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California Low Cost Auto Insurance Program

A low-cost auto policy from National General, an Allstate company. It's cheap car insurance in California at the state's minimum liability limits, and you can add full coverage if you want it. Any licensed California driver can get a quote, and there's no income test.

Start a quote online in a few minutes, or call (888) 269-0088 and we'll walk you through your options. Most drivers have a price the same day.

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ANY CALIFORNIA DRIVER

Bad Driving Record or Good Driving Record, We Have Your Back

Tickets, an at-fault accident, a lapse in coverage, or a spotless record: we quote all of them. BadDrivingRecord.com is a licensed California agency. We compare National General's program with the other carriers we're appointed with, so you see the lowest price your record can get.

Start My QuoteCall (888) 269-0088
Low Cost Auto Insurance

Liability only at California's minimum limits, or full coverage with comprehensive and collision. Good or bad driving record.

Get My Quote
LIABILITY ONLY
from$58per month
FULL COVERAGE
from$70per month
Low Cost Auto Insurance

Liability only at California's minimum limits, or full coverage with comprehensive and collision. Good or bad driving record.

Get My Quote
LIABILITY ONLY
$58 /mo
FULL COVERAGE
$70 /mo
CALIFORNIA LOW-COST OPTIONS ACROSS CARRIERS
AmwinsNational GeneralSun CoastAspireBristol WestUnited AutoProgressiveInfinityThe GeneralDairyland
No Spam. Ever.
We help you compare options without endless sales calls, pressure, or inbox clutter.
We Run Your Full Driving Record
Using the right driving-record details up front helps match you more accurately.
Fast Accurate Quote
A cleaner intake and smarter review process help get options in front of you faster.
Great Rates. No Gimmicks.
We shop real carriers for real options that fit California drivers on a budget.

What Is the California Low Cost Auto Insurance Program?

The California Low Cost Auto Insurance Program on this page is a National General policy for drivers who want cheap auto insurance at the lowest legal price. It covers California's minimum liability limits, and you can add comprehensive and collision if your car is financed or you want it protected.

IN PLAIN ENGLISH

It's affordable car insurance for drivers on a tight budget, and your driving record doesn't have to be clean to get one.

It works like any other monthly car insurance policy. You get an ID card when it starts, and it counts as proof of insurance with the DMV.

WHAT IT COSTS IN CALIFORNIA

How Much Is Low Cost Auto Insurance in California?

LIABILITY ONLY, STATE MINIMUM
from$58/ month
CLEAN RECORDHIGHER RISK
FULL COVERAGE
From $70/mo
Adds comprehensive and collision
LIABILITY LIMITS
30/60/15
California's minimum limits
WHO CAN QUOTE
Any CA driver
Good or bad record, no income test

$58 a month is the starting rate for liability only car insurance at the state minimum. A quote on your own record is the only way to know your number.

Get My Price

About National General Insurance

National General is the insurance company behind this program. Its roots go back to 1939, and much of its business is non-standard auto insurance for drivers that standard companies often turn away.

AN ALLSTATE COMPANY
Backed by Allstate
National General has been part of Allstate since January 4, 2021, when Allstate completed its $4 billion purchase of the company.
AM BEST RATED
Rated for Financial Strength
National General is rated by AM Best, the agency that grades how well insurance companies can pay their claims.
BBB MEMBER
Better Business Bureau
National General is a member of the Better Business Bureau, where you can look up its customer reviews and how it responds to complaints.
HOW WE FIT IN

BadDrivingRecord.com is an independent agency appointed with National General. We quote affordable auto insurance on the program, help you pick limits, and answer questions after the policy starts. We also check other California carriers on the same quote, so you're never stuck with one price.

How to Get Low Cost Auto Insurance

Most drivers get their cheap car insurance quotes in one sitting. Have your driver's license and your vehicle details ready.

01
Start your quote online or call (888) 269-0088. Tell us about your drivers and your car.
02
We run your record and quote National General's program next to other carriers.
03
Pick your coverage. Liability at the state minimum is the lowest price, and you can add comprehensive and collision.
04
Make your first payment and pick a monthly due date that fits your payday.
05
Your ID card arrives by email as soon as the policy is bound, so you have proof of insurance right away.

California Minimum Insurance Requirements

The program's liability coverage meets California's minimum limits, which went up for policies starting or renewing on or after January 1, 2025:

$30,000bodily injury liability per person
$60,000bodily injury liability per accident
$15,000property damage liability per accident

If your car has a loan or lease, the lender will also require comprehensive and collision. We can quote both so you can compare.

Liability Only or Full Coverage

Start with cheap liability car insurance and add what fits your car and budget:

Liability at the state minimum (30/60/15), the cheapest liability insurance on the program
Comprehensive, which pays for theft, fire, vandalism, and weather damage
Collision, which pays to repair your own car after an accident

Cheap full coverage car insurance California drivers buy starts at $70 a month on the program, so we show you both prices before you buy.

Cheap Car Insurance Across California

Looking for cheap car insurance California wide? We quote National General's low cost program in every part of the state. Here's what drivers ask us about most.

Los Angeles and San Diego

Searching for cheap car insurance Los Angeles or cheap car insurance San Diego? ZIP code is one of the biggest price factors, so your quote is priced for your own neighborhood on the same program.

Sacramento, Fresno, and Bakersfield

Drivers looking for cheap car insurance Sacramento, Fresno, or Bakersfield get quotes the same way, online or by phone, with no office visit.

Cheap SR-22 Insurance

Need SR-22 insurance in California? We quote cheap SR-22 insurance for owners, plus non owner car insurance California drivers use when they don't have a car. A DUI insurance California quote works the same way.

Same Day and Instant Car Insurance

Need same day car insurance? Once you pick a policy and make your first payment, your ID card comes by email, so your instant car insurance proof is in your inbox.

Cheap Car Insurance Online

You can get cheap car insurance online through our quote form, or call (888) 269-0088 if you'd rather talk to someone. Either way you see National General's price next to other carriers.

Comparing Car Insurance Companies

Lists of the top 10 cheapest car insurance companies are built on averages. Cheap car insurance companies for one driver can cost more for the next, so the best cheap car insurance California offers you is the one priced on your record.

Need an SR-22?

If the DMV or a court says you need an SR-22, our California SR-22 page covers owner and non-owner options and how the filing works.

California SR-22

What Sets Your Low Cost Auto Rate

Two drivers on the same program can pay very different prices because of:

Driving record (tickets, accidents, DUI)Prior insurance and any gapsAge and years licensedZIP codeThe car you driveThe coverage you choose

None of these rule you out. They move the price, so a quote on your own record beats any online average.

Low Income Car Insurance in California: What's Real

Four facts about low income car insurance California drivers often ask about:

01California has no free government car insurance. Every policy, public or private, charges a premium.
02There is no EBT discount on car insurance, and food assistance doesn't lower your rate.
03The DMV does not sell insurance. You buy it from an insurance company or a licensed agency like ours.
04Paying monthly helps your budget, but a lapse in coverage raises your next price, so pick a due date you can keep.

For most drivers on a budget, a state minimum liability policy is the cheapest legal way to drive.

Here's What Sets Us Apart

Monthly Payments
Pay monthly instead of covering the whole term up front. Most carriers let you pick a due date that lines up with payday.
Carriers Side by Side
We're appointed with National General, Bristol West, Infinity, and other carriers, so one quote shows you several prices.
Fast Proof Delivery
Your ID cards arrive by email as soon as the policy is bound.
Good or Bad Record
We quote high risk car insurance for drivers with tickets, accidents, lapses, and DUIs, and we quote clean records too.
Coverage That Fits
Choose liability at the state minimum or add comprehensive and collision. If the car is financed, your lender will require both.
Statewide Focus
We serve drivers across California, from Los Angeles and San Diego to Sacramento, Fresno, and the Bay Area.

When you look for the cheapest car insurance in California, compare price and coverage together. A low payment only helps if the policy stays active.

California Low Cost Auto Insurance FAQs

FAQ
How much does low cost auto insurance cost in California?−

Rates start at $58 a month for liability at California's minimum limits, and full coverage starts at $70 a month. Your price depends on your driving record, ZIP code, age, and vehicle.

Get Low Cost Auto Insurance in California

Good record or bad record, get a quote on National General's low cost program and compare it with other California carriers.

This is a private insurance program from National General. It is not the state-run California Low Cost Automobile Insurance Program (CLCA). For the state program, visit mylowcostauto.com.