California Low Cost Automobile Insurance
California Department of Insurance / CAARP
Income-eligible liability insurance at program rates
State-sponsored liability insurance for income-eligible good drivers who need to meet California’s insurance law.
What you could receive
Income-eligible liability insurance at program rates
CLCA offers income-eligible California residents liability coverage that meets the state’s financial-responsibility law. Official pages require a valid California driver license, a vehicle valued at $25,000 or less, income eligibility, and a good driving record. Premiums vary by county. This is insurance, not a rebate. Apply at mylowcostauto.com or through a certified agent.
Who may qualify
- The program is for a vehicle you own.
- The insured vehicle generally must be valued at $25,000 or less.
Location / service area
Statewide in California
Important requirements
Purchase timing requirement is unclear. Confirm with the program administrator.
Timing / preapproval
Preapproval required
Last verified: Sep 6, 2026 · Confidence: High
Official sources
Eligibility is based on published program information and the details you provide. Program rules, funding and availability can change. Always confirm eligibility with the official program administrator.