California drivers are legally required to maintain financial responsibility, and for many, this is achieved through car insurance. However, the cost of car insurance can be a significant burden, particularly for income-eligible individuals. Many drivers remain uninsured simply because standard insurance premiums are financially out of reach. Fortunately, California offers solutions to help make car insurance more affordable. One such solution is the California Low Cost Automobile Insurance Program (CLCA).
What is the California Low Cost Automobile Insurance Program (CLCA)?
Established in 1999, the CLCA program was created by the California Legislature to provide income-eligible persons with affordable liability insurance. This program helps these individuals meet California’s financial responsibility laws without breaking the bank. The aim of CLCA is to ensure that more drivers, regardless of their income level, can access necessary car insurance coverage, thereby protecting themselves and others on the road. This initiative acknowledges that the standard Car Insurance Cost can be prohibitive for some residents, and seeks to bridge that gap.
Who Can Benefit from Low Car Insurance Cost through CLCA?
The CLCA program is designed for individuals who meet specific income requirements and other eligibility criteria. Recent legislative changes have expanded access to the program, including allowing drivers with less than three years of driving experience to participate. Additionally, the program now covers vehicles valued up to $25,000, broadening the range of eligible vehicles. To determine if you qualify for this program and to find a certified agent in your local area, you can visit www.mylowcostauto.com or call 1-866-602-8861. These resources can provide detailed information on eligibility and help you understand if the reduced car insurance cost offered by CLCA is available to you.
Contacting CLCA for More Information
The California Department of Insurance actively promotes the CLCA program and encourages community engagement. Experts on the CLCA program are available to speak at community events to raise awareness and provide information. If you have questions about the program or wish to explore partnership opportunities for your community activities, the Community Relations and Outreach Branch (CROB) is your point of contact. You can reach them at:
Community Relations and Outreach Branch (CROB)
300 S. Spring Street, South Tower
Los Angeles, CA 90013
Toll free (877) 401-9550
Send us an e-mail
For insurance agents and brokers seeking more information about the CLCA program, resources are available through the Automobile Insurance Plan Service Office (AIPSO) at www.aipso.com/PlanSites/CaliforniaLowCost.aspx.
By offering a pathway to reduced car insurance cost, the CLCA program plays a vital role in ensuring that more Californians can legally and affordably drive with insurance coverage.
