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California Car Insurance Resources

California Car Insurance

Car Insurance Rates in CA

^ From 2006 to 2010, California cities had the 20th highest auto insurance rates in the nation. [2]

Car Insurance in CA by City

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Cars Insured in CA

^ California ranked 1st of all U.S. states in total auto insurance policies in 2011. [1]

CA Car Insurance

Car Insurance in California

Car Insurance Liability Requirements in California

  • Minimum Liability Limits in CA: 15/30/5 [4]
    • 15  Required coverage up to $15,000 for one individual injured in an accident
    • 30  Required coverage up to $30,000 for all persons injured in an accident
    • 5  Required coverage up to $5,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
    • Note: CA has a California Automobile Assigned Risk Plan for low-income drivers with low-cost policy limits of $10,000/$20,000/$3,000.

Required Car Insurance Coverage in California

Required Car Insurance Coverage in California
  • Auto Insurance Coverage Requirements in CA [4]
    • Bodily injury liability coverage
    • Property damage liability coverage

Car Insurance Verification Laws in California

  • Insurer Verification of Auto Insurance in CA [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurer must verify financial responsibility or insurance after an accident or arrest.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

California Car Insurance Facts, Estimates & Related Laws

California Car Insurance Facts

California Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in CA
    • California had the 21st highest auto insurance rates in the nation in 2010. [2]
    • Rates in CA ranked 20th in the nation in 2009. [2]
    • In 2008, CA had the 20th highest rates in the country. [2]
  • Number of Auto Insurance Policies in CA
    • California ranked 1st in the nation in auto insurance policies in 2011 with a total of 24,221,799. [1]
  • Uninsured Motorist Rate in CA
    • The uninsured motorist rate in CA ranked 17th in the nation in 2009. [3]

California Distracted Driving Laws

  • Hand-held phone ban? Yes
    • hand-held phone ban in place for all drivers. [7]
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers, although drivers older than 18 may dictate, send or listen to text-based messages if they're using voice-activated, hands-free devices. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to drivers younger than 18. [7]
  • Bus driver cell phone ban? Yes
    • Ban applies to school and transit bus drivers. [7]
  • Enforcement of laws:
    • Primary enforcement in effect for hand-held and texting laws. Secondary enforcement in effect for all cell phone use by drivers 17 and younger. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

California Automotive Laws

  • Safety Belt Laws in CA
    • Safety belt laws have been in place since 1986 and apply to drivers/passengers 16+ years in all seats. [7]
    • Child restraint law in place for 7 years and younger who are less than 57 inches. [7]
  • Motorcycle Helmet Laws in CA
    • Motorcycle helmets required for all riders. [7]
  • Driver's License Renewal Cycle in CA
    • Renewal cycle: 5 years [7]

California Auto & Driver Facts

California Automotive Facts

California Auto & Driver Facts
  • Speed Limits in CA
    • Rural interstates: 70 mph (Trucks: 55 mph) [7]
    • Urban interstates: 65 mph (Trucks: 55 mph) [7]
    • Other roads: 65 mph (Trucks: 55 mph) [7]
  • Motor Fuel Consumption in CA
    • California cities collectively ranked 1st in the nation in total motor fuel consumption in 2011. [9]

California Licensed Drivers

  • Licensed Drivers in CA [10]
    • Total Drivers: 23,856,600
    • Female: 11,746,427
    • Male: 12,110,173
    • CA has the 1st most drivers in the U.S.
  • Minimum Driving Age in CA [5]
    • California has a minimum driving age of 15 years, 6 months.

California Auto Registrations

  • Auto Registrations in CA [8]
    • Registered Cars: 14,549,841
    • Registered Trucks: 13,771,330
    • Registered Motorcycles: 818,650
    • Total Registrations: 29,176,697
    • Rank: California ranked 1st in the United States in total auto registrations in 2011.

Additional information about California

About California

California has a population of approximately 37,253,956, which ranks 1st in the U.S. among all states. [6]

CA Car Insurance

More about California auto insurance

For more information about auto insurance in CA, or for additional resources regarding California car insurance, visit the California Department of Insurance.

Did you know?

Novice drivers are prohibited from the use of all cell phones in 37 states and the District of Columbia.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

California Cities