California law requires every licensed insurer to participate in CAARP — the Assigned Risk Plan. Even if you've been turned down 10 times, there is a legal path to coverage. We enroll you same day.
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209-670-1556CAARP (California Automobile Assigned Risk Plan) distributes high-risk drivers among all licensed insurers — meaning one of them is legally required to cover you. It's not charity. It's real insurance at higher-than-standard rates, and it's your right as a California resident.
Most standard carriers decline DUI drivers. CAARP requires an insurer to cover you.
Two or more at-fault accidents in 3 years puts you in the high-risk category for most carriers.
A lapse in coverage or no insurance history often triggers refusals from standard carriers.
A prior suspension, even if reinstated, can make it difficult to get standard coverage.
Many carriers won't write a policy if you need an SR-22. We combine SR-22 + CAARP same day.
If you've been turned down by at least one insurer, you may qualify for CAARP immediately.
| Factor | Standard Insurance | CAARP / High Risk |
|---|---|---|
| Eligibility | Clean or near-clean record required | Available to everyone — guaranteed by law |
| Premium cost | Lower rates for good drivers | Higher rates, but legally bounded |
| After a DUI | ✗ Most carriers decline | ✓ Required to insure you |
| SR-22 filing | Many carriers refuse SR-22 drivers | ✓ We file SR-22 same visit |
| How long you'll need it | Ongoing if record stays clean | Typically 3 years, then back to standard |
| Processing time | Same day | Same day at Via Rapida |
California law says you can't be left without coverage. Walk in or call — same day enrollment.