Car Insurance in California
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Car Insurance Liability Requirements in California
- Minimum Liability Limits in CA: 15/30/5 [4]
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- 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
- Auto Insurance Coverage Requirements in CA [4]
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- Bodily injury liability coverage
- Property damage liability coverage
Car Insurance Verification Laws in California
- Insurer Verification of Auto Insurance in CA [4]
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- 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
- Average Car Insurance Rates in CA
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- 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
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- 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
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- 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
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- 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
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- Motorcycle helmets required for all riders. [7]
- Driver's License Renewal Cycle in CA
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- Renewal cycle: 5 years [7]
California Auto & Driver Facts
California Automotive Facts
- Speed Limits in CA
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- 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
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- California cities collectively ranked 1st in the nation in total motor fuel consumption in 2011. [9]
California Licensed Drivers
- Licensed Drivers in CA [10]
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- 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]
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- California has a minimum driving age of 15 years, 6 months.
California Auto Registrations
- Auto Registrations in CA [8]
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- 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]
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.
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
