California Code of Regulations
Title 10 - Investment
Chapter 5 - Insurance Commissioner
Subchapter 4.7 - Private Passenger Automobile Rating Factors
Article 4 - Good Driver Discount Policy
Section 2632.12 - Good Driver Discount
Current through Register 2024 Notice Reg. No. 38, September 20, 2024
(a) Every insurer offering a policy of automobile insurance shall set its rates so that a good driver, as defined in Section 1861.025 of the California Insurance Code, shall be charged a rate that is at least 20 percent less than the lowest rate available to a comparable driver who is not a good driver. The good driver discount must be applied after the total premium is developed under the class plan, including any policy fees that apply to the issuance of the policy.
(b) If a good driver as determined pursuant to California Insurance Code Section 1861.025 is not eligible to purchase a good driver discount policy because of the driving safety record or years of driving experience of any other person, then the good driver shall be eligible to purchase a good driver discount policy which excludes such other persons from coverage.
1. Certificate of
Compliance as to 3-17-94 order including new article 4 and repealer and new section
transmitted to OAL 7-12-94 and filed 8-23-94; operative 9-22-94 (Register 94, No.
34). For prior history, see Register 94, No. 11.
2. Editorial correction
of subsection lettering (Register 97, No. 19).
Note: Authority cited: Sections 1861.02, 1861.025, 12921 and 12926, Insurance Code. Reference: Sections 1861.02 and 1861.05, Insurance Code.
