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Published: May 17, 2012
California’s Low Cost Automobile Insurance Program
The State of California has developed this program to provide income eligible, good drivers with access to affordable automobile liability insurance. The policies are issued by California licensed insurance companies. California state law provides that a California Low Cost Automobile Insurance policy satisfies financial responsibility laws.
Publication Series
- This publication is part of the California’s Low Cost Automobile Insurance Program training module.
Download File
California’s Low Cost Automobile Insurance Program
File Name: clca_may2012_en.pdf
File Size: 1.68MB
Languages Available
Table of Contents
No table of contents, please refer to details below.California law requires all drivers to have auto insurance.
If you drive without insurance you could:
- have your vehicle registration suspended.
- have your license suspended.
- have your car impounded.
- be fined.
Are you driving without insurance because you can’t afford the rates?
The State of California has developed a program to help income eligible good drivers get low cost automobile insurance for under $400 a year. (Liability only)
Policies are issued by California licensed insurance companies. California’s Low Cost Automobile Insurance policies satisfy the state’s liability insurance requirement.
You may qualify for California’s Low Cost Automobile Insurance Program if you:
- Have a good driving record
- Are at least 19 years of age
- Have been continuously licensed to drive for at least three years
- Own a vehicle that is valued at $20,000 or less
- Meet the income eligibility requirements
- Full annual premium
- $125 deposit with balance to be paid within 30 days
- $100 deposit with balance to be paid in 6 bi-monthly installments*
- $125 deposit with balance to be paid in 5 bi-monthly installments*
- 15% deposit with balance to be paid in 6 bi-monthly installments*
- $10,000 bodily injury or death per person
- $20,000 bodily injury or death per accident
- $3,000 property damage liability per accident
** Additional direct benefit coverage is available for an additional charge.
Income Eligibility (effective 5/15/12)
| HOUSEHOLD SIZE | MAXIMUM INCOME |
|---|---|
| 1 PERSON | $27,925 |
| 2 PEOPLE | $37,825 |
| 3 PEOPLE | $47,725 |
| 4 PEOPLE | $57,625 |
| 5 PEOPLE | $67,525 |
| 6 PEOPLE | $77,425 |
| 7 PEOPLE | $87,325 |
| 8 PEOPLE | $97,225 |
- Eligibility is based on the household’s gross annual income which must be 250% or less of the federal poverty level.
- A “Household” is all persons who occupy a housing unit and who are related by blood, marriage, adoption or guardianship (i.e., members of one family). If more than one family is living in the same housing unit, they constitute different families for eligibility purposes even though they reside at the same address.
County Premiums*
Effective 5/15/2012, the annual premium for these 58 counties are:
| County of Residence | Liability Premium | County of Residence | Liability Premium |
|---|---|---|---|
| Alameda | $287.00 | Orange | $347.00 |
| Alpine | $248.00 | Placer | $248.00 |
| Amador | $248.00 | Plumas | $256.00 |
| Butte | $256.00 | Riverside | $248.00 |
| Calaveras | $248.00 | Sacramento | $287.00 |
| Colusa | $256.00 | San Benito | $231.00 |
| Contra Costa | $287.00 | San Bernardino | $248.00 |
| Del Norte | $256.00 | San Diego | $248.00 |
| El Dorado | $248.00 | San Francisco | $287.00 |
| Fresno | $231.00 | San Joaquin | $287.00 |
| Glenn | $256.00 | San Luis Obispo | $231.00 |
| Humboldt | $256.00 | San Mateo | $287.00 |
| Imperial | $248.00 | Santa Barbara | $231.00 |
| Inyo | $248.00 | Santa Clara | $287.00 |
| Kern | $248.00 | Santa Cruz | $231.00 |
| Kings | $231.00 | Shasta | $256.00 |
| Lake | $256.00 | Sierra | $248.00 |
| Lassen | $256.00 | Siskiyou | $256.00 |
| Los Angeles | $347.00 | Solano | $256.00 |
| Madera | $231.00 | Sonoma | $256.00 |
| Marin | $287.00 | Stanislaus | $287.00 |
| Mariposa | $248.00 | Sutter | $287.00 |
| Mendocino | $256.00 | Tehama | $256.00 |
| Merced | $231.00 | Trinity | $256.00 |
| Modoc | $256.00 | Tulare | $231.00 |
| Mono | $248.00 | Tuolumne | $248.00 |
| Monterey | $231.00 | Ventura | $248.00 |
| Napa | $256.00 | Yolo | $256.00 |
| Nevada | $248.00 | Yuba | $248.00 |
*If there is a single male driver in the household who is 19-24 years old the liability rate is surcharged.
Call Today!
1-866-602-8861
mylowcostauto.com
The State of California’s Low Cost Automobile Insurance Program is brought to you by the California Department of Insurance and administered by the California Automobile Assigned Risk Plan.
Links from Article
Download File
California’s Low Cost Automobile Insurance Program
File Name: clca_may2012_en.pdf
File Size: 1.68MB
For More Information
None Available
Sponsors
California Department of Insurance
Notes
Filed Under
Automobiles ♦ Insurance ♦
Copyright
© 2012 California Department of Insurance.
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