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Published: May 17, 2012

California’s Low Cost Automobile Insurance Program

The State of California has developed this program to provide income eligible, good drivers with access to affordable automobile liability insurance. The policies are issued by California licensed insurance companies. California state law provides that a California Low Cost Automobile Insurance policy satisfies financial responsibility laws.

California law requires all drivers to have auto insurance.
If you drive without insurance you could:

• have your vehicle registration suspended.
• have your license suspended.
• have your car impounded.
• be fined.

Are you driving without insurance because you can’t afford the rates?

The State of California has developed a program to help income eligible good drivers get low cost automobile insurance for under $400 a year. (Liability only)

Policies are issued by California licensed insurance companies. California’s Low Cost Automobile Insurance policies satisfy the state’s liability insurance requirement.

You may qualify for California’s Low Cost Automobile Insurance Program if you:

• Have a good driving record
• Are at least 19 years of age
• Have been continuously licensed to drive for at least three years
• Own a vehicle that is valued at $20,000 or less
• Meet the income eligibility requirements

Income Eligibility (effective 5/15/12)

HOUSEHOLD SIZE	MAXIMUM INCOME
1 PERSON	$27,925
2 PEOPLE	$37,825
3 PEOPLE	$47,725
4 PEOPLE	$57,625
5 PEOPLE	$67,525
6 PEOPLE	$77,425
7 PEOPLE	$87,325
8 PEOPLE	$97,225

• Eligibility is based on the household’s gross annual income which must be 250% or less of the federal poverty level.
• A “Household” is all persons who occupy a housing unit and who are related by blood, marriage, adoption or guardianship (i.e., members of one family). If more than one family is living in the same housing unit, they constitute different families for eligibility purposes even though they reside at the same address.

County Premiums*

Effective 5/15/2012, the annual premium for these 58 counties are:

County of Residence	Liability Premium	County of Residence	Liability Premium
Alameda	$287.00	Orange	$347.00
Alpine	$248.00	Placer	$248.00
Amador	$248.00	Plumas	$256.00
Butte	$256.00	Riverside	$248.00
Calaveras	$248.00	Sacramento	$287.00
Colusa	$256.00	San Benito	$231.00
Contra Costa	$287.00	San Bernardino	$248.00
Del Norte	$256.00	San Diego	$248.00
El Dorado	$248.00	San Francisco	$287.00
Fresno	$231.00	San Joaquin	$287.00
Glenn	$256.00	San Luis Obispo	$231.00
Humboldt	$256.00	San Mateo	$287.00
Imperial	$248.00	Santa Barbara	$231.00
Inyo	$248.00	Santa Clara	$287.00
Kern	$248.00	Santa Cruz	$231.00
Kings	$231.00	Shasta	$256.00
Lake	$256.00	Sierra	$248.00
Lassen	$256.00	Siskiyou	$256.00
Los Angeles	$347.00	Solano	$256.00
Madera	$231.00	Sonoma	$256.00
Marin	$287.00	Stanislaus	$287.00
Mariposa	$248.00	Sutter	$287.00
Mendocino	$256.00	Tehama	$256.00
Merced	$231.00	Trinity	$256.00
Modoc	$256.00	Tulare	$231.00
Mono	$248.00	Tuolumne	$248.00
Monterey	$231.00	Ventura	$248.00
Napa	$256.00	Yolo	$256.00
Nevada	$248.00	Yuba	$248.00

*If there is a single male driver in the household who is 19-24 years old the liability rate is surcharged.

Call Today!
1-866-602-8861
mylowcostauto.com

The State of California’s Low Cost Automobile Insurance Program is brought to you by the California Department of Insurance and administered by the California Automobile Assigned Risk Plan.

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California’s Low Cost Automobile Insurance Program
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Filed Under

Automobiles   ♦   Insurance   ♦  

Copyright

© 2012 California Department of Insurance.