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What is the California Low Cost Automobile Insurance Program(CLCA)?

The primary goal of the California Low Cost Automobile Insurance Program (CLCA) is to provide an affordable auto insurance option to low-income good drivers.

California Law requires that all drivers be insured. However, too many low-income drivers remain uninsured because the costs of standard insurance premiums are beyond their financial reach.

The California Low Cost Automobile Insurance Program provides affordable liability only auto insurance that meets the state's financial responsibility laws.

The program is administered by the California Automobile Assigned Risk Plan and policies are written by California Licensed Insurance Companies.

The CLCA program is not subsidized by taxpayers. Rates are set and adjusted annually in each county so that the premiums collected are sufficient to cover losses and expenses in each county.

The California Low Cost Automobile Insurance Program is now available statewide. The Commissioner has determined that there is a need for this program in the final 16 counties.    All of the counties are now listed below:

All California Counties are Now Eligible and Listed Below:

• Installment plans are available for as little as 15%, with the balance payable in up to six payments.
• Optional Uninsured Motorists and Medical Payments coverage are also available; for more information about these coverages call 1-866-60-Auto-1.
• A 25% Surcharge is added to the base rate for unmarried, male drivers ages 19-24.

Who is eligible for the California Low Cost Automobile Insurance Program?

To be eligible for the CLCA program: you must meet the following requirements:

• Be able to meet low-income requirements (1 person = $26,000, 2 persons = $35,000, 4 persons = $53,000, 8 persons = $89,000)
• Meet the good driver standard (no more than one at-fault property damage only accident or more than one point for moving violation in the past three years)
• Applicant has not had an at fault accident involving bodily injury or death in the past 3 years.
• Be at least 19 years old
• Have been continuously licensed to drive for the past three years
• Have a vehicle valued at less than the $20,000

Good Drivers Are Defined As (See Chart):

Applicant Income Eligibility Requirement (see chart):

How do I sign up?

This program is administered by the California Automobile Assigned Risk Plan.  To receive more information about how to sign up, please call the CLCA hotline at: 1-866-602-8861.

resort. I have had 2 perfectly good cars well maintained. Both cars the timing belt broke and bent the rods in the engine or something like that anyway. Whatever happened they have both ended up in the junk yard. I have put a down payment on a car. (non-refundable). I didn't realise how much the insurance was going to cost. I immediatly began looking for babysitters for a part-time job and wow they all want more than i can afford. Why would I want to leave my kids for like 75 dollars a week? If that much would be left over after I paid the sitter. So then I decided I would put out some ads for babysitting in my home evenings and weekends. I have not got any responses. Then I thought I'd sell stuff on ebay. That would be great if I had something to sell! School is starting soon and my 5 year old basically has enough clothes that are suitable for school all he needs is a backpack a haircut and shoes. However my 10 year old needs all new clothes, a backpack, shoes, and a haircut. My kids received 2 kittens for easter that I need to have fixed I have the paws voucher but my car broke down on the way to the vet so I never made it there with them. If I don't do something soon we will end up with a litter of kittens or a male cat with spraying problems. (can't have a cat like that in the house!) It would crush my kids if I had to get rid of him! Now I've got a leaky pipe under my sink that I didn't notice right away so it soaked the wood under the sink and mold grows there i am trying to dry it out but not working I have a big bowl under there to collect the water but it seems to keep leeking faster. I would ask for a loan but the way things are looking there is no way I would be able to pay it back. winter is coming and I'm going to need to fill up the tank with kerosene. (ran out last year). i have a propane dryer that when I turn it on the trailor smells of propane so I have been using my old apartment sized one. But it's not vented. I'm going to have to start shelling out lunch money for two kids they get reduced lunch but I'm barely going to have anything left out of my check after the car payment and insurance plus all my normal bills. I plan on only making payments on the car until Februaray when I get my income tax check then I would like to pay it off to save money on the interest and also reduce the insurance price a bit. I just don't know what to do until then. I have applied for foodstamps but I make a couple dollars to much. In order to get into school my 5 year old need a physical and vaccines and an eye exam. They both need to have physicals for the before and after school program they attend or they will be kicked out leaving me with no childcare. Their regular doctors office can't get them in untill october school start in august. So I need to take them to concentra to get the physicals and forms filled out then take them to the department of health for vaccines. I have no idea how I am going to get all this done. If anyone can help even just a little I would really appreciate it. I work full time I am not lazy. Who knows what going to come up over the next few months. I'm just scared I have made a huge mistake but I need a car. what am I suposed to do?

i moved to floida 10 months ago i started off doing really well i was taking care of my two kids two nieces and mother but i worked a a resort for timeshares and we hit a slow season i managed to cover my bills with my income check i started looking for a second job to help in the prosses i lost my other job now i am behind on all bills and am i need of help paying my electric, water and car insurance,

I am behind inall my bills.

Con Ed is coming for my meter tommorrow.  My car loan is

behind 2  months.  I  had my car insurance cancelled for none

payment.  I am so far behind in credit card payments I cannostart to list there problems.

I need help to pay my bills and I cannot get any loans to assist in my problems.

If there is anyone out there please send me help.

Thanks

I will be able to pay back  any assistance in

small monthly payments if help is granted>

To all that are willing to help me

thanks for your assistance. I also have two children

and wife who appriate all the help. 

Hello i am a single mother,  my son is 19 yrs old has bi-polar disorder, I raised him by myself for 19 years always tried to give him the best i could , i truth fully have not bought myself a pair of sneakers in about 7 years , my son got everything i got nothing clothing or anything very rarely i'd buy an outfit, at least my work clothes re bought through the company, but anyway  All in all this has caused a major financial strain on me i have 2 loans out right now , i have 2 cars and both of them are held as collateral, this is what the main problem is right now  because i had to use them for collteral my car insurance  went up i haev my son on my insurance as well bt i am paying 300.00 a month car insurance , not a one accident my either me or my son what i want to do is pay off these two loans so i can get my car insurance to liability only which would in turn knock my car insurance lower  i owe a total of  4200.00 so i can be compfortable again is there anyone out there that can help me out in anyway? 

Hi. I have been having a spell of really bad luck for the past 9 weeks. I have a seasonal job, (the only kind of work for my area) which pays fairly well when the time is good, but not in the winter months. My extra source of income for this time of year suddenly was shut down due to health issues with my employer, so things have been extremely hard the last few months. I have managed to hold my head above water on all my basic bills except two. My phone and my car insurance. These two add up to $360. Things will get back on track in March, but in the meantime, I really need some help to get there. Please do what you can. It is so difficult to ask for help, but I can't communicate without the phone service (a land line not a cell phone), and I can't drive without my insurance. It has been so hard this far, please help if you can. I know that better days are coming, but as they say, it is always darkest before the dawn. Please help me get there in one piece. Thanks so much, and bless you all.

Hello,

I am seeking assistance to help pay car insurance this month. I am full time student and have just started working at a call center but will not be paid for two weeks, the payment is due tomorrow 5/11/06. If I cannot pay the insurance will lapse and I will not be able to get to work or the last days of finals. I am looking for any assistance, a mirco-loan for the $166.00 that I will be able to repay in two weeks and will be willing to sign a promisary note to that effect. If anyone can help please contact me at lovelyskater20@yahoo.com. Thank you 

I need financial assistance to help cover my rent, car payment, utilities, car insurance and telephone bill for this month.  I recently lost my job and what I had saved in the bank to cover emergency expenses is now depleted. I have noone to help me and i'm very concerned that I may become homless before my search for employment becomes fruitful.