AARP Car Insurance in California

California car insurance

California Auto Insurance

California Auto InsuranceWhether 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 Hartford1 has been protecting AARP members in California and their families since 1984. Throughout this time, we’ve earned high customer ratings for claims services and a reputation for integrity.

How Much Is Car Insurance in California?

How Much is Car Insurance in CaliforniaAccording to the Insurance Information Institute (III), the average cost for auto coverage in 2019 in California was $1,052. This is slightly lower than the national average of $1,070.2 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 seguro para autos, including your:
  • Tipo de vehículo
  • Average mileage in a year
  • Coverage limit
  • Montos deducibles
  • Credit score
  • Vehicle use
  • Claims and insurance history
  • Car’s year, make and model
California Car Insurance RatesConozca más sobre el costo promedio de un seguro para autos  hoy mismo.

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:
  • New Car Replacement:§§ If you total your new car, we’ll replace it with a new one of the same make, model and equipment with no deduction for depreciation.
  • 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.
  • Labor & Seguro de remolque: 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 InsuranceAuto
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.

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 las coberturas de seguro para autos 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.
Last Updated: October 16, 2023
2 Insurance Information Institute (III), “Average Expenditures for Auto Insurance By State”
3 State of California Department of Motor Vehicles (DMV), “Insurance Requirements.”
4 Governors Highway Safety Association (GHSA), “State Laws.”
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 9/1/22 y 8/31/23. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $577 y el ahorro promedio en el seguro de viviendas es de $236. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. .The Hartford no suscribe nuevos negocios en todas las áreas, incluidos los estados de CA y FL.
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
§§ Se aplican términos y condiciones.
Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
‡‡‡ Con base a un auto y conductor; la tarifa/prima/ahorros individuales variarán según las selecciones de cobertura reales y las características de los vehículos/conductores.
Divulgaciones adicionales a continuación.
definición del seguro para automóviles

Explicación simple sobre el seguro para autos

Respuestas rápidas y definiciones de seguro para automóviles fáciles de entender pensadas para usted.
Para conocer más, visite nuestra página de definiciones del seguro para automóviles .
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.