The CALIFORNIA LOW COST AUTOMOBILE INSURANCE PROGRAM (LCA) was
implemented in 2000 by the California Legislature to address the problem of
uninsured motorists in the state. The purpose of this program is to provide
affordable automobile liability insurance to eligible drivers who
demonstrate financial need, and meet other program qualification
requirements. California's Low Cost Automobile Insurance program is
administered by the California Automobile Assigned Risk Plan (CAARP). Low
Cost Automobile applications are assigned to insurance companies from
CAARP's administrative office. Licensed fire & casualty agents, or
producers are certified by CAARP to write the Low Cost Program. Prospective
policyholders will be put in contact with licensed and certified
agents/brokers to purchase this coverage.
California Low Cost Automobile Insurance Program (LCA) Coverages and
Eligibility Requirements: Liability limits of $10,000 bodily injury or death
per person, $20,000 bodily injury for each accident and $3,000 property
damage for each accident have been established by the legislature. These
limits will satisfy the state’s current financial responsibility laws.
Optional coverages consist of Medical Payments Coverage at $1,000 per person
and Uninsured Motorist Bodily Injury at limits of 10,000/$20,000. Physical
Damage (Comprehensive & Collision) coverage IS NOT available under this
Program. Low Cost is available to good drivers (as described in the CA
Insurance code). The good driver requirements apply to both the applicant
and any licensed driver in their household.
The cost of this insurance is based on the applicant’s county of residence. No Outside Premium Financing is allowed.
Prospective Insureds can take the Low Cost Eligibility Test by clicking here. If you are eligible for the program, you will be asked for your zip code and provided with a list of local agents/brokers. If you have questions, contact CAARP/LCA at (866) 602-8861.
California Automobile Assigned Risk Plan
P.O. Box 6530
Providence, RI 02940-6530
Monday - Friday 8:00 am - 4:00 pm PT
California Automobile Assigned Risk Plan
150 California Street, Suite 200
San Francisco, CA 94111
IF YOU ARE A PROSPECTIVE INSURED, CLICK THE LOGO ABOVE TO SEE IF YOU ARE ELIGIBLE.
PROVIDING YOUR ZIP CODE WILL DISPLAY A LIST OF INSURANCE AGENTS IN YOUR AREA.
The new 2018 Federal Poverty Guidelines are now posted on our website and effective/deployed on EASi 2.0 February 1, 2018.
Please contact the Plan Office Customer Service Toll free number at (866) 602-8861 for any inquiries.
Highlights of the program enhancement are as follows:
To comply with 2013 Cal. Stat. 380 (former AB 1804), CA. Ins Code §396, which requires an insurer to maintain a verifiable process or adopt a procedure that allows the applicant or policyholder of a personal auto policy to designate one additional person to receive notices, termination, expiration, nonrenewal, or cancellation for nonpayment of premium - this new procedure has been added:
If the applicant elects a third party designee, producers must do the following:
The Third Party Designee form can be used if electing a third party designee midterm on the policy. As of February 1, 2016, the process will be further automated.
Click here for an important announcement regarding enhancements to California’s Low Cost Auto Insurance (CLCA) Program that took effect January 1, 2015 in compliance with California Senate Bill 1273. The announcement also outlines amendments to the CLCA Program effective December 1, 2014 in response to directives from California's Department of Insurance. Included with the announcement are screenshots of changes that have been made to the CLCA Program’s Electronic Application Submission Interface (EASi), as well as two informational documents concerning CLCA Program eligibility and an Important Note for producers submitting CLCA applications.
Effective 12/1/2014, the convenience fee pricing for use of debit card payments for CAARP Private Passenger and CA Low Cost Auto processed through EASi was revised and reduced by our vendor, Official Payments:
California Low Cost: $1.95
(Prior pricing was at $3.99 for California Low Cost and $19.99 for CAARP)
Credit Card convenience fees will remain unchanged:
California Low Cost: $3.99
150 California Street Suite 200 San Francisco, CA 94111
Monday - Friday 8:00 - 4:00 PT
Phone: (866)602-8861 Fax: (415)421-4013 Email: firstname.lastname@example.org