All About the California Low Cost Auto Insurance Program

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The California Low Cost Auto Insurance (CLCA) Program is a system that helps provide car insurance to people who wouldn’t otherwise have access to any. The CLCA Program was established in 1999 with the goal of making sure that all Californians can have their cars insured, regardless of situation and socioeconomic status.
To date, the CLCA Program has done a wonderful job of making sure that the cars of all Californians remain insured, thus promising that the roads will be safe and insured for all. While the CLCA isn’t actually an insurance provider, they work with car insurance companies to make sure that Californians can afford car insurance. If you are a California driver without car insurance, or a resident who struggles to pay your insurance premiums, you may be curious about the CLCA Program. Here’s everything that you need to know.

What does the CLCA Program cover?

Coverage limits from the CLCA Program are a bit lower than standard policies, and are technically lower than the minimum requirements in California, though they still cover financial responsibility and are therefore legal.
No collision or comprehensive coverage is offered by the CLCA program, but the basic liability coverage covers up to $10,000 per person and $20,000 per car for bodily injury, and up to $3,000 per accident for property damage. An optional uninsured motorist bodily injury policy also covers $10,000 per person and $20,000 per car, while the optional medical payment policy covers up to $1,000 per person.

How much does it cost?

Unlike with standard insurance packages, the CLCA Program offers mostly fixed rates, though the rates vary depending on what part of California you live in. That said, there are two factors that can increase rates: single male drivers between the ages of 19 and 24 are charged an additional 25% of the base rate, while drivers with fewer than three years behind the wheel are charged an additional 30% (drivers that fit both of these categories are only charged an additional 30%).
The base annual rate of insurance through the CLCA Program is usually in the low to mid-$200s, though each county has its own rate (San Diego County, for instance, is $225, while San Francisco County is $261). The exceptions to the price range are Los Angeles County and Orange County, which have a base rate of $363.
The optional medical payments policy is usually in the mid-$20s, while the optional uninsured motorist policy is generally in the mid-$30s.

Who is eligible?

The CLCA Program is designed to help drivers who cannot afford automotive insurance, so the eligibility requirements reflect that. First and foremost, drivers cannot make more than 250% of the federal poverty level. That means that a single person household must make less than $29,425, while a family of four cannot make more than $60,625.
All CLCA Program drivers must be at least 19-years old, and cannot be listed as anyone’s dependent. They must also have a California driver’s license, or an AB60 license, and all of the cars in their household must be insured through the CLCA Program.
Finally, drivers cannot have had 2 or more moving violations, 2 or more at-fault accidents, or an at-fault accident causing injury or death within the last three years.

How do I apply for the CLCA Program?

Application for the CLCA Program is easy – you just have to contact them, determine that you’re eligible, and you’re good to go. You can do this online, or by calling 1 (866) 602-8861.
Thanks to the CLCA Program, auto insurance is more accessible and affordable to many Californians. If you’re eligible, you can get started saving money, while still being a responsible driver, straight away.

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