About the Commissioner

About the Department

Ricardo Lara is California’s 8th Insurance Commissioner since voters created the elected position in 1988. As leader of the nation’s largest state consumer protection agency he will protect Californians’ futures. Click to read more...



The California Department of Insurance (CDI) was created in 1868 as part of a national system of state-based insurance regulation. The insurance market place has changed dramatically over time, but consumer protection continues to be the core of CDI's mission.

Click to read more...


The California Department of Insurance (CDI) was created in 1868 as part of a national system of state-based insurance regulation. The insurance market place has changed dramatically over time, but consumer protection continues to be the core of CDI's mission.

Click to read more...

California Law requires that all drivers of vehicles within the State maintain evidence of financial responsibility. California's Low Cost Automobile Program (CLCA) was established by the Legislature in 1999 and exists pursuant to California Insurance Code Section 11629.7 as a program designed to provide income eligible persons with liability insurance protection at affordable rates as a way to meet California's financial responsibility laws.

However, too many income eligible drivers remain uninsured because the costs of standard insurance premiums are beyond their financial reach. Learn about affordable solutions that may help protect you, your friends, family and other drivers on the road.

Effective January 01, 2015 a new law, SB 1273 passed by the Governor on September 19, 2014, provides an exception to the three-year continuously licensed requirement to allow drivers with less than 3 years verifiable driving experience to participate in the program and increased vehicle values from $20,000 to $25,000. 

Following are some helpful links on insurance-related issues that could be helpful:

 

·         Top Ten Tips for Finding Residential Insurance 

·         Automobile Coverage Comparison Tool

·         Homeowners Coverage Comparison Tool

·         Informational Guides

·         Senior Information Guides

·         California's Low Cost Auto Insurance Program

·         File a Complaint Online/Consumer Complaints

·         Hotline and other CDI Contact Numbers

The CLCA program is a state-sponsored program designed to provide income-eligible, good drivers with liability insurance protection at affordable rates, starting at $253 per year, as a way to meet California's mandatory auto insurance law. Consumers can check if they qualify and locate certified agents in their local areas through the website www.mylowcostauto.com or by calling 1-866-602-8861. 



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