1
Eligibility screening
Review valid California license, income, vehicle value, age, and driving record requirements.
NITRAAgency
Low-income auto insurance and CLCA help
Review California Low Cost Auto eligibility, basic liability coverage, optional add-ons, required documents, and whether the program fits your household.
California Low Cost Auto
A state program can help, but eligibility has to be checked carefully
Built for local insurance questions
A state program can help, but eligibility has to be checked carefully
California Low Cost Auto is designed for income-eligible good drivers who need affordable liability coverage. NITRA helps you understand the official qualifications, what the basic policy covers, and what it does not cover before you apply.
Program
California Low Cost Auto
Vehicle value
$25,000 or less
Basic limits
10/20/3 liability
2
Basic coverage explained
Understand the CLCA 10/20/3 liability limits and optional uninsured motorist bodily injury and medical payments choices.
3
Physical damage warning
CLCA basic policies do not cover theft or physical damage to your own vehicle.
4
Application next step
Bring household, driver, and vehicle details so the office can guide the next application step.
What this covers
CLCA coverage basics
Official CLCA materials describe basic liability coverage and optional add-ons.
Basic liability: up to $10,000 bodily injury/death per person
Basic liability: up to $20,000 bodily injury/death per accident
Basic liability: up to $3,000 property damage
Optional uninsured motorist bodily injury when available
Optional medical payments of $1,000 per person injured
No theft or physical damage coverage for your own vehicle under the basic CLCA policy
Before you call
What to bring for CLCA questions
Eligibility depends on household, driver, vehicle, and program rules.
- 1Valid California driver license information
- 2Household size and income details for the eligibility review
- 3Vehicle year, make, model, VIN, and estimated value
- 4Current registration, title, or ownership details
- 5Driving record questions, new driver details, or accident/ticket history
- 6Questions about optional uninsured motorist or medical payments coverage
Clear next step
CLCA review path
The goal is practical: bring the right details, compare the right coverage, and leave knowing who follows up.
Check eligibility
Confirm license, income, vehicle value, age, and driving record requirements.
Review coverage limits
Make sure the lower CLCA limits and lack of physical damage coverage fit your situation.
Prepare application details
Gather household, vehicle, and driver details before submitting the next step.
Local offices
Choose the office closest to you.
Hawaiian GardensHawaiian Gardens
21130 Norwalk Blvd
Hawaiian Gardens, CA 90716
Mon-Fri: 10AM-6PM|Saturday: 10AM-2PM
GardenaGardena
1124 W Redondo Beach Blvd, Unit F
Gardena, CA 90247
Mon-Fri: 10AM-6PM|Saturday: 10AM-3PM
Questions answered
Frequently asked questions
Who qualifies for California Low Cost Auto?
Official CLCA qualifications include a valid California driver license, income eligibility, a vehicle valued at $25,000 or less, age requirements, and a good driving record or new-driver status.
Does CLCA cover damage to my own vehicle?
The official CLCA coverage page says the affordable policies do not provide theft or physical damage coverage for your own vehicle.
Can one person insure more than one car through CLCA?
Official CLCA materials say an individual car owner may buy separate policies for up to two vehicles under the program.
Can NITRA compare CLCA with regular liability?
Yes. NITRA can help you understand whether CLCA or a standard liability quote better fits your eligibility, coverage needs, and budget.
Related local services
Keep insurance questions connected.
Many visits involve more than one question: insurance, SR-22, CLCA, registration proof, or DMV paperwork.
01
Auto insurance in Hawaiian Gardens and Gardena
Compare liability, broader protection, SR-22, CLCA, discounts, proof of insurance, and policy support with a local bilingual team before you choose.
View service02Liability auto insurance explained clearly
Review California's current liability minimums, what bodily injury and property damage cover, and when higher limits may make sense.
View service03Full coverage auto insurance questions
Compare liability plus comprehensive and collision, deductible choices, lender requirements, rental reimbursement, roadside, and proof details.
View service04SR-22 insurance help in Hawaiian Gardens and Gardena
Review DMV or court notice details, owner or operator policy questions, proof timing, reinstatement steps, and how to keep the filing connected to active coverage.
View serviceStart with the basics
Send the details agents need to compare your options.
The request goes to the NITRA team with your preferred office, vehicle details, coverage goal, and consent record.
Source-backed notes
Official references used for this page
Coverage, eligibility, filings, and DMV outcomes still depend on your facts, carrier rules, underwriting, and official agency records.
2 Locations to Serve You
Visit us at our Hawaiian Gardens or Gardena location
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21130 Norwalk Blvd, Hawaiian Gardens, CA 90716View location page
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Mon-Fri: 10AM-5PM • Sat: 10AM-2PM
Hours may vary by service—please call to confirm.
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