No-Credit-Check Car Insurance in Los Angeles, CA

Insurance Code section 11629.73 sets the rules. Gross household income cannot exceed 250 percent of the federal poverty level, and the driver must be at least 16. Within the previous three years the record can show one principally-at-fault property-damage accident or one moving-violation point, but not both, and no at-fault accident involving injury or death; a Vehicle Code felony or misdemeanor conviction disqualifies. A driver with less than three years of licensed experience can still qualify, with a surcharge.

Under section 11629.71, the car must be valued at twenty-five thousand dollars or less, measured by the DMV's vehicle license fee value or another approved method. The Department of Insurance's 2026 report to the Legislature adds that an AB 60 licence counts, that enrollment in CalFresh, CalWORKs, Medi-Cal, EDD benefits, SSI or similar programs can serve as proof of income, and that since 2020 applicants without paperwork may sign a Certification of Income Eligibility form.

Section 11629.745 requires an agent or broker doing business in a county where the program is available to tell every new customer who asks for minimum or basic limits that the low-cost policy may be available — before the application, and in the language the conversation has been in. An agent who is not certified by the assigned risk plan must give you the plan's toll-free number or website instead. If you ask us for state minimums in Los Angeles, expect that conversation first.

According to DOJ OpenJustice, the Los Angeles Police Department reported 25,594 motor vehicle thefts in 2023, 23,681 in 2024 and 20,093 in 2025. The low-cost policy is liability only — the department's report says comprehensive and collision are not offered inside the program and have to be bought separately — so a stolen car is not covered by that policy alone.