Learn more about the California Automobile Assigned Risk Plan (CAARP), including how to get coverage and coverage limits.
The California Automobile Assigned Risk Plan (CAARP) aims to provide high-risk drivers with the state’s minimum auto insurance. If you’re unable to find an insurer to cover you, CAARP will assign you to one. They’re required to offer you state minimum insurance. Premiums for this program will usually be higher than those on the voluntary marketplace. But, it’s a last resort for drivers who can’t access coverage on their own. Find out more about CAARP, including:
California requires drivers to carry a minimum of liability auto insurance, but that can be difficult to access if you have a bad driving record or are a new driver. CAARP offers coverage to those drivers who can't obtain insurance on their own. Here’s how to get car insurance through CAARP:
To find out more, contact CAARP at: (800) 622-0954
Unlike assigned risk plans in other parts of the country, there are no legal coverage limits attached to CAARP. Your policy coverage limits are decided between you and the insurer you are assigned to. However, your CAARP provider must provide you with at least the state minimum’s liability coverage limits, which are:
You’re assigned insurer is only required to offer you a policy for three years. If that’s not enough time for you to clean up your driving record and receive coverage through the voluntary marketplace, you’ll need to apply for the program again. The CAARP will then assign you to a different auto insurance company. Keep in mind that rates for this program are higher than a regular policy, so it’s in your best interest to drive safely and avoid traffic violations.
CA has another auto insurance program, called the California Low Cost Auto Insurance Program (CLCA). This is designed for low-income state residents who can’t purchase auto insurance. If you have a good driving record and a valid CA driver’s license, you can buy a policy through CLCA. Your household income must be below 250 percent of the federal poverty level. The policies offered by CLCA have lower coverage limits than the state minimum. Program policies have coverage limits of 10/20/3.
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