To be eligible for the Low Cost Auto Insurance Program, which of the following is NOT required?

To be eligible for the Low Cost Auto Insurance Program, individuals must meet specific criteria that ensure they are responsible drivers and can benefit from lower insurance rates. One key eligibility requirement is that the applicants must be at least 16 years of age. This age requirement is standard in many insurance programs, as it ensures that the drivers are legally able to operate a vehicle.

In this context, the correct choice emphasizes that there is no minimum age restriction beyond being 16 years old. The other criteria help determine the risk associated with insuring an applicant. For instance, having no more than one property-damage accident at fault and no more than one moving violation assists in assessing the applicant's driving record and overall risk to the insurance provider. Additionally, having insured vehicles valued under $20,000 helps to keep the program focused on lower-risk vehicles, which aligns with the objectives of making auto insurance more affordable for low-income drivers.

Thus, while several criteria are in place to ensure a responsible driving profile, being at least 16 years old is the baseline requirement, and therefore not an exclusionary factor for eligibility.