For income-eligible drivers, California offers a state-sponsored program designed to make auto insurance more affordable while meeting legal requirements.
What Is the California Low Cost Auto Insurance Program?
The California Low Cost Auto Insurance (CLCA) Program is administered by the California Department of Insurance and provides basic liability coverage at reduced premiums. Program details and eligibility guidelines are available here:
https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/low-cost-auto-insurance.cfm
Annual premiums vary by county and driver profile but are significantly lower than many standard policies.
Eligibility Basics
To qualify, drivers generally must:
- Hold a valid California driver’s license
- Own a vehicle valued below program limits
- Meet household income requirements
- Maintain a relatively clean driving record
When Traditional Coverage May Be Better
Because coverage limits under CLCA are basic, some drivers may prefer higher limits for added protection.
EZONE Insurance can help compare state programs with traditional policies. Explore available options on our Services page:
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