Published: January 31, 2008
California’s Low Cost Automobile Insurance Program (2008)
California law requires all drivers to have auto insurance.
If you drive without insurance you could:
- have your vehicle registration suspended.
- have your license suspended.
- have your car impounded.
- be fined.
Are you driving without insurance because you can’t afford the rates?
The State of California has developed a program to help income eligible good drivers get low cost automobile insurance for under $400 a year. (Liability only)
Policies are issued by California licensed insurance companies. California’s Low Cost Automobile Insurance policies satisfy the state’s liability insurance requirement.
You can qualify for California’s Low Cost Automobile Insurance Program if:
- you have a good driving record.
- you are at least 19 years of age.
- you have been licensed to drive for at least three years.
- you own a vehicle that is valued at $20,000 or less.
- your income qualifies.
- you live in one of the qualifying counties.
Income Eligibility
| HOUSEHOLD SIZE | MAXIMUM INCOME |
|---|---|
| 1 PERSON | $25,525 |
| 2 PEOPLE | $34,225 |
| 3 PEOPLE | $42,925 |
| 4 PEOPLE | $51,625 |
| 5 PEOPLE | $60,325 |
| 6 PEOPLE | $69,025 |
| 7 PEOPLE | $77,725 |
| 8 PEOPLE | $86,425 |
County Premiums*
In 2008, Low Cost Program expands to a total of 58 counties.
| Alameda | $318.00 | Mariposa | $279.00 | San Luis Obispo | $226.00 |
| Alpine | $311.00 | Marin | $297.00 | San Mateo | $303.00 |
| Amador | $280.00 | Mendocino | $260.00 | Santa Barbara | $220.00 |
| Butte | $253.00 | Merced | $267.00 | Santa Clara | $286.00 |
| Calaveras | $275.00 | Modoc | $292.00 | Santa Cruz | $252.00 |
| Colusa | $284.00 | Mono | $286.00 | Shasta | $260.00 |
| Contra Costa | $313.00 | Monterey | $210.00 | Sierra | $297.00 |
| Del Norte | $285.00 | Napa | $277.00 | Siskiyou | $259.00 |
| El Dorado | $285.00 | Nevada | $263.00 | Solano | $304.00 |
| Fresno | $295.00 | Orange | $308.00 | Sonoma | $270.00 |
| Glenn | $288.00 | Placer | $314.00 | Stanislaus | $354.00 |
| Humboldt | $263.00 | Plumas | $276.00 | Sutter | $291.00 |
| Imperial | $208.00 | Riverside | $243.00 | Tehama | $280.00 |
| Inyo | $271.00 | Sacramento | $378.00 | Trinity | $288.00 |
| Kern | $236.00 | San Benito | $274.00 | Tulare | $222.00 |
| Kings | $273.00 | San Bernardino | $280.00 | Tuolumne | $279.00 |
| Lake | $268.00 | San Diego | $265.00 | Ventura | $280.00 |
| Lassen | $286.00 | San Francisco | $336.00 | Yolo | $286.00 |
| Los Angeles | $350.00 | San Joaquin | $292.00 | Yuba | $286.00 |
| Madera | $253.00 | ||||
*Unmarried males between the ages of 19 and 24 years of age will be assessed a 25% surcharge.
Call Today!
1-866-602-8861
The State of California’s Low Cost Automobile Insurance Program is brought to you by the California Department of Insurance and administered by the California Automobile Assigned Risk Plan.
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California’s Low Cost Automobile Insurance Program (2008)
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Keywords
Auto Insurance, Low Income Insurance, Cars
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© 2008 California Department of Insurance.