California's Low Cost Auto Insurance Program Provides Affordable Insurance for Those Eligible

Auto insurance is a requirement if you have a valid driver's license and drive a vehicle in the state of California. The California Low Cost Auto (CLCA) Insurance program is a state-sponsored program that makes auto insurance more affordable to those meeting eligibility requirements.

To qualify, you must 1) have a valid California driver's license; 2) own a vehicle valued at $25,000 or less; 3) meet income eligibility guidelines; and 4) be at least 16 (under 18 must be legally emancipated) or older.

Maximum income requirements are based on the size of your household. As of 2026, that maximum is $39,125 for a household size of 1, $52,875 for two, $66,625 for three, $80,735 for four and so on.

Annual premiums vary by county. If you live in Ventura County, have been licensed continuously for 3 years and are not a 19-24 years of age and unmarried, your annual premium is $272 ($340 if you are an unmarried 19-24 year old).

While the premiums are great, the coverage is very limited. A basic policy includes only $10,000 per person and $20,000 per accident for bodily injury or death and up to $3,000 for property damage. Comprehensive and collision is not included in these policies.

Statutory minimum insurance requirements for California drivers is $30,000/$60,000 for bodily injury/death and $15,000 for property damage in 2025 through 2034, increasing to $50,000/$100,000/$25,000 in 2035.

Learn more and sign up at www.mylowcostauto.com.