Affordable coverage through California's Low Cost Auto Insurance Program (CLCA)
Annual Premium
250% FPL or Below
CA Sponsored
Meets State Minimum
To qualify for the California Low Cost Auto Insurance Program, you must meet the following criteria:
Household income at or below 250% of Federal Poverty Level
Vehicle must be worth $25,000 or less
Clean driving record with no at-fault accidents
Must have a valid California driver's license
CLCA provides liability-only coverage with state minimum limits:
CLCA is a state-sponsored program that provides affordable liability insurance to income-eligible California drivers who meet certain requirements. It's designed to help low-income drivers comply with California's mandatory auto insurance law.
Annual premiums typically range from $200 to $350, depending on your county of residence. This is significantly lower than standard auto insurance rates.
No, CLCA only provides liability coverage (bodily injury and property damage). It does not cover damage to your own vehicle. You may want to consider additional coverage if you need protection for your vehicle.
Visit NITRA Agency in person or call us. We'll help you determine eligibility, gather required documents, and submit your application. The process typically takes 1-2 weeks for approval.
Our bilingual team will help you determine if you qualify for the CLCA program and guide you through the application process.
Walk-ins welcome • Habla Español • No appointment needed
Visit us at our Hawaiian Gardens or Gardena location
Hours may vary by service—please call to confirm.