California's Low Cost Auto Insurance

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Made part of California law in 1999, California’s Low Cost Automobile Insurance Program (CLCA) is designed to provide liability car insurance at affordable rates to income-eligible drivers.



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To qualify for the CLCA, you must:

  • Meet income eligibility requirements.
    • Income eligibility* depends on the number of people in your household and the combined income of all members of the household.
  • Have a good driving record.
  • Be at least 19 years old.
  • Have a current valid driver’s license.
  • Own a car:
    • Valued at $20,000 or less.
    • With no unpaid loans.

Annual premiums vary from county to county but the highest premium is capped at $388.

Coverage limits provided by the CLCA are lower than the CA’s standard minimum requirements for car insurance. However, drivers in the program are exempt from meeting those requirements.

CLCA coverage limits are as followed:

  • $10,000 for bodily injury or death per person.
  • $20,000 for total bodily injury or death when multiple people are hurt in an accident.
  • $3,000 for property damage.


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California's Low Cost Auto Insurance

California's Low Cost Auto Insurance

Made part of California law in 1999, California’s Low Cost Automobile Insurance Program (CLCA) is designed to provide liability car insurance at affordable rates to income-eligible drivers.