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Santa Ana, Orange County

California Low Cost Auto Insurance Program (CLCA) in Santa Ana

The state-approved California Low Cost Automobile Insurance Program provides liability coverage for income-qualified Santa Ana drivers. We are CDI-certified to place CLCA policies.

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State-approved Low Cost Auto Insurance Program

Liability coverage at program-set rates

CDI-certified producers

Income and driving-record eligibility

Spanish-speaking assistance available

The California Low Cost Automobile Insurance Program (CLCA) is a state-sponsored program administered by the California Department of Insurance that provides liability coverage at fixed, program-set rates for income-qualified California residents who meet the eligibility requirements. one of the highest uninsured-motorist percentages in Southern California. Many Santa Ana drivers who have been quoted out of standard-market pricing are eligible for CLCA and do not know it exists.

Santa Ana & Orange County

CLCA was created because a meaningful share of California drivers are priced out of the voluntary insurance market — not because they're bad drivers, but because of income, credit, or specific circumstances. The program sets uniform liability rates by county, limits coverage to California state minimums, and is only available through CDI-certified producers. It is not advertised by the big national carriers because it's a state program, not a carrier product. Most people who qualify only hear about it when they ask a specialist broker.

Coverage

CLCA provides Liability coverage at the California state minimum limits (which carriers must offer; higher limits are not available through this program). Uninsured/underinsured motorist bodily injury is available as an option. The program does not provide comprehensive, collision, or any physical damage coverage for the vehicle itself — it's specifically a liability-only program. Rates are set by the state, not individual carriers, and vary by county. Orange County rates are published by CDI and identical across every CDI-certified producer.

Call (619) 363-4466 to check your CLCA eligibility in Santa Ana. Eligibility is based on household income (currently at or below a threshold set by the CDI, approximately 250% of the federal poverty level), vehicle value (the car must be valued under the program's cap), driving record (generally no at-fault serious accidents or major violations in the past three years), and being at least 16 years old with a valid California driver's license. Exact current thresholds are set by CDI and we'll confirm yours on the call.

(619) 363-4466Get a Free Quote

Frequently Asked Questions

What is the California Low Cost Auto Insurance Program?▾
CLCA is a state-sponsored liability insurance program run by the California Department of Insurance to make auto liability coverage affordable for income-qualified California drivers. The program sets its own rates by county and provides California state minimum liability coverage. It is only available through CDI-certified producers.
Who is eligible for CLCA?▾
Eligibility is set by CDI and includes (currently) household income at or below a specified threshold (approximately 250% of the federal poverty level), a valid California driver's license, at least 16 years old, no felony convictions for driving-related offenses, a clean-enough driving record (generally no at-fault serious accidents or major violations in the past three years), and a vehicle valued under the program's cap. The specific thresholds are reset by CDI periodically — we'll confirm current eligibility on a call.
What does CLCA cover?▾
CLCA provides California state minimum bodily injury and property damage liability coverage. Uninsured/underinsured motorist bodily injury coverage is offered as an option. The program does not cover physical damage to your own vehicle — no comprehensive, no collision. If you need full coverage, CLCA is not the right program and we'd look at the standard or non-standard market for you.
How much does CLCA cost in Santa Ana?▾
CLCA rates are set by CDI by county. Annual premiums in Orange County are published by CDI and are the same across every CDI-certified producer — nobody can offer you a "discount" on CLCA because the rates are state-set. For most eligible drivers in Santa Ana, CLCA is significantly cheaper than the standard market.
Can I buy CLCA directly from the state?▾
No — CLCA is administered by participating carriers through CDI-certified producers. You cannot walk into a DMV or DOI office and buy it. Auto World Insurance is a CDI-certified CLCA producer, so we can place the policy if you qualify.

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Nearby cities

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(619) 363-4466

Rates and averages shown are estimates based on general data. Actual rates depend on carrier underwriting and may vary. This is not a binding quote or an offer of coverage.

Auto World Insurance Services · 13910 Lyons Valley Road, Jamul, CA 91935 · (619) 363-4466 · Privacy · Terms · CA Lic. #6005606

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