Customer Information

California Cost Estimate

To obtain a cost estimate for a California personal automobile insurance policy pursuant to California Insurance Code Section 672, please contact us at 1-800-209-4110 (Monday through Friday 8:00 am - 4:30 pm PST) and we will refer you to one or more independent brokers. These brokers are not employees or agents of any of the companies which Multi-State Inc. does business with.

California Insurance Products

Private Passenger Auto Insurance:

Multi-State, through our carrier partners, offers a wide range of coverage options to meet your needs. Your independent insurance broker can assist you in choosing the right coverages for your individual situation.

Coverage Offered:

A liability-only policy includes Bodily Injury, and Property Damage, coverages. A liability and physical damage policy includes these coverages along with Collision and Comprehensive.

Collision and Comprehensive coverages are required if your vehicle is financed or leased and are subject to a deductible. We can provide coverage up to a maximum vehicle value of $40,000. We offer several deductible options.

Bodily Injury liability coverage protects you if you are involved in an accident and you cause bodily injury to others. This coverage also provides you with a defense if you are sued by another person for covered damages. We can provide you with the state minimum limits of $15,000 per person and $30,000 per accident.

Property Damage liability coverage protects you if you are involved in an accident and you cause damage to another person's property. We can provide you with the state minimum limits of $5,000. We offer Property Damage liability limits up to $10,000.

Collision coverage pays for damages to your vehicle when damaged by collision with another vehicle or object regardless of fault.

Comprehensive coverage pays for damages to your vehicle when damaged as a result of causes other than collision such as vandalism, theft, wind, hail, and water.

Additional Optional Coverages:

  • Medical Payments Coverage
  • Uninsured Motorist Coverage
  • Uninsured Motorist Property Damage Coverage
  • Towing and Rental Reimbursement Coverage

Refer to the policy itself for legal descriptions of the coverages offered by the company. State regulations and the policy provisions determine actual coverage levels and limitations. All applications are subject to underwriting rules and restrictions.

Discounts Available:

Driver characteristics

  • Good Driver
  • Persistency
  • Renewal
  • Multi-Car
  • Other discounts may be available - check with your broker

Discounts available subject to underwriting rules and conditions. Not all premium discounts will be available in all programs. Amount of discount will vary. Proof of eligibility may be required.

Flexible Payment Options:

Multi-State offers a variety of policy terms to suit your needs. You may choose to either pay the premium in full or select one of our low down payment plans with affordable monthly installments.