Menu
Contact Us Search
CA Department of Insurance

Consumers can now apply online for state’s low-cost auto insurance program

News: 2016 Press Release

For Release: February 1, 2016
Media Calls Only: 916-492-3566
Email Inquiries: cdipress@insurance.ca.gov
Consumers can now apply online for state’s low-cost auto insurance program
New online application for auto insurance that costs as low as $241 per year

SACRAMENTO, Calif. — Beginning today, income-eligible Californians shopping for low-cost auto insurance can apply online for the state-sponsored California Low Cost Automobile Insurance Program.

"Many Californians are working more than one job, or juggle family responsibilities that make it hard to visit the office of an insurance agent or broker," said Insurance Commissioner Dave Jones. "In addition to visiting an agent or broker to apply, Californians can now apply online at mylowcostauto.com."

Consumers who successfully complete the eligibility quiz now have the choice of applying online or using the existing methods of a follow-up phone call from a local insurance agent or printing a list of insurance professionals in the area to contact.

The annual premiums in California vary by county, ranging from $241 to $556. There are discounts if the consumer is a licensed driver with a good driving record for three consecutive years.

Last year, a new law by Senator Ricardo Lara (D-Bell Gardens) made it easier for newly licensed drivers, including those with AB 60 licenses to qualify for this affordable coverage.

Applicants must have a valid California driver license, own a vehicle valued at $25,000 or less, and be at least 19 years old. Income eligibility requirements per household are $29,425 for one person and $60,625 for a family of four. "We appreciate the hard work by our partners to bring this online application to consumers," said Jones.

The California Automobile Assigned Risk Plan, Richard Health & Associates, and producer Ken Goodwin of Pacific Preferred Insurance all worked to develop the online application.

Consumers should visit mylowcostauto.com to apply, or call 866-602-8861.

# # #

Media Notes: The Low Cost Automobile Insurance program has been open to income-eligible good drivers since 1999.

Income eligibility requirements per household are :

  • 1 person - $29,425
  • 2 people - $39,825
  • 3 people - $50,225
  • 4 people - $60,625

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

Basic Liability Policy limits are:

  • $10,000 bodily injury or death per person
  • $20,000 bodily injury or death per accident
  • $3,000 property damage liability per accident

For an additional charge of $21-$68 per year, consumers can add:

  • $1,000 medical payments per person
  • $10,000 uninsured motorist bodily injury per person
  • $20,000 uninsured motorist bodily injury per accident

The program does not offer comprehensive or collision coverage (coverage that will repair the driver's own vehicle after an accident) but this coverage can be purchased from an insurance agent.



The California Department of Insurance, established in 1868, is the largest consumer protection agency in California. Insurers collect $289 billion in premiums annually in California. Since 2011 the California Department of Insurance received more than 1,000,000 calls from consumers and helped recover over $394 million in claims and premiums. Please visit the Department of Insurance web site at www.insurance.ca.gov. Non-media inquiries should be directed to the Consumer Hotline at 800.927.HELP or 213.897.8921. Telecommunications Devices for the Deaf (TDD), please dial 800.482.4833.

Font Size: Translate: Español