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California’s Low Cost Auto Insurance (CLCA) 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. All vehicles in your household must be covered under the CLCA program.

Qualifying drivers must:

  • Have a good driving record
  • Be at least 19 years old
  • Be continuously licensed to drive for the previous three years
  • Own a vehicle valued at $20,000 or less
  • Meet income eligibility requirements

If this sounds like you, complete the eligibility questionnaire

It’s Easy to Apply

If you qualify, here are the items you’ll need to enroll.

  1. A valid driver license
  2. Current vehicle registration
  3. The initial deposit for payment
  4. Proof of income—you just need to provide ONE of the following documents:
    • A copy of your federal or state income tax return for the last year
    • A 1099 form
    • A W-2 form
    • A payroll stub
    • A MediCal card
    • An employer verification letter
    • A Social Security or pension letter
    • A utility company Lifeline verification
    • Electronic Benefit Transfer (EBT) card
    • Notifications from California Work Opportunity and Responsibility to Kids (CalWORKs)
    • State of California Employment Development Department (EDD Debit Card or benefit letters)
    • Bank Statements as proof of deposits of Social Security payments.
    • CalFresh (food stamps)
    • CalWorks (welfare)
    • Medi-Cal (Medicaid)
    • SSI (aged, blind, disabled)
    • LIHEAP (low income home energy assistance)

Get Started

Note: The California Department of Insurance does not sell insurance. Policies for this program are sold by licensed insurance producers and issued by licensed insurance companies.

Take this simple survey to get insured now. Act Now