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California Low Cost
Auto Insurance
If you’re a California driver with a good record and limited income, you may qualify for state-approved car insurance starting as low as $199 a year.
The California Low Cost Auto Insurance Program (CLCA) helps drivers get affordable coverage — no hidden fees, no broker costs.
Learn More:
If car insurance feels too expensive, you’re not alone.
California made a special plan called the Low Cost Auto Program to help good drivers get the coverage they need for less money.
You could pay as little as $199 a year — no hidden fees, no tricks.
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What This Program Does:
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Helps California drivers who don’t make a lot of money
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Covers you if you cause an accident
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Keeps you legal to drive
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Easy to apply — we’ll help you every step
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You May Qualify If You…
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Live in California
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Have a valid CA or AB-60 driver’s license
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Own a car worth under $25,000
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Have a clean driving record (no big accidents or tickets)
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Have a smaller household income
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Use your car for personal or work commute (not delivery or rideshare)
Chat above to review eligibility
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What’s Covered
Minimal Liability Coverage Only
In the event of an accident its coverage for the other people's medical bills, lost wages, and property damage.
If you require full coverage this policy is not for you,
