California drivers are legally required to have financial responsibility, and for many, the California Low Cost Automobile (CLCA) Insurance Program offers an accessible solution. Established in 1999 by the California Legislature, this Government Car Insurance Program, detailed under California Insurance Code Section 11629.7, is specifically designed to provide income-eligible individuals with affordable liability insurance. This initiative helps ensure that more Californians can meet the state’s financial responsibility laws without facing undue financial strain.
Despite the necessity of car insurance, many income-eligible drivers in California remain uninsured due to the high costs associated with standard insurance policies. The CLCA program addresses this critical issue by offering a more budget-friendly option. It’s important for income-qualified residents to explore these solutions to protect themselves, their families, and everyone else on California roads.
A significant update to the CLCA program took effect on January 1, 2015, thanks to Senate Bill 1273, passed in 2014. This revision broadened eligibility by creating an exception to the continuous licensure requirement, now allowing drivers with less than three years of verifiable driving experience to participate. Additionally, the maximum vehicle value covered under the program increased from $20,000 to $25,000, further expanding the program’s reach. More detailed information about the CLCA program is readily available at the official website: www.mylowcostauto.com.
For those interested in learning more or getting involved with the CLCA program, resources and contacts are available.
Connect with CLCA Experts
The California Department of Insurance encourages community engagement and offers opportunities to connect with CLCA experts. These experts are available to speak at community events, offering valuable insights and information about the program. For those looking to partner with the CLCA for community activities or needing answers to specific questions, direct contact is encouraged.
Community Relations and Outreach Branch (CROB)
300 S. Spring Street, South Tower
Los Angeles, CA 90013
Toll free: (877) 401-9550
Email inquiries can be sent via email.
The California Low Cost Automobile Insurance Program is a vital service provided by the California Department of Insurance and is expertly managed by the California Automobile Assigned Risk Plan (CAARP). Consumers seeking to verify their eligibility and find certified agents can visit www.mylowcostauto.com or call 1-866-602-8861. Insurance agents and brokers can find comprehensive program details at the AIPSO website: www.aipso.com/PlanSites/CaliforniaLowCost.aspx.
