Questionnaire - California's Low Cost Insurance

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CLCA helps income eligible California residents afford the basic insurance needed to drive legally and responsibly. Take this brief questionnaire to see if you qualify, and if so, apply online or select an agent for follow-up.

By clicking NEXT you are agreeing to the Terms and Conditions of California's Low Cost Auto Insurance program Privacy Policy and Privacy Notice. You may view the Privacy Notice by clicking the button labeled “Privacy Policy” located in the upper right hand corner of this web page.

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General Eligibility - Required:

At least 16 years of age *Applicants under 18 must be legally emancipated
Private passenger vehicle with at least 4 wheels
California address where you reside and park your car
A California Driver’s License – OR a pending license reinstatement OR an out-of-state license while you obtain your CA license. (AB 60 license is accepted)
Current value of your vehicle is $25,000 or less
No more than 2 vehicles registered in your name
Students: OK if you file your own tax return OR must reside at parent’s residence if claimed as a dependent on their taxes. (will need to provide copy of tax return)
Non-owned vehicles can be eligible with certain criteria

Can you meet these requirements?

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“Good Driver” Eligibility

In the past 3 years, you cannot have had an automobile accident where you were 51% at fault and someone was injured or killed
You cannot have more than 1 point on your record

If you'd like to review your driving record, click Here to access your DMV record for $2.00.

Can you meet these requirements?

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Income Qualification

Your household income will need to fit within the current Federal Guidelines:
These are the maximum income levels by household size for eligibility:
- 1 Person --
- 2 People --
- 3 People --
- 4 People --
Add to the maximum income for each additional person in the household.
A “household” is defined as all persons listed on a federal or state income tax form.
You will need to provide proof of eligibility, and your producer will assist you with this.

Can you meet these requirements?

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Commercial Driving is Excluded

Allowed: Vehicle will be used for personal use and commuting for work. Examples include travel to/from work locations and workplace, errands, groceries, driving kids around, vacations, and general personal use of vehicle.

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- Accepted: work/business use includes office-type, housekeepers, home health care, handyperson, temporary worker, and others/similar -- ask the producer if you are not sure, as many will qualify.
Not Allowed: Vehicle for commercial use and transporting goods/materials for business.

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- Prohibited: trucking, delivery of goods and/or food, taxi cab and/or ride share programs, and similar commercial use of vehicle.

Can you meet these requirements?

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There are a few more questions to answer. These questions are optional, click next to opt out and complete your eligibility questionnaire.

Your age?

Your race?

How did you hear about this program?

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