Who is eligible for California low-cost auto insurance?

Individuals eligible for California low-cost auto insurance must meet specific criteria that primarily focus on their driving record and income level. The program is designed to help low-income Californians who have a good driving history secure affordable auto insurance.

Being at or below 100% of the federal poverty level indicates that the individual meets the low-income threshold necessary for this program. A good driving record suggests they are less likely to file claims, making them more favorable candidates for insurance coverage. This combination ensures that the participants in the program are both financially constrained and exhibit responsible driving behavior, which aligns with the intent of promoting safe driving while providing necessary financial assistance.

In contrast, the other options highlight situations where the individual does not fit the program's eligibility requirements. For instance, those with poor driving records or high-risk histories do not qualify because they are considered greater risks for insurers. Similarly, individuals without insurance for the past year may raise concerns regarding their driving habits, which conflicts with the program's focus on individuals demonstrating responsible driving practices.