California Low Cost Liability Auto Insurance
Affordable auto insurance for qualifying California drivers. See if you qualify and get personal help with the application process.
Fast Quote • Telephone Applications • California Drivers
About the California Low Cost Liability Auto Insurance
The California Low Cost Auto Insurance Program (CLCA) is a state-sponsored program designed to provide affordable liability auto insurance to income-eligible California drivers. It helps qualified drivers meet California’s insurance requirements at a lower cost while maintaining the coverage needed to drive legally.
General Eligibility - Required:
- Must have a California driver's license
- Vehicle valued at $25,000 or less
- Meet household income guidelines
- Good driving record or new driver
- Age 16 or older
What Does CLCA Cover?
- $10,000
- Bodily Injury Liability
- Per Person
- $20,000
- Bodily Injury Liability
- Per Accident
- $3,000
- Property Damage Liability
Optional Coverage - Uninsured motorist bodily injury and medical payments available
How Much Does California Low Cost Auto Insurance Cost?
CLCA premiums are designed to be affordable for qualified California drivers. Rates vary depending on your county and certain driver characteristics.
Annual premiums can start at just a few hundred dollars for qualifying drivers.
How It Works
Check Your Eligibility
See whether you meet the program’s basic income, vehicle and driver requirements.
Speak With Us
We’ll answer your questions and help you understand the application process.
Apply for Coverage
If you qualify, we will assist you with your application, everything can be done over the phone
Why Apply With Bonanza Insurance Services?
Personal Assistance
Get help from a licensed California insurance agent.
Help With Eligibility
We’ll help you understand the program requirements.
Application Guidance
Get assistance navigating the application process.
Bilingual Service
Assistance available in English and Spanish.
Frequently Asked Questions
- Is this really a California state program?
The California’s Low Cost Auto (CLCA) Insurance Program is a state-sponsored program that makes insurance affordable for California residents who meet the eligibility requirements, regardless of immigration status. The program was designed to provide income-eligible, good drivers with liability insurance protection at affordable rates as a way to meet California’s mandatory auto insurance law. - How much does CLCA insurance cost?
The annual premiums in California vary by county, ranging from $199 to $986. In Los Angeles County the annual rate is $448 - What are the income requirements?
1 person – $39,900/year
2 people – $54,100/year
3 people – $68,300/year
4 people – $82,500/year
5 people – $96,700/year - Can I qualify if I currently don’t have insurance?
Yes - What are the payment options?
The yearly premium can be paid in full or installments 20% down and 7 monthly payments