California Low Cost Automobile Insurance
by California Department of Insurance / CAARP
State-sponsored liability insurance for income-eligible good drivers who need to meet California’s insurance law.
What you can get
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.
Overview
State-sponsored liability insurance for income-eligible good drivers who need to meet California’s insurance law.
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
How to apply
Use the official application or program page. Confirm current instructions with the administrator before you apply.
Preapproval required
Important things to know
Last verified: Sep 6, 2026 · Confidence: High
Official sources
Not sure what you qualify for?
Check your eligibility. We’ll compare your answers with published program rules.
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.