California ARP

California Automobile Assigned Risk Plan

California Automobile Assigned Risk Plan

The CALIFORNIA AUTOMOBILE ASSIGNED RISK PLAN (CAARP) was created in 1947 by the state legislature with the essential purpose to provide automobile liability insurance to those who "in good faith" are entitled to but are unable to procure such insurance through ordinary methods. The statute indicates a legislative intent to encourage drivers to seek insurance in the voluntary market using the assigned risk plan only as a last resort.

What is the Assigned Risk Plan? It is a processing center by which people who have trouble buying automobile insurance are put in touch with an insurance company which will insure them. From then on, the person and the certified producer communicate with the insurance company as if they had chosen the company. As part of the initial processing, the Plan makes financial responsibility filings with the Department of Motor Vehicles if requested on the application. If the insured or producer is having difficulty in getting the attention of the insurance company, we attempt to assist. When appropriate we will also assist insurance companies in communicating with insured and certified producers.The assigned risk plan is not an insurance company. Its rates are recommended by CAARP's Advisory Committee and approved by the Department of Insurance. It is the Advisory Committee’s obligation to propose rates and run the Plan on a self-sustaining basis. The financial backing necessary to assume the risk comes from companies who are required by law to participate in the plan.

Applicants to the plan are divided among these insurance companies in proportion to the amount of automobile insurance business each company writes in the state. For example, a company which insures 10 percent of the cars in California's regular market insures 10 percent of the applicants to the assigned risk plan.

Only certified producers can submit applications to the California Automobile Assigned Risk Plan. Any agent/broker with a California fire & casualty license can become a certified producer with CAARP. Agents/brokers must complete an application for CAARP certification and include a copy of their current California fire & casualty license.

Mailing Address

California Automobile Assigned Risk Plan
P.O. Box 6530
Providence, RI 02940-6530

Office Hours

Monday - Friday 8:00 am - 4:00 pm PT


(800) 622-0954


(415) 421-4013


Street Address

1111 Broadway, Suite 1670
Oakland, CA 94607

App Submission (EASi) Rating Worksheets Territories

Tuesday, July 23: AIPSO's New Jersey Regional Office Closed

As a result of severe rain storms affecting western New Jersey, AIPSO's New Jersey regional office in Mt. Laurel will be closed on Tuesday, July 23.

All other AIPSO offices remain scheduled to open and operate during regular business hours on July 23. 


New Street Address

The CAARP office has relocated to Oakland, California. ALL PHONE NUMBERS REMAIN THE SAME. The new street address for the office is:
1111 Broadway, Suite 1670
Oakland, CA 94607

Important Notice

Please contact the Plan Office Customer Service Toll free number at 800-622-0954 for the following inquiries:
  • For consumers looking for Assigned Risk insurance coverage.
  • For producers/agents who require assistance with the Assigned Risk Plan.

Introducing EASi 2.0 for Commercial Applications

On 1/30/2018, the Plan will be upgrading to EASi 2.0 for Commercial application submissions.

WARNING: As of 1/30/2018, applications that have been saved but not yet submitted on this web site will become unavailable.

Applications submitted in this website prior to 1/30/2018 will continue to be available to you here, for 120 days, for viewing and/or reprinting.

Just like EASi 1.0, EASi 2.0 will not rate the Commercial Risk. If you need a password for EASi 2.0 please call Web Support at 888-424-0026.

Third Party Designee Procedure

To comply with 2013 Cal. Stat. 380 (former AB 1804), CA. Ins Code §396, which requires an insurer to maintain a verifiable process or adopt a procedure that allows the applicant or policyholder of a personal auto policy to designate one additional person to receive notices, termination, expiration, nonrenewal, or cancellation for nonpayment of premium - this new procedure has been added:

If the applicant elects a third party designee, producers must do the following:

  • Once you save/validate and print the private passenger or low cost application, the printed pdf form will include a new section (Section 15 on low cost apps, Section 19 on private passenger apps) that must be completed by hand.  If the applicant selects to elect a third party designee, then the producer must go to (either CAARP or Low Cost website) – and print/download the form – under “forms” titled - Third Party Designee.  The form must be completed and submitted with the application.
  • If the applicant declines the third party designee option, then the producer must decline the box on the form and submit it with the application. (Refer to Low Cost/Private Passenger section of application)

The Third Party Designee form can be used if electing a third party designee midterm on the policy. As of February 1, 2016, the process will be further automated.

Enhancements to California's Low Cost Auto Insurance Program

Click here for an important announcement regarding enhancements to California’s Low Cost Auto Insurance (CLCA) Program took effect January 1, 2015 in compliance with California Senate Bill 1273.   The announcement also outlines amendments to the CLCA Program effective December 1, 2014 in response to directives from California's Department of Insurance.  Included with the announcement are screenshots of changes that were made to the CLCA Program’s Electronic Application Submission Interface (EASi), as well as two informational documents concerning  CLCA Program eligibility and an Important Note for producers submitting CLCA applications.

Revised Convenience Fee Rates

Effective 12/1/2014, the convenience fee pricing for use of debit card payments for CAARP Private Passenger and CA Low Cost Auto processed through EASi has been revised and reduced by our vendor, Official Payments:

California Low Cost: $1.95

CAARP: $2.95

  (Prior pricing was at $3.99 for California Low Cost and $19.99 for CAARP)

Credit Card convenience fees will remain unchanged:

California Low Cost: $3.99

CAARP: $19.99


 TitleCategoryModified DateSize 
CA Third Party Designee Form (AIP1267 1-16)Form12/30/201519.18 KBDownload
Commercial Agency Change (AIP1253 1-13)Form1/24/201310.17 KBDownload
Commercial Alternate Application Package (AIP1251 5-19)Form5/1/2019367.10 KBDownload
Commercial Name Ownership Change (AIP1261 9-06)Form 3/24/201153.82 KBDownload
Commercial Operator Schedule (AIP3502 12-02)Supplement3/24/201152.23 KBDownload
Commercial Producer Change Authorization (AIP1256 10-07)Form3/24/20118.33 KBDownload
Commercial Public Auto Questionaire Form3/24/201119.63 KBDownload
Commercial Trucking Questionaire Form3/24/201122.40 KBDownload
Commercial Vehicle Schedule (AIP3500 1-10)Supplement3/24/201122.56 KBDownload
Company Performance Complaint (AIP1255 1-14)Form12/31/201325.10 KBDownload
Company Subscribership Questionnaire (10-13)Form8/27/201470.63 KBDownload
EASi Retraction Request (AIP1247 5-18)Form4/30/201881.09 KBDownload
Private Passenger Alternate Application Package (AIP1250 3-19)Form3/1/2019468.42 KBDownload
Producer Certification Application (AIP 1249 10-17)Form10/31/201762.10 KBDownload
Producer Peer Review Subcommittee Application 2019Form9/20/201820.27 KBDownload
Producer Performance Complaint (AIP1254 1-14)Form12/31/201325.06 KBDownload
Public Transportation Autos - Other Than Zone Rated Worksheet Worksheet11/21/201715.02 KBDownload
Public Transportation Autos - Zone Rated Worksheet Worksheet11/21/201714.24 KBDownload
Trucks, Tractors & Trailers - Other Than Zone Rated WorksheetWorksheet11/21/201711.81 KBDownload
Trucks, Tractors & Trailers - Zone Rated WorksheetWorksheet11/21/201711.78 KBDownload