California Auto Insurance
Whether you’re traveling along the coast or heading to Hollywood, you’ll need car insurance in California. In fact, the AARP® Auto Insurance
Program from The Hartford has been protecting AARP members in California and their families since 1984.1
Throughout this time, we’ve earned a high insurance rating and a reputation for integrity.
So, if you’re looking to get car insurance quotes
in California, you’ve come to the right place. Get a quote online or talk to our representatives at 888-413-8970
How Much Is Car Insurance in California?
According to the Insurance Information Institute (III), the average cost for auto coverage in 2017 in California was $957. This is slightly lower than the national average of $1,004.2
However, costs vary per person depending on a variety of factors.
What Determines California Car Insurance Rates?
California, like many states, rewards good drivers with lower insurance rates. So, if you have a clean driving record, your premium’s cost will go down with a safe driver discount
. There are a number of factors that can influence how much you pay for car insurance per month
, including your:
Average mileage in a year
Claims and insurance history
Car’s year, make and model
Car Insurance Benefits Offered to California Drivers
California drivers can receive valuable auto insurance benefits
and discounts from the AARP Auto Insurance Program from The Hartford, including:
12-month Rate Protection: With this, we’ll lock in your premiums for a full year.
New Car Replacement:§§ If you total your new car within the first 15 months or 15,000 miles after you buy it, your policy will help pay to replace it.
24/7 Claim Service: You can reach our representatives at 800-243-5860 any time of the day to report a claim.
RecoverCare:§ With this benefit, we’ll give you up to $2,500 to pay for transportation, cooking, cleaning and other help you need after you’re injured from a car collision.
One deductible:‡‡ If you need to file a claim for two of your vehicles that are both insured by the AARP Auto Insurance Program from The Hartford, you’ll only have to pay the higher deductible.
Labor & Towing Insurance: This optional coverage can help pay for emergency roadside assistance if you break down. It’ll also help you get your car towed to a repair shop. For this benefit to apply to you, you’ll need comprehensive coverage.
California Minimum Car Insurance Requirements
Auto liability insurance gives you bodily injury and property damage coverage from an accident. So if you rear end someone, this coverage can help pay for repairs on their car. Each state also has a minimum amount of liability auto coverages that they require.
The California state minimums for this protection are:3
To get full coverage insurance
in the state, you’ll need more than these minimum coverages to help pay for damage. Generally, you’ll also want collision and comprehensive insurance to help protect your car.
If you’re not sure what policies you need, call our representatives at 888-413-8970
to discuss your options.
Proof of Car Insurance for California Drivers
If you’re a licensed driver in the state of California, it’s smart to keep a copy of your car insurance ID card in your vehicle, along with your registration. California does accept electronic proof of car insurance, and with The Hartford mobile app
, you can store your car insurance ID cards right on your phone. For more information, visit the Google Play
™ or App Store
California Uninsured Driver Facts
Uninsured motorist coverage helps pay for damages and medical expenses if you’re hit by a driver that doesn’t have insurance. Generally, you’ll need two policies for this coverage, including:
The state of California doesn’t require drivers to carry this coverage. However, it’s still a good idea to have it to get have full protection while you’re on the road.
Additional Car Insurance Coverages and Benefits Available to California Drivers
For added protection, California drivers may also be eligible for the following car insurance coverages
from the AARP Auto Insurance Program from The Hartford:
Staying Safe on California Roads
California has a number of safe driving laws that help keep you safe while you’re on the roads, including:4
California Seat Belt Laws
California is one of many states that have a primary seat belt law. This means that law enforcement can ticket a driver or passenger for not wearing a seat belt without any other traffic violation.
California Distracted Driving Laws
In California, texting while driving is not allowed at any time. It’s best to keep your cell phone put away while behind the wheel.
California Teen Driver Laws
Getting a driver’s license is an exciting time for teens. But there are certain graduated licensing laws required in California. These limit nighttime driving, restrict passengers and mandate enough supervised driving practice.
Request a Car Insurance Quote for California Drivers
Getting car insurance quotes
in California from us is quick and easy. You can get a quote
online or by calling our representatives at 888-413-8970
. If you have questions or need help finding the right coverages, we’re here to help.