Question 1

What is the cheapest car insurance in California?

Accepted Answer

The California Low Cost Automobile Insurance Program (CLCA) is the cheapest legal car insurance in California, with liability coverage starting at $199 per year. It is a state-sponsored program established by the California Legislature in 1999 for income-eligible drivers. Josie's Insurance Services, based in Murrieta, CA, helps drivers in all 58 California counties enroll. Call (800) 989-5209 to check eligibility.

Question 2

Who qualifies for California Low Cost Auto Insurance (CLCA)?

Accepted Answer

To qualify for CLCA you must be a California resident, have a valid California driver's license, be at least 16 years old, own a vehicle worth $25,000 or less, and meet income limits (currently up to 250% of the federal poverty level). You also need a clean driving record with no felony or misdemeanor convictions on your driving record.

Question 3

How much does CLCA insurance cost in California?

Accepted Answer

CLCA liability premiums range from $199 to about $500 per year depending on the county. Los Angeles County and San Francisco County are at the higher end, while most other California counties fall between $199 and $350 per year for the basic liability policy.

Question 4

How do I apply for California Low Cost Auto Insurance?

Accepted Answer

Apply through a licensed California producer like Josie's Insurance Services. Call (800) 989-5209, submit proof of income, California residency, a valid CA driver's license, and vehicle registration. A licensed agent verifies eligibility, quotes your county rate, and binds coverage the same day in most cases.

Question 5

Where is Josie's Insurance Services located?

Accepted Answer

Josie's Insurance Services is headquartered at 41197 Golden Gate Circle, Suite 102, Murrieta, CA 92562. The agency is licensed by the California Department of Insurance (CA Producer License #0E05501) and serves drivers statewide across all 58 California counties by phone at (800) 989-5209.

Question 6

Is CLCA real California state insurance?

Accepted Answer

Yes. The California Low Cost Automobile Insurance Program is a real program established by the California Legislature (Assembly Bill 1607, 1999) and administered by the California Department of Insurance through the California Automobile Assigned Risk Plan (CAARP). Policies are issued by licensed California carriers and satisfy the state's financial responsibility laws.

California CARS Act 2026