Does California offer low-income car insurance?

I'm barely scraping by and I'm worried I won't be able to afford my car insurance when it comes up for renewal. Does California offer special insurance for low-income earners?

Answer
Yes, California established the Low Cost Automobile Insurance Program (CLCA) to cover low-income drivers who might otherwise be uninsured. But be aware that the CLCA’s policies have lower coverage limits than the minimums required by California law.
To qualify for this type of car insurance, your household’s yearly income has to be below 250% of the federal poverty level.
You also need to have a solid driving record. This means having no more than one at-fault accident, without injury or death, in the previous three years, and no more than one point from moving violations.
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Carol Chung
Answered on Apr 12, 2021
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