California Low Cost Auto Insurance Program

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The State of California has in existence an automobile Liability insurance program (LCA) that assists people whose income is below a certain level to purchase insurance at greatly reduced rates. The objective is to give all residents of California the opportunity to be insured by providing affordable options.[1]

When you apply for the program, you have to meet certain income requirements. As an example, a single person cannot have income that exceeds an amount over 250% of the poverty level. Most states in the contiguous U.S. have a program like LCA.

The rates, or premiums, vary by county in the State of California. The down payment is 15% of the nominal premium. The payments are bi-monthly (every other month), and the remaining balance is divided into six installments.

Details on the LCA program can be found on the CA DMV website.


  1. ^ State of California. "California's Low Cost Auto Insurance Program". Retrieved 2017-03-24.