Commercial insurance plays an important role in participating in a multi-level social security system and providing high-quality elderly care services.Based on data from the 2018 China Comprehensive Social Survey，this paper constructs a Probit regression model to examine the impact of socioeconomic status perception on rural residents’participation in commercial insurance in the digital economy era.The results indicate that socioconomic status perception positively influences rural residents’participation in commercial insurance and this finding remains robust after conducting robustness tests.In the era of the digital economy，socioeconomic status perception can affect rural residents’participation in commercial insurance through Internet integration.Further research indicates that socioeconomic status perception notably enhances commercial insurance participation among rural residents in regions with advanced digital rural development.When information carriers exist and the Internet serves as the primary information sources，the promoting effect of socioeconomic status perception on rural residents’participation in commercial insurance becomes more pronounced.Based on this analysis，the following policy recommendations are proposed：enhancing commercial insurance promotion models that address socioeconomic status disparities，establishing risk compensation mechanism related to commercial insurance，narrowing the gap in digital rural development to facilitate the internet information integration for rural residents，fully utilizing information carriers to disseminate effective commercial insurance information， thereby encouraging rural residents’participation in commercial insurance.