Low Cost Auto Insurance 

Low Cost Auto Insurance

Every state requires that all drivers be insured, but, for many low-income motorists, the cost of auto insurance is too high to maintain coverage.  As a result, millions of Americans drive without auto insurance.  They risk stiff penalties, car impoundment and license suspension.  Those who buy policies face high uninsured motorist premiums and accident claims going unpaid as a result of the uninusred motorist problem. 

Consumer Watchdog, working with California lawmakers, created the nation's most  innovative approach to addressing the problem.   The California Low-Cost Auto Program, the first and only of its kind in the nation, offers a very inexpensive, basic auto insurance policy to low-income drivers with good driving records. This groundbreaking policy, which costs taxpayers nothing, is now available in all California counties and costs less than $400 per person, per year.

You can call 1-866-602-8861 to find a neighborhood agent who can sell you a Low Cost policy.

Please tell us if you have problems signing up for the program.  If you tried to buy the Low Cost Auto policy but an agent or insurer refused to help you, let us know.


To be eligible for the program drivers must:

  • Meet the program's low-income requirements
  • Have no more than 1 Point on their driving record
  • Have not had an at fault accident involving bodily
    injury or death in the past 3 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 the $20,000

More details on eligibility are available here. You can also get more information by calling 1-866-602-8861

To find out if you qualify, take the following questionnaire. You will be asked a few yes/no questions to determine if you are eligible. If you qualify, you will be provided a list of certified insurers in your local area. Simply enter your zip code and the list will appear.

You will need to contact an insurer in order to apply for the automobile liability insurance policy. The application for insurance is not available online. The insurance agent will help you complete an application for insurance, plus collect the required deposit and documents needed for this program and get you started.