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California Low Cost Automobile Insurance Program
Welcome to the California Low Cost Automobile Insurance Program homepage.

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 low cost automobile liability insurance to good drivers who demonstrate financial need.  The California Low Cost Automobile Insurance Program is administered by the California Automobile Assigned Risk Plan (CAARP).  Like CAARP, LCA applications are assigned to insurance companies from CAARP's administrative office.  Licensed fire & casualty agents, or producers, certified with CAARP are certified to write the Low Cost Program.  Prospective insureds must contact their local  agent/brokers to secure this coverage.  

 

 



IF YOU ARE A PROSPECTIVE INSURED, CLICK ABOVE TO SEE IF YOU ARE ELIGIBLE.
PROVIDING YOUR ZIP CODE WILL DISPLAY A LIST OF INSURANCE AGENTS IN YOUR AREA.

AIPSO.com Security Update

You may know by now of the security vulnerability posed to a great number of Internet sites by the Heartbleed bug.

We have confirmed that these AIPSO websites were not vulnerable to the Heartbleed bug:
• EARS
• EASi
• PASS

AIPSO has also remediated the potential vulnerability for the websites below and updated all relevant site certificates.
• AIPSO.com
• FAST

While we have no reason to believe any data was compromised or that any breach occurred, changing your password is advisable whenever vulnerabilities are identified in an application or web site.  To change your password for the following AIPSO-hosted sites, you must log in by following the links below:
• AIPSO.com
 EASi
• PASS
 FAST

Click here for more information regarding this security vulnerability issue.

Announcements

Important Notices:

Effective January 6, 2014, the mailing address for the California Low Cost Automobile (LCA) application, the California Assigned Risk Automobile Plan’s (CAARP’s) private passenger and commercial applications, and other related Plan forms will be:

California Automobile Assigned Risk Plan

P.O. Box 6530

Providence, RI 02940-6530 

The CAARP/LCA’s office in San Francisco will remain open, with their telephone numbers, fax numbers and e-mail addresses unchanged.

If you have any questions pertaining to the new mailing address, or any other aspect of LCA/CAARP administration and/or operations, please telephone 866-602-8861 or 800-622-0954, or e-mail: caarp@aipso.com, and a customer service representative from the San Francisco office will be able to assist you.

General Low Cost Information

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.  To be eligible, applicants: 

  • Must be at least 19 years of age and has been continuously licensed to drive for the past 3 years. 
  • Have no Vehicle Code felony or misdemeanor convictions on their driving record.
  • Have no at fault accidents involving bodily injury or death in the past 3 years.
  • Have not had more than one, or both, of the following in the past 3 years: A property damage only accident in which they were principally at fault, or A point for a moving violation.
  • Cannot be a college student claimed as dependent for federal/state income tax purposes.

Individuals who were previously licensed in another country other than the U.S. or Canada and can demonstrate that they have been continuously licensed for 18 months in the U.S. or Canada, are also eligible.

The cost of this insurance is based on the applicant’s county of residence. No Outside Premium Financing is allowed.

Take the Low Cost Eligibility Test available at the link on the left of this screen.  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/Low Cost at 866-602-8861. 

California Region
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: caarp@aipso.com