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.

To be eligible for the California’s Low Cost Auto Insurance Program, consumers must:

  • Have a valid California driver’s license
  • Own a vehicle valued at $25,000 or less
  • Meet income eligibility guidelines
  • Be at least 19 years of age

If you have recently received a driver’s license through AB60, you may be eligible for this program regardless of immigration status.

Effective January 1, 2015, new laws mean more Californians qualify. Click here to see if you're eligible.

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:
    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*
    *social security number or TIN accepted
    • Copy of federal or state income tax return for last year
    • W-2 or 1099 form
    • Payroll stub or employer verification letter

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 questionnaire to get insured now. Act Now