Which entity would help to ensure lower premiums for low-income drivers through the California low-cost auto insurance program?

The California Department of Insurance plays a crucial role in overseeing and regulating insurance practices within the state, including the administration of programs designed to assist specific groups of consumers. The California low-cost auto insurance program is specifically designed to provide affordable insurance options for low-income drivers who may otherwise struggle to obtain necessary coverage.

This program helps ensure lower premiums by setting guidelines that insurance providers must follow, enabling them to offer policies at rates that are more manageable for low-income individuals. The Department of Insurance is responsible for implementing the program, making sure that it functions effectively, and ensuring compliance with state laws that aim to protect consumers while promoting fair access to insurance.

In contrast, while other entities like the Insurance Commissioners or the Department of Motor Vehicles may have roles related to oversight and regulation, they do not have the same direct involvement in offering or managing low-cost insurance programs tailored for low-income drivers. The Insurance Fraud Bureau focuses on investigating and preventing fraudulent activities in the insurance industry, which, although important, does not pertain to aiding low-income drivers with affordable premiums.