Cost Auto Insurance Program

Cost Auto Insurance Program

Consumers – Please visit California’s Low Cost Automobile Insurance Program at our partner site www.starpointeinsurance.com or call 1-888-511-7228 to see if you qualify and locate a certified agent in your local area.

Get Reliable Insurance For Less

Why is This Program Important?

If you have a valid driver’s license and drive a vehicle, the law requires that you have auto insurance. California’s Low Cost Auto (CLCA) Insurance program is a state-sponsored program that makes auto insurance affordable, helping you drive responsibly and legally.

How Do I Sign Up?

• Complete the eligibility questionnaire below
• Then complete the application process
  • Now 100% online

  OR

  • Meet with a certified local agent at no cost

General Eligibility – Required:

• At least 16 years of age *Applicants under 18 must be legally emancipated
• Private passenger vehicle with at least 4 wheels
• California address where you reside and park your car
• A California Driver’s License – OR a pending license reinstatement OR an out-of-state license while you obtain your CA license. (AB 60 license is accepted)
• Current value of your vehicle is $25,000 or less
• No more than 2 vehicles registered in your name
• Students: OK if you file your own tax return OR must reside at parent’s residence if claimed as a dependent on their taxes. (will need to provide copy of tax return)
• Non-owned vehicles can be eligible with certain criteria

Can you meet these requirements?

“Good Driver” Eligibility

• In the past 3 years, you cannot have had an automobile accident where you were 51% at fault and someone was injured or killed
• You cannot have more than 1 point on your record

Income Qualification

• Your household income will need to fit within the current Federal Guidelines:

  These are the maximum income levels by household size for eligibility:

  • 1 Person — $37,650
  • 2 People — $51,100
  • 3 People — $64,550
  • 4 People — $78,000

  Add $13,450 to the maximum income for each additional person in the household.

  A “household” is defined as all persons listed on a federal or state income tax form.

• You will need to provide proof of eligibility, and your producer will assist you with this.

Can you meet these requirements?

Commercial Driving is Excluded

• Allowed: Vehicle will be used for personal use and commuting for work. Examples include travel to/from work locations and workplace, errands, groceries, driving kids around, vacations, and general personal use of vehicle.
  • Accepted: work/business use includes office-type, housekeepers, home health care, handyperson, temporary worker, and others/similar — ask the producer if you are not sure, as many will qualify.
  • Not Allowed:Vehicle for commercial use and transporting goods/materials for business.
    • Prohibited: trucking, delivery of goods and/or food, taxi cab and/or ride share programs, and similar commercial use of vehicle.

Can you meet these requirements?

Eligibility will ultimately be determined after review of the Plan rules, review by the California Automobile Assigned Risk Plan, and underwriting by the assigned insurance company.