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Lower Insurance Costs in California

Two crashed cars close up - Copyright: Deyan Georgiev

Uninsured Vehicles in California

About three million vehicles on California’s roadways are uninsured or inadequately insured. These uninsured drivers typically have the most unreliable and unsafe cars. It is likely that they are also the least careful drivers. Studies have shown that the more uninsured drivers there are on the road, the more fatal car crashes.

Uninsured drivers are a problem. They cost other drivers billions of dollars each year. If only 30 percent of all uninsured California drivers purchased insurance, California drivers could save $250 million in costs

Two Steps to Large Insurance Savings

A new law in 2013 provided access to licenses for 1.4 million non-citizen individuals in California. Unlicensed immigrants previously lacked insurance because they could not buy coverage when they did not have a valid license.

January 1, 2015, a new law will go into effect. It will help more low-income drivers to purchase affordable automobile insurance. The new law expands and enhances California’s current Low-Cost Automobile Insurance Program (CLCA).

It is believed that a substantial number of the 1.4 million non-citizens will benefit from the new law. The change can potentially also reduce insurance rates for everyone.

Senate Bill 1273

Among others, the Senate Bill (1273) was supported by Personal Insurance Federation of California, State Farm Mutual Automobile Insurance Company, and United Farmworkers of America.

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