Reader’s question:

Is there a low cost car insurance for low income families in the state of California?

Jaybee

Yes.

It si called the Low Cost Automobile Program.To be qualified for this program, you, the applicant must be:

1. living in the eligible county (LA, San Francisco, Alameda Fresno, Orange, Riverside, San Bernardino and San Diego)
2. have financial needs
3.must show as a good driver (no more than 1 at-fault accident and no at fault accident involving injury or death within the last three years and no violation of misdemeanor of the vehicle code)

This program is limited to families with an income that do not exceed 250% of the federal poverty level ($24500 for one person, $33000 for 2 persons and $50000 for a family of four) . The value of the vehicle that will be insured should not be more than $20000.The minimum liability limit for this program is 10/20/3. Although this is less than the mandatory state limit, this will still satisfy the financial responsibility law.

This does not cover the physical damage coverage but you have the option for other coverage like medical payments. This insurance may cost you $268 a year without other optional coverage but this may differ in different county.

Goodluck!

MariCAR