Who runs Low Rate Coverage

Minimum coverage is a legal floor, not a recommendation. This site explains what 30/60/15 does and does not protect, and the state's own Low Cost Auto program for income-eligible drivers.

What you will find here

• Minimum coverage checker — Check whether your liability limits meet California's 30/60/15 minimum, then estimate whether your household could qualify for the state's Low Cost Auto Insurance Program.
• 50 guides on the least California requires, and what it leaves you exposed to, including 30/60/15, Translated, The State Program Most Drivers Have Never Heard Of, Two Different Kinds of Cheapest-Legal.
• A free quote prepared by a licensed California agent: start here, or call (619) 363-4466.

Who runs this site

lowratecoverage.com is published by Auto World Insurance Services (Yako Enterprises Inc.), a licensed California insurance broker — CA Insurance Broker License #6005606. You can look that license up on the California Department of Insurance website, insurance.ca.gov. Quote requests from this site go to our licensed agents, who compare insurance companies for you. We are a broker, not an insurance company: policies are issued by the insurance companies we place them with.

How these pages are written

• Every legal statement in our tools links to the statute, regulation or DMV page it comes from, and we are adding those sources to our older guides as we review them.
• When something depends on your insurance company, the page says it varies by company instead of guessing.
• We do not publish average or typical rate figures.
• A page's "Updated" month changes only when its content really changes.
• Our free tools run in your browser; nothing you type into a tool is sent to us. (The quote form is how you choose to send us your details.)

Getting a quote

Getting a quote is free, and there is no obligation to buy. If something on this site does not match your situation, a licensed agent can look at your actual policy with you.