CALIFORNIA DEPARTMENT
OF INSURANCE
Richie M Sayavong
Outreach Analyst
August 2nd 2022
PRESENTATION OVERVIEW
• California Department of Insurance (CDI)
• California Law
• California’s Low Cost Auto Insurance Program (CLCA)
• How to Qualify & How To Apply
• How You Can Partner with CDI & CLCA
• Q&A
CALIFORNIA DEPARTMENT OF INSURANCE (CDI)
• Regulate all lines of insurance
• Regulate Insurance Companies, Agents, & Brokers
• California is the largest insurance market in the
U.S.
✓ $340 billion collected annually in premiums
• Protect Consumers from Fraud and Abuse
www.insurance.ca.gov 800-927-4357
CALIFORNIA DEPARTMENT OF INSURANCE
CONTACT INFORMATION
www.insurance.ca.gov 800-927-4357
• Insurance Questions or Problems
www.insurance.ca.gov
800-927-4357
• All drivers must have proof of
financial responsibility
• Liability Insurance
• Penalties of driving without insurance
CALIFORNIA LAW
CALIFORNIA LOW COST AUTO INSURANCE
PROGRAM (CLCA)
CLCA PROGRAM OVERVIEW
• California Low Cost Auto Insurance Program established in 2000
• CLCA provides affordable, low cost Liability Insurance • CLCA is a state program
• Goal: To decrease the number of uninsured drivers
Be at least 16
years old
Meet Income
Guidelines
Vehicle Value
$25,000 or Less
Valid CDL/
AB60 for
Undocumented
Drivers
*Can’t have bad driving record for past 3 years
HOW DO YOU QUALIFY?
Base: Good Drivers with 3+ yrs
30%: Single drivers 19-24 yrs
40%: Drivers less than 3 yrs
100%: Drivers 16-18 yrs
1 person - $33,975
2 people - $45,775
3 people - $57,575
4 people - $69,375
STATEWIDE COVERAGE & RATES
• Valid Driver’s License/AB 60
• Valid registration
• Proof of income
• Down payment – 20% of annual
premium
WHAT DO YOU NEED TO APPLY?
•Only need one of the following:
•Paycheck stub, W-2, 1099
•SSI statement, etc.
•Currently enrolled in other state, county programs:
•CalFresh, CalWorks, MediCal/Medicaid, CA Lifeline
•Complete list is available at mylowcostauto.com
PROOF OF INCOME
•Apply at MyLowCostAuto.com
•Take the Eligibility Questionnaire
•Application process is 100% online
•Chat is available M-F 8am – 4pm
•Website and Chat are available in English
and Spanish
•Call 866-602-8861
HOW TO APPLY
And please
refer us to any
collaborative
group or
partners that
serve low to
moderate
income
households
Let us present
to your staff or
community
group
Invite us to
community
outreach events
in your area
Share CLCA
through your
website and
social media
platforms
Help us
disseminate
CLCA
educational
materials in
your
community
HOW YOU CAN PARTNER WITH
CDI & CLCA
HOW YOU CAN PARTNER WITH
CDI & CLCA
For more information about CLCA visit:
Mylowcostauto.com
866-602-8861
Questions or Problems with Insurance?
insurance.ca.gov
Consumer Hotline 800-927-4357
Thank You!
www.insurance.ca.gov 800-927-4357
QUESTIONS?