Personal Auto PolicyQuestion 5 of 474
Under Proposition 103, California personal auto insurers must give greatest weight, in order, to which three primary rating factors?
a.Driving safety record, annual miles driven, years of driving experience
b.Vehicle make, garaging ZIP code, credit score
c.Credit score, annual miles driven, vehicle type
d.Years of driving experience, the ZIP code where the vehicle is garaged, and the number of years continuously insured with the same company
Explanation
Insurance Code §1861.02(a), enacted by Proposition 103 in 1988, requires personal auto rates to give greatest weight, in this order, to the insured's driving safety record, annual miles driven, and years of driving experience. Optional factors (vehicle type, garaging location, marital status, persistency, academic record) may be used only after these three primary factors.
Law Reference: Cal. Ins. Code §1861.02(a)This topic, taught in full in the Personal Lines Insurance Producer guide. Personal Lines Insurance Producer — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
Practice all 474 questions free — no signup required.
Own the complete Personal Lines Insurance Producer guide — PDF + EPUB, $19.99 →
Related questions on this topic
- Under the Personal Auto Policy, which Part provides Uninsured and Underinsured Motorist coverage?
- An insured strikes a deer on a rural California highway, damaging the front of the vehicle. Under the Personal Auto Policy, this loss is paid under:
- Under California Insurance Code §11580.2, how must an insured reject Uninsured Motorist coverage that the insurer is required to offer?
- Proposition 103 makes California a 'prior approval' state for auto insurance rates. What does this mean?
- California Vehicle Code §16028 requires a driver to do which of the following with proof of financial responsibility?
- An insured uses her personal vehicle on weekends to deliver pizza for a third-party app, with no endorsement on her Personal Auto Policy. While carrying a paid delivery she rear-ends another car. The PAP carrier most likely:
Last reviewed: · editorial process
PrepPass team · Verified against California Personal Lines Insurance License Exam · How we review