California Low Cost Auto Insurance Program

The rationale behind the California Low Cost Auto Insurance Program is to provide low-income drivers with access to economical liability insurance. California auto insurance law requires insurance coverage for all drivers of vehicles, but unfortunately lower-income drivers still remain uninsured as the higher-cost of standard premiums are not within their reach.

According to the website for the California Depart of Insurance, to qualify for the California Low Cost Auto Insurance Program the following requirements must be met.

  • Be able to meet low-income requirements (1 person = $25,525, 2 persons = $34,225, 4 persons = $51,625, 8 persons = $86,425)
  • Meet the good driver standard (no more than one at-fault property damage only accident or more than one point for moving violation in the past three years)
  • Be at least 19 years old
  • Have been continuously licensed to drive for the past three years
  • Have a vehicle valued at less than $20,000

If you do not qualify for low-income insurance and would like to get a standard auto insurance quote right away, you can simply go to our Personal Auto Insurance pages and select an insurance carrier.


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