California’s Low Cost
Auto Insurance

California’s Low Cost Auto Insurance Program is a state-sponsored program that makes insurance affordable for California residents

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Affordable Auto Insurance

What is CLCA Insurance?

California’s Low Cost Auto (CLCA) Insurance program is a state-sponsored program that makes auto insurance affordable, helping you drive responsibly and legally. California’s Low Cost Auto (CLCA) Insurance program helps good drivers that are income eligible afford auto insurance that meets the state’s financial responsibility laws. Each policy provides liability coverage for the vehicle’s primary driver and eligible secondary drivers. Each individual car owner may buy separate policies to insure up to two vehicles, per person under this program.

Eligibility

Check to see if you qualify.

Rate Calculator

Estimate CLCA insurance rate.

Check Eligibility

Who Qualifies?

Wherever you live, you’ll find these policies more affordable than what most private plans offer. Payment plans are available for as little as 15% down. Major credit or debit cards are accepted. These policies are issued by California-licensed insurance companies.

To Qualify for this Program, You Must:

  • Have a Valid California Driver’s License
  • Meet Income Eligibility Guidelines
  • Own a Vehicle Valued at $25,000 or Less
  • Be at Least 16 Years of Age
  • Have a Good Driving Record

Income Eligibility Check

Household Size (People)
Maximum Yearly Income
$32,200
Check Your Rate

Premium Calculator

The annual premiums in California vary by county, ranging from $244 – $966. Discounts are available if you have been a licensed driver with 3 years of good driving history. To check the rates in your county, answer the questions below to reveal your estimated annual premium

What county do you live in?
Continuously licensed for 3 years?
Are you less than 18 years old?
Are you 19-24 years old?
Annual Premium

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California Low Cost Auto
Frequently Asked Questions
Established In 1999
About CLCA

California’s Low Cost Automobile (CLCA) Insurance program was established by the Legislature in 1999 and exists (pursuant to California Insurance Code Section 11629.7) as a program designed to provide income-eligible, good drivers with liability insurance protection at affordable rates as a way to meet California’s mandatory auto insurance law.

California’s Low Cost Auto (CLCA) Insurance Program is a state-sponsored program that makes insurance affordable for California residents who meet the eligibility requirements, regardless of immigration status.

The CLCA Insurance program is brought to you by the California Department of Insurance and is administered by the California Automobile Assigned Risk Plan (CAARP).

california low cost insurance
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