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Get Affordable Car Insurance with 

California’s Low Cost Auto Program  

Call now 619-297-4111 or 619-280-1700

Are you struggling to afford car insurance in California? You're not alone. At California Low Cost Insurance, we're proud to connect drivers with state-sponsored auto insurance that’s reliable, affordable, and legal. As a trusted provider of the California Low Cost Auto Insurance Program (CLCA), our goal is simple: help low-income California drivers get the coverage they need without breaking the bank.

What Is the California Low Cost Auto Insurance Program?

The California Low Cost Auto Insurance Program (CLCA) is a state-run initiative designed to help income-eligible drivers get affordable liability coverage that meets legal requirements. This program ensures that California residents can drive legally and safely—even on a tight budget.

Created by the California Legislature, the CLCA program helps good drivers avoid uninsured penalties while staying protected on the road. It’s especially helpful for:

  • First-time drivers

  • Students

  • Part-time workers

  • Low-income families

  • Seniors on fixed incomes

Who Qualifies for CLCA?

To qualify, you must:

✅ Be at least 16 years old with a valid California driver’s license
✅ Own a vehicle valued at $25,000 or less
✅ Meet income eligibility requirements (e.g., $37,650/year or less for a single person in 2024)
✅ Have a clean driving record (no more than one point in the last 3 years)
✅ Not have any other auto insurance

What’s Covered?

CLCA offers basic liability insurance that satisfies California’s financial responsibility laws. Coverage includes:

  • Bodily Injury Liability:
    $10,000 per person / $20,000 per accident

  • Property Damage Liability:
    $3,000 per accident

Optional upgrades include:

  • Uninsured motorist coverage

  • Medical payments coverage

Why Choose California Low Cost Insurance?

We’re more than just a local agency—we’re your direct connection to the California Low Cost Auto Insurance Program. Here’s why drivers across San Diego and Southern California trust us:

🔹 Decades of experience working with CLCA
🔹 Bilingual agents who explain your coverage clearly
🔹 Same-day quotes and enrollments
🔹 Walk-ins Welcomed
🔹 Two convenient numbers—real people ready to help

We’ve helped hundreds of drivers in San Diego and throughout California qualify and enroll. You don’t need to navigate the process alone we handle everything for you. Call 619-297-4111 or 619-280-1700.

Get Covered Today — It's Quick and Easy

Don’t wait another day without protection. If you’re ready to find out whether you qualify for California’s Low Cost Auto Insurance Program, give us a call:

📞 619-297-4111
📞 619-280-1700

Our friendly, local experts will walk you through every step. No pressure, no confusion—just affordable insurance made simple.

Let’s Get You Insured for Less

At California Low Cost Insurance, we believe everyone deserves access to affordable car insurance. Let us help you protect what matters most, stay legal, and save money.

Call today and ask about the Low Cost Auto Program! 619-297-4111 or 619-280-1700

California Low Cost Insurance – San Diego’s trusted source for CLCA auto coverage.

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