These reduced rates are less than $400 annually for the state-required liability insurance. Over 3 million drivers are uninsured in California according to Garamendi. This fact obviously fueled the need for a reduction in auto insurance for lower-income good drivers. A “good driver” definition is as follows - no more than one at-fault property damage only accident, or one point for a moving violation in the past three years; and no at-fault accident involving bodily injury or death in the past three years; and no felony or misdemeanor conviction for a violation of the Vehicle Code.
To qualify as a low-income driver family income cannot exceed 250% of the federal poverty level $24,500 for a single person, $33,000 for two persons and $50,000 for a family of four. The value of an insured vehicle must not exceed $20,000.
This is a more affordable plan for those that qualify and helps protect everyone on the road. To learn more about the program please call 1-866-602-8861.
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