California Auto Insurance

Required Minimum Coverage for California Auto Insurance - is $15,000 for injury liability for one person in an auto accident, $30,000 for all persons in any one accident, and $5,000 for property damage in an accident if you are at fault (you may be held liable for damages above the minimum limits).

The California Low Cost Auto Insurance Program (CLCAIP) is a new program designed to satisfy the financial responsibility laws in California. Therefore, Californians are now able to purchase low cost, reduced limit, automobile liability auto insurance coverage. These policies are available to qualified people who live in the Los Angeles and San Francisco counties.

Instant California Auto Insurance Quotes Here!

Generally speaking, these qualifications are primarily determined upon:

Household Income
Driving Record (accidents and violations)
Vehicle Purchased Value

California is NOT a "No Fault" state.

Good Driver Provision - established a legal definition of a "Good Driver." in California. A Good Driver is a person who has been licensed for at least three consecutive years and has no more than one point on his or her driving record. Certain major violations may be considered for periods of seven years, e.g., a DUI (Driving Under the Influence).

Every licensed California auto insurance company, must offer coverage for Good Drivers - No insurer can refuse to offer auto insurance coverage if you qualify as a Good Driver. Your rates as a Good Driver must be at least 20% lower than a non-Good Driver's rates would be at the same insurance company.

Determination of California Auto Insurance Rates - The primary factors are as follows:

The operator's driving safety record;
The number of miles driven annually;
The number of years of driving experience.

There are 16 secondary rating factors, which may also be used to determine your individual insurance premium. The secondary factors weigh less than the primary factors. They may include: marital status, frequency and severity of claims in the geographic area where your car is garaged, gender, vehicle type, etc.

Per California auto insurance regualtion, the California Automobile Assigned Risk Plan administers the program. They can be reached at 1-800-622-0954 for additional information.

Optional California Auto Insurance is available for medical, comprehensive, collision, and underinsured motorist coverage.

For more information on CA insurance regulations, you can visit the California Department of Insurance website.

California Department of Insurance

Consumer Communications Bureau
300 South Spring Street, South Tower
Los Angeles, CA 90013

Hotline: 800 927-HELP (4357)
Telecommunication Device for the Deaf: 800 482-4TDD (4833)

We hope you found this page on California auto insurance useful.