Car Insurance in California

California car insurance
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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
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Discover savings with the AARP Homeowners Insurance Program from The Hartford.

California Auto Insurance

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?

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:
  • Vehicle type
  • Average mileage in a year
  • Coverage limit
  • Deductible amounts
  • Credit score
  • Vehicle use
  • Claims and insurance history
  • Car’s year, make and model
California Car Insurance Rates Learn more about the average cost of car insurance today. You can also call our representatives at 888-413-8970. They will help answer your questions and calculate your premium over the phone with you.

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

California Minimum Car Insurance 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

Car Insurance Quotes California 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.
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 1/1/20 and 12/31/20. Your savings may vary. Average auto insurance savings is $507 and average home insurance savings is $120. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Program from The Hartford. The Home product is not available in all areas, including the state of Florida.
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
§§ Terms and conditions apply.
Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
‡‡ Terms and conditions apply. Availability varies by state.
Additional disclosures below.
auto insurance definition

Car Insurance in Plain English

Quick answers and easy-to-understand auto insurance definitions written with you in mind.
To learn more, read through our auto insurance definitions page.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.

AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Automobile Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by GEICO Texas County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by GEICO Texas County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company. Effective 10/16/21, the Auto Program is underwritten by Trumbull Insurance Company.

* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.