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.

California’s Low Cost Automobile Insurance Program

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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 $556 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 valid California driver's license.
  • Own a vehicle that is valued at $25,000 or less.
  • Meet income eligibility requirements.
  • Are at least 19 years of age.

There are two payment plans available:

  • Full annual premium.
  • Or, 20% deposit with balance to be paid in seven bi-monthly installments. (For each installment payment there will be a $4 transaction fee.)

Basic Liability Policy limits are: **

  • $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 (Rev 2018)

HOUSEHOLD SIZE MAXIMUM INCOME
1 PERSON $30,350
2 PEOPLE $41,150
3 PEOPLE $51,950
4 PEOPLE $62,750
5 PERSON $73,550
6 PEOPLE $84,350
7 PEOPLE $95,150
8 PEOPLE $105,950

For households with more than 8 members, add $10,800 for each additional member.

  • Eligibility is based on the household’s gross annual income, which must be 250% or less of the federal poverty level.
  • For Low Cost Automobile (LCA) Insurance Program income eligibility purposes, “Household” means all the persons who occupy a housing unit (house or apartment) and who are related by blood, marriage, registered domestic partnership, adoption, or guardianship. 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.

You have to prove your income to apply. The program will accept any one of the following documents as proof of household income:

  • CalFresh (food stamps) - EBT card
  • CalWorks - Notification letter
  • California LifeLine - Bill showing discount from phone company
  • LIHEAP Low Income Home Energy Assistance - Bill showing discount from utility company
  • Medi-Cal / Medicaid - Program card
  • California Employment Development Department (EDD) - Debit card or benefit letter
  • SSI / Social Security Income (age, blind, disabled) - Recent bank statement as proof of deposit
  • Social Security or Pension - Letter from administration
  • Income Level using social security number or TIN accepted - Copy of federal or state income tax return for last year, or W-2 or 1099 form, or Payroll stub or employer verification letter

You can complete the Eligibility Questionnaire online, and apply online. Get started here: http://bit.ly/2tiQbSv.

Read more on the FAQs page.


County Premiums

Effective 2018, the annual premium for the California counties are shown in the chart below.

The base rate is for most drivers with three years of good driving history.
There is a 30% surcharge if the driver is a single male 19-24 years old.
There is a 40% surcharge if the driver has less than three years of verifiable driving history.
There is a 100% surcharge if policy owners or operators 16-18 years old

The maximum surcharge on any CLCA policy is 100%.

County of Residence Base Rate 30% surcharge 40% surcharge 100% surcharge
Alameda $321 $417 $449 $642
Alpine $267 $347 $374 $534
Amador $267 $347 $374 $534
Butte $267 $347 $374 $534
Calaveras $267 $347 $374 $534
Colusa $267 $347 $374 $534
Contra Costa $321 $417 $449 $642
Del Norte $267 $347 $374 $534
El Dorado $267 $347 $374 $534
Fresno $247 $321 $346 $494
Glenn $267 $347 $374 $534
Humboldt $267 $347 $374 $534
Imperial $267 $347 $374 $534
Inyo $267 $347 $374 $534
Kern $267 $347 $374 $534
Kings $247 $321 $346 $494
Lake $267 $347 $374 $534
Lassen $267 $347 $374 $534
Los Angeles $490 $637 $686 $980
Madera $247 $321 $346 $494
Marin $321 $417 $449 $642
Mariposa $267 $347 $374 $534
Mendocino $267 $347 $374 $534
Merced $247 $321 $346 $494
Modoc $267 $347 $374 $534
Mono $267 $347 $374 $534
Monterey $247 $321 $346 $494
Napa $267 $347 $374 $534
Nevada $267 $347 $374 $534
Orange $490 $637 $686 $980
Placer $267 $347 $374 $534
Plumas $267 $347 $374 $534
Riverside $267 $347 $374 $534
Sacramento $321 $417 $449 $642
San Benito $247 $321 $346 $494
San Bernardino $267 $347 $374 $534
San Diego $267 $347 $374 $534
San Francisco $321 $417 $449 $642
San Joaquin $321 $417 $449 $642
San Luis Obispo $247 $321 $346 $494
San Mateo $321 $417 $449 $642
Santa Barbara $247 $321 $346 $494
Santa Clara $321 $417 $449 $642
Santa Cruz $247 $321 $346 $494
Shasta $267 $347 $374 $534
Sierra $267 $347 $374 $534
Siskiyou $267 $347 $374 $534
Solano $267 $347 $374 $534
Sonoma $267 $347 $374 $534
Stanislaus $321 $417 $449 $642
Sutter $321 $417 $449 $642
Tehama $267 $347 $374 $534
Trinity $267 $347 $374 $534
Tulare $247 $321 $346 $494
Tuolumne $267 $347 $374 $534
Ventura $267 $347 $374 $534
Yolo $267 $347 $374 $534
Yuba $267 $347 $374 $534
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.

Published / Reviewed Date

Reviewed: August 21, 2018

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