California drivers are legally required to have financial responsibility, which is often met by carrying car insurance. However, for many income-eligible individuals, the cost of standard car insurance can be prohibitive. This is where the California Low Cost Automobile (CLCA) Insurance Program comes into play, offering a solution for those seeking Cheap Liability Car Insurance to comply with state law.
Established in 1999, the CLCA program was created by the California Legislature under California Insurance Code Section 11629.7. Its primary goal is to provide affordable liability insurance to eligible, lower-income Californians. This helps ensure that more drivers can meet the state’s financial responsibility requirements, protecting themselves and others on the road. Without programs like CLCA, many eligible drivers might remain uninsured simply because they cannot afford standard premiums, increasing risks for everyone.
Recent updates to the program, such as the 2015 law SB 1273, have broadened eligibility. Now, drivers with less than three years of continuous licensing can participate, and the maximum vehicle value has increased to $25,000. These changes make the CLCA program even more accessible to those in need of cheap liability car insurance.
For consumers looking to see if they qualify for this program and to find a certified agent in their area, the official website www.mylowcostauto.com is the best resource. You can also call 1-866-602-8861 for assistance. Insurance agents and brokers seeking more detailed information about the CLCA program can visit the Automobile Insurance Plan Service Office (AIPSO) website at www.aipso.com/PlanSites/CaliforniaLowCost.aspx.
The California Department of Insurance actively promotes the CLCA program and offers expert speakers for community events to raise awareness. If you have questions or would like to partner with them for an event, you can contact the Community Relations and Outreach Branch (CROB) at 300 S. Spring Street, South Tower Los Angeles, CA 90013, or call toll-free at (877) 401-9550. You can also reach them via email at [email protected]. The CLCA program is a collaborative effort brought to you by the California Department of Insurance and administered by the California Automobile Assigned Risk Plan (CAARP).
