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Online General Insurance
California Program

CA Lowcost
Automobiles.

California's Low Cost Automobile Insurance (LCA) program offers affordable liability coverage to income-eligible California drivers. We help you apply, manage billing, and handle claims through your assigned carrier.

Check Eligibility
What it is

A state program
for eligible drivers.

The California Low Cost Auto Insurance Program (LCA) was launched to reduce the number of uninsured motorists on California roads by making basic liability coverage affordable for drivers who meet income and eligibility guidelines.

Online General Insurance can guide California drivers through the LCA application, connect them with the assigned carrier, and stay involved for billing changes, policy service, and claims.

Coverage

What's included
in the policy.

Required liability

Mandatory coverage

  • Bodily injury / death

    per person

    $10,000

  • Bodily injury

    per accident

    $20,000

  • Property damage

    per accident

    $3,000
Optional add-ons

Available at extra cost

  • Medical Payments

    $1,000 per person

  • Uninsured Motorist Bodily Injury

    $10,000 / $20,000

Not available

Comprehensive and Collision coverage are not offered under the LCA program.

How we help

From application
to claim.

Apply or Re-apply

Start with a short online questionnaire to check eligibility and submit your application to the California Low Cost Auto program.

Billing Help

Already have a policy? We help you reach your assigned carrier for billing questions, due dates, and payment options.

Claims Support

Filing a claim or following up on one? We point you to the right carrier claim line and stay involved until it's handled.

Policy Service

Driver and vehicle changes, address updates, ID cards, endorsements — done by phone or through online service forms.

Direct lines

Carrier contacts.

Have your policy number ready. Use these numbers for billing questions and to report or follow up on a claim.

Carrier Billing Claims
21st Century 800-531-5981 800-531-5981
Integon National 800-487-4567 800-274-7865
CAARP 888-922-4776 877-390-2092 (Sedgwick)

General service

Policy changes, drivers, vehicles, address updates, ID cards

(818) 922-7225

Apply for LCA today.

Free eligibility check. Real California-licensed agents. No call centers.

Start Application →