republic-os/legislation/us/states/ca/20132014/sb-1273.md

---
type: "Bill"
title: "Insurance: low-cost automobile insurance program."
description: "(1) Existing law establishes within the California Automobile Assigned Risk Plan (CAARP) a low-cost automobile insurance program for all counties in California, until January 1, 2016, in order to provide a means for eligible consumers to buy automobile insurance, as specified. The parameters of the program, include, but are not limited to, value limits for the insured vehicle, initial ratesetting for certain counties, a surcharge for specified high-risk drivers, eligibility, sales commissions set at the rate CAARP pays for private passenger nonfleet risks, cancellation restrictions, rate and surcharge setting restrictions, and reporting requirements. Existing law limits the premium financing arrangements under the program to those offered by CAARP and one under which the insured pays no more than 15% of the policy cost initially followed by 6 payments."
jurisdiction: "us/states/ca"
legislature: "California Legislature"
session: "20132014"
identifier: "SB 1273"
citation: "California SB 1273 (20132014)"
classification: ["bill"]
subjects: ["Insurance: low-cost automobile insurance program."]
status: "enacted"
primary_sponsors: ["Lara"]
version_count: 9
action_count: 26
vote_count: 7
first_action: "2014-02-21"
last_action: "2014-09-19"
source: "openstates"
source_identifier: "ocd-bill/d6e6e272-866d-47a9-a860-66ed24bffb9c"
source_url: "http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201320140SB1273"
source_hash: "391acbed07732a32cfe07bec69d588cc8c0f0a3f53a1fbc16cc9af387ddf72d4"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-ca"]
---

# California SB 1273 (20132014) — Insurance: low-cost automobile insurance program.

(1) Existing law establishes within the California Automobile Assigned Risk Plan (CAARP) a low-cost automobile insurance program for all counties in California, until January 1, 2016, in order to provide a means for eligible consumers to buy automobile insurance, as specified. The parameters of the program, include, but are not limited to, value limits for the insured vehicle, initial ratesetting for certain counties, a surcharge for specified high-risk drivers, eligibility, sales commissions set at the rate CAARP pays for private passenger nonfleet risks, cancellation restrictions, rate and surcharge setting restrictions, and reporting requirements. Existing law limits the premium financing arrangements under the program to those offered by CAARP and one under which the insured pays no more than 15% of the policy cost initially followed by 6 payments.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **02/21/14 - Introduced** (filed) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140SB1273&version=20130SB127399INT)
2. **04/02/14 - Amended Senate** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140SB1273&version=20130SB127398AMD)
3. **04/22/14 - Amended Senate** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140SB1273&version=20130SB127397AMD)
4. **06/18/14 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140SB1273&version=20130SB127396AMD)
5. **06/30/14 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140SB1273&version=20130SB127395AMD)
6. **08/04/14 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140SB1273&version=20130SB127394AMD)
7. **09/19/14 - Chaptered** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140SB1273&version=20130SB127392CHP)
8. **SB1273** (committee substitute) — [source](http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201320140SB1273)
9. **08/19/14 - Enrolled** (enrolled) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140SB1273&version=20130SB127393ENR)

## Votes

- Unfinished Business SB1273 Lara Concurrence — **26–10** (pass) · upper
- Do pass as amended, and re-refer to the Committee on Appropriations. — **9–1** (pass) · upper
- 3rd Reading — **26–7** (pass) · upper
- Do pass. — **13–4** (pass) · lower
- SB 1273 Lara Senate Third Reading By ALEJO — **60–15** (pass) · lower
- Do pass. — **4–1** (pass) · upper
- Do pass as amended and be re-referred to the Committee on Appropriations. — **10–1** (pass) · lower

## Sponsors

- Lara — primary (person)
- Alejo — coauthor (person)
- Correa — coauthor (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2014-02-21** Introduced. To Com. on RLS. for assignment. To print. `introduction`
- **2014-02-22** From printer. May be acted upon on or after March 24.
- **2014-02-24** Read first time. `reading-1`
- **2014-03-06** Referred to Com. on INS. `referral-committee`
- **2014-03-12** Set for hearing April 9.
- **2014-04-02** From committee with author's amendments. Read second time and amended. Re-referred to Com. on INS. `committee-passage, amendment-passage, reading-2, reading-1, referral-committee`
- **2014-04-21** From committee: Do pass as amended and re-refer to Com. on APPR. (Ayes 9. Noes 1. Page 3163.) (April 9). `committee-passage-favorable, committee-passage, amendment-passage`
- **2014-04-22** Read second time and amended. Re-referred to Com. on APPR. `amendment-passage, reading-2, reading-1, referral-committee`
- **2014-04-25** Set for hearing May 5.
- **2014-05-06** From committee: Do pass. (Ayes 4. Noes 1. Page 3387.) (May 5). `committee-passage-favorable, committee-passage`
- **2014-05-07** Read second time. Ordered to third reading. `reading-2, reading-1`
- **2014-05-12** Read third time. Passed. (Ayes 26. Noes 7. Page 3437.) Ordered to the Assembly. `reading-3, reading-1, passage`
- **2014-05-13** In Assembly. Read first time. Held at Desk. `reading-1`
- **2014-05-19** Referred to Com. on INS. `referral-committee`
- **2014-06-18** From committee with author's amendments. Read second time and amended. Re-referred to Com. on INS. `committee-passage, amendment-passage, reading-2, reading-1, referral-committee`
- **2014-06-26** From committee: Do pass as amended and re-refer to Com. on APPR. (Ayes 10. Noes 1.) (June 25). `committee-passage-favorable, committee-passage, amendment-passage`
- **2014-06-30** Read second time and amended. Re-referred to Com. on APPR. `amendment-passage, reading-2, reading-1, referral-committee`
- **2014-08-04** From committee with author's amendments. Read second time and amended. Re-referred to Com. on APPR. `committee-passage, amendment-passage, reading-2, reading-1, referral-committee`
- **2014-08-07** From committee: Do pass. (Ayes 13. Noes 4.) (August 6). `committee-passage-favorable, committee-passage`
- **2014-08-11** Read second time. Ordered to third reading. `reading-2, reading-1`
- **2014-08-14** Read third time. Passed. (Ayes 60. Noes 15. Page 6025.) Ordered to the Senate. `reading-3, reading-1, passage`
- **2014-08-14** In Senate. Concurrence in Assembly amendments pending.
- **2014-08-18** Assembly amendments concurred in. (Ayes 26. Noes 10. Page 4548.) Ordered to engrossing and enrolling. `committee-passage-favorable, amendment-passage`
- **2014-08-20** Enrolled and presented to the Governor at 3:30 p.m.
- **2014-09-19** Approved by the Governor. `executive-signature`
- **2014-09-19** Chaptered by Secretary of State. Chapter 487, Statutes of 2014.

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/d6e6e272-866d-47a9-a860-66ed24bffb9c`. Confidence: reported (aggregated from official California legislature records).