: These groups are focused on promoting self-sufficiency in their communities, including helping people get to work

And don’t forget to ask your family, friends, and co-workers about places where you can get free or affordable tires and rims. Word of mouth is a powerful resource. They may know sources that you can’t find through an online search. 

Nonprofits and charities that help with replacement tires

Some nonprofits and charities may offer programs to help you pay for tires if you meet income requirements. 

The United Way is a great place to start. Dial 2-1-1 on your landline or cellphone or visit 211.org to ask about local nonprofits or charities that provide financial assistance or help with free tires.

You can also search online for “nonprofits that help low-income families near me” or “charities that help with free tires near me” to find out what resources are available in your area. 

These are some nonprofits that may help you purchase new tires, though services vary from branch to branch: 

Catholic Charities USA

Catholic Charities serves communities all over the United States with programs that help people in need. While services vary depending on where you live, some branches offer financial assistance, including help with replacing tires.

The Catholic Charities Diocese of Arlington, Va., offers an emergency assistance program specifically for car repair. If your tires fail a state inspection, Catholic Charities will pay up to $800 to replace them.²

Modest Needs

Modest Needs is a charity that helps low-income working households with emergency cash. You can apply for a grant and explain why you need new tires — i.e. to get to work, school, medical appointments for you and your children. If selected, you can receive financial help to cover or apply to the cost of tires for your car. 

According to the Modest Needs website, most people receive between $750 and $1,250, though payouts vary on a case-by-case basis.³ 

Salvation Army

The Salvation Army has locations across the U.S., and each one caters to the needs of the community it supports. 

The Lakewood Salvation Army in St. Paul, Minn. helped repair two tires that went flat for a woman in their community.⁴ The Salvation Army in Port Jervis, N.Y., helped a single mom purchase new tires so she could get to school and drive her children around.⁵

Churches

Local churches are a great resource when you need help in your community. Search “churches near me” to get a list of churches you can call to ask for help. Even if the churches do not have the funds to directly help you purchase new tires, they may have resources to point you in the right direction.

Community action groups

Community action groups are nonprofit organizations that help individuals and families reach financial independence and reduce the effects of poverty. If you need tires so that you can get to work or school, a local community action group may be able to assist.

Search “community action groups near me” to find organizations in your area that may be able to help.

Government assistance for free tires

While we could not find specific government programs that provide free tires, if you meet certain eligibility requirements, you may be able to get government help to purchase new tires.

Here are some options to consider:

VA tire assistance for veterans

While not free, the U.S. Department of Veterans Affairs (VA) offers tax-free, discount tires through PatriotStoreDirect.⁶ The VA works with approved service centers to deliver this helpful service.

TANF help to get tires

If you receive Temporary Assistance for Needy Families (TANF), ask your case worker about programs that help you get to work. 

For example, in Oklahoma, a TANF recipient can get help with purchasing tires if they own a vehicle that is unsafe or inoperable without them.⁷

Learn more about EBT cash and what you can buy. 

Buy-now pay-later payment programs for replacement tires and wheels

There are several tire companies that offer payment plans on tires, so you can pay over time with a payment plan. Some offer this service at a 0% annual interest rate if you pay off your balance within a certain amount of time. Call local tire companies and tire shops to see if they offer buy-now pay-later options.

Discount Tire Direct uses Synchrony Pay Later, a no interest, fee-free option that allows you to break your purchase up into four monthly payments with no initial payment upfront. 

Here are some other tire businesses that offer a buy-now pay-later option, as well as payment plans for tires (no credit or bad credit):

• Goodyear
• Tire Agent
• Tires Easy
• Tire Rack

Tire Agent, Tires Easy and Tire Rack are online retailers that sell tires and rims online. You just enter your make, model and year, and they'll match you up with a variety of tire options. They ship the tires to you and, in the case of Tire Agent, will ship them for free to your local auto shop. During the checkout process, you can review several wheel and/or tire package financing options. 

There are also businesses that offer lease-to-own tires and wheels with no credit check such as Dan the Tire Man in Madawaska, Maine.⁸

Help with tire installation

Once you find new tires, unless you know how to put them on your car properly, you will likely have to pay for a professional installation. However, you may be able to find a nonprofit garage that offers free or affordable tire installation.

Good Karma Garage is a nonprofit garage in Harrisburg, Pa., that offers tire services as part of its Working Class Hero program. The program helps vehicles pass state inspection. The shop only charges clients for the inspection fee.⁹

You can do a search for “nonprofit garage near me” to find out what’s available in your area. These garages are often staffed by volunteer mechanics and other automotive experts and may also be a good resource for free tires.

Otherwise, you can take your tires to a mechanic or auto body shop to install them for a small fee. Walmart charges $11 per tire.¹⁰

Used tires: Should you buy used tires?

Used tires in good condition are OK to buy if that is what you can afford, says Michael Dominguez, a certified Master Mechanic and founder of Car Fixer Guide. 

However, he says it’s important to buy used tires from a reputable source to avoid:

• Potential safety risks
• Unknown tire history
• Shorter tire life span

Tires should be tested for tread depth (tire thickness), proper inflation, air leaks, and visually inspected for signs of damage or wear. Ask for a tire test from the seller to ensure that you are getting a good product.

If you have already purchased tires, Firestone Complete Auto Care says you can check your tread depth easily with a penny. Just place a penny head first into a tire tread. If you can’t see the top of President Lincoln’s head, the tires are safe to drive.¹¹

You’ll also need to choose the right tires for your vehicle. Dominguez says to check your owner’s manual but also consider the climate and road conditions where you live. All-season tires suit moderate climates, while specialized winter tires are helpful in snowy regions.

Picking the right tires takes some consideration, says Todd Bialaszewski, a mechanic and founder of Junk Car Medics in Newark. N.Y. You’ll have to think about your travel needs, as well as how you drive. 

“One customer had a little sedan she used to zip around town,” he recalls. “Her tires had to be different from an SUV that often goes off-road. It's not just if the tire fits — you must match it to how the car is driven and what it's used for.”

The National Highway Traffic Safety Administration offers an online tire guide to help you understand tire labels, identify tire recalls, and get general information on purchasing and maintaining tires.

What about used wheels? Are they worth it?

You can buy used wheels or rims, but they come with the same caveats as buying used tires. If you don't have an expert that can look them over before you buy them, you could be purchasing defective wheels. This poses a safety risk for you, your family, and others on the road. 

Bialaszewski recommends having a pro check them thoroughly before mounting them on your vehicle.

“Once, a customer brought rims he got from a yard sale that looked brand new, but we found cracks that could've been super dangerous,” he says.

Dominguez adds that it's crucial to buy rims that fit your vehicle's specific make and model. Any structural damage or bends can impact driving safety.

Places to find the best used tires

There are several places where you can find legit used tires. Bialaszewski recommends having an expert inspect the tires before you purchase and place them on your car.

“It's not just about the cheapest option — you want the safest choice that works well long-term,” he says. “Always talk to a mechanic you trust who understands your ride.”

Learn more about how to buy a secondhand car without getting ripped off.

Local auto shops, garages, and used car stores

Bialaszewski says that auto shops usually have sales on tires that did not sell as quickly as expected. Tires may be used or new depending on the shop’s inventory, but you’ll get them at a lower price.

Used car shops may also sell used tires in good condition. 

People on Reddit confirmed this is good advice: 

Interested in getting used tires for cheap or for free.
by incars

Announcement boards

Bialaszewski says people are constantly looking to get rid of barely used tires once they upgrade to a new set. These boards can be found at libraries, grocery stores, and other places where people gather. 

Alternatively, you can use an app like Nextdoor, which allows you to create a free account and connect with your neighbors to search offers for free, used, or affordable new tires. You can also post a request so your neighbors know what you’re looking for.

“Buy Nothing” Facebook groups are another option to ask people in your area for free tires. 

Online tire stores

Even though they aren’t as cheap as used tires, discount online tire stores are another way to find affordable tries. Dominguez says stores like Tire Rack and Discount Tire Direct often have discounts and specials to help you save money — especially when you buy a full set of tires. 

Resale sites

You can search sites like Craigslist, Facebook Marketplace, or ebay to find used or in some cases new tires being resold at a discount price. When using these sites, it’s important to read all descriptions thoroughly, ask questions, and research the reputation of the seller if possible. Look for high shop ratings and reviews on ebay.

When browsing online classified sites like Craigslist, inspect tires closely before you buy. Look for signs of excessive wear or damage.

Scrap and salvage yards

Scrap and auto salvage yards are another place to find used tires, but you should ask an expert to inspect any tires you get before putting them on your vehicle.

More transportation help

If you don't have a car or need more help getting around, check out these posts:

• Free bus passes
• Free bus tickets
• Free car
• Free car inspections
• Free car seats
• Free gas
• Lower car payment
• Help with car insurance

And our other resources for low-income families:

SOURCES

1. “How to Save Money When Buying Replacement Tires,” Aug. 9, 2023. Consumer Reports. https://www.consumerreports.org/cars/tire-buying-maintenance/how-to-save-money-when-buying-replacement-tires 
2. “Emergency Assistance Guidelines: Financial Support for Car Repair” Catholic Charities Diocese of Arlington. https://www.ccda.net/need-help/rent-utility-and-emergency-household-assistance/car-repair-assistance-details/
3. “Frequently Asked Questions for Individual Applicants,” Modest Needs. https://www.modestneeds.org/for-applicants/faq.asp
4. “Fight for Good Series: Women vs. Car Repairs” December 20, 2017 Salvation Army https://centralusa.salvationarmy.org/northern/maplewood/news/fight-for-good-series-woman-vs-car-repairs-1/
5. “Salvation Army kicks off effort to ‘Rescue Christmas’” November 19, 2020 Time Herald-Record. https://www.recordonline.com/story/news/local/port-jervis/2020/11/20/salvation-army-kicks-off-effort-to-rsquorescue-christmasrsquo/114992406/
6. “PatriotStoreDirect Automotive Tires,” U.S. Department of Veterans Affairs. https://www.vacanteen.va.gov/VACANTEEN/PatriotStoreDirect_Automotive.asp
7. “Library: Policy. TANF Work support services. September 15, 2021 Oklahoma Human Services https://oklahoma.gov/okdhs/library/policy/current/oac-340/chapter-10/subchapter-2/temporary-assistance-for-needy-families-tanf-work-support-services.html
8. “Lease-to-Own FAQs,” Dan the Tire Man. https://danthetireman.com/faqs
9. “Working Class Hero,” Good Karma Garage https://www.goodkarmagarage.com/working-class-hero
10. “Auto Care Center services,” Walmart. https://www.walmart.com/cp/auto-care-center-services/2686220
11. “Tire Tread Depth” Firestone Complete Auto Care https://www.firestonecompleteautocare.com/penny-tire-test/#