To qualify, drivers must have to have a clean DMV record and earn less than $28,000. Although the program has been around since 1999, only 11,000 people are currently enrolled. Jones said the price was lowered to encourage at least some of the state’s 4 million uninsured drivers to sign up. About 15 percent of those who get behind the wheel in California drive without auto insurance. “One of the reasons why people haven’t taken advantage of it is they don’t know about the availability of the program,” he said. The program was established to help low-income residents find affordable alternatives to meeting the state requirement that they buy car insurance. Just a handful of states offer low-income alternatives, including Texas, Hawaii and New Jersey.