The California Low Cost Automobile Insurance (CLCA) program provides affordable liability coverage to income-eligible drivers, helping keep uninsured drivers off the road. It exists alongside the standard minimum requirements.
Who qualifies
Applicants must meet income requirements, be at least 19 years old, have a valid California driver's license, and own a vehicle valued below a set limit. Household income must fall within program guidelines.
What it covers
CLCA provides reduced liability limits (10/20/1) with options to add uninsured motorist and medical payments coverage. These limits are lower than the standard 15/30/5, so consider whether the reduced coverage fits your needs.
Where to apply
The program is administered through the California Department of Insurance. Eligible drivers apply through the program's official process, and the assigned insurer issues the policy.
