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What is it?

The California Low Cost Automobile Insurance program provides state-required car insurance coverage for less than $400 a year to qualified drivers in 22 counties. Fees vary by county.

n In Ventura County, it costs $280 a year. In Santa Barbara County, it costs $220 a year.

n Ventura County has 38,736 uninsured drivers. Santa Barbara County has 11,999.

Who qualifies?

n Applicants must be good drivers with no more than one at-fault, property-damage-only accident or one point for a moving violation in the past three years. Drivers cannot have any at-fault accidents involving bodily injury or death in the past three years, nor can they have any felony or misdemeanor convictions for a state Vehicle Code violation.

n Family income cannot exceed 250 percent of the federal poverty level ($25,525 for a single person; $34,225 for two people; and $60,325 for a family of five).

n The insured vehicle's value cannot exceed $20,000.

n Applicants must be at least 19 years old and have had a driver's license for the past three years.

n For more information, call 1-866-602-8861 or visit http://www.insurance.ca.gov.

Source: California Department of Insurance

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