Published: April 29, 2009

California’s Low Cost Automobile Insurance Program (2009)

Please note that you can now order the 2010 version booklet from us.

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 can qualify for California’s Low Cost Automobile Insurance Program if:

• you have a good driving record.
• you are at least 19 years of age.
• you have been licensed to drive for at least three years.
• you own a vehicle that is valued at $20,000 or less.
• your income qualifies.
• you live in one of the qualifying counties.

Income Eligibility

HOUSEHOLD SIZE	MAXIMUM INCOME
1 PERSON	$27,075
2 PEOPLE	$36,425
3 PEOPLE	$45,775
4 PEOPLE	$55,125
5 PEOPLE	$64,475
6 PEOPLE	$73,825
7 PEOPLE	$83,175
8 PEOPLE	$92,525

• 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 5/11/2009, the annual premium for these 58 counties are:

County of Residence	Liability Premium	County of Residence	Liability Premium
Alameda	$272.00	Orange	$295.00
Alpine	$274.00	Placer	$284.00
Amador	$262.00	Plumas	$241.00
Butte	$233.00	Riverside	$262.00
Calaveras	$232.00	Sacramento	$361.00
Colusa	$252.00	San Benito	$253.00
Contra Costa	$267.00	San Bernardino	$274.00
Del Norte	$243.00	San Diego	$264.00
El Dorado	$263.00	San Francisco	$302.00
Fresno	$258.00	San Joaquin	$278.00
Glenn	$255.00	San Luis Obispo	$226.00
Humboldt	$237.00	San Mateo	$287.00
Imperial	$161.00	Santa Barbara	$231.00
Inyo	$253.00	Santa Clara	$261.00
Kern	$254.00	Santa Cruz	$213.00
Kings	$222.00	Shasta	$242.00
Lake	$217.00	Sierra	$272.00
Lassen	$269.00	Siskiyou	$216.00
Los Angeles	$368.00	Solano	$271.00
Madera	$223.00	Sonoma	$251.00
Marin	$274.00	Stanislaus	$307.00
Mariposa	$251.00	Sutter	$279.00
Mendocino	$224.00	Tehama	$235.00
Merced	$238.00	Trinity	$253.00
Modoc	$258.00	Tulare	$209.00
Mono	$259.00	Tuolumne	$249.00
Monterey	$251.00	Ventura	$267.00
Napa	$198.00	Yolo	$257.00
Nevada	$243.00	Yuba	$260.00

*Unmarried males between the ages of 19 and 24 years of age will be assessed a 25% surcharge.

Call Today!
1-866-602-8861

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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Keywords

Auto Insurance, Low Income Insurance, Cars

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Insurance   ♦   Cars   ♦  

Copyright

© 2009 California Department of Insurance.

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