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California Low Cost Auto Pamphlet

Why is This Program Important?

If you have a valid driver’s license and drive a vehicle, the law requires that you have auto insurance. California’s Low Cost Auto Insurance program is a state-sponsored program that makes auto insurance affordable, helping you drive responsibly and legally.

Who qualifies for this program?

       Qualifying Drivers must:

  • Have a valid California Drivers License

  • Own a vehicle valued at $25,000 or less

  • Meet income eligibility guidelines

  • Be at least 16 years old*

*certain restrictions may apply

What does it cost?

The annual premiums in California vary by county.


There are discounts

if the consumer has been a licensed driver with a good driving record. 

How do I sign up?

Submit your basic information so an Atlas mutual Insurance Agent can begin to communicate with you and begin to build your quote.


As an added convenience, most of the transactions are done over phone, email, and/or text.

Are you ready?

Click "Get Quote" to submit your basic information.

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