Cal. Codes » Insurance Code / DIVISION 1. GENERAL RULES GOVERNING INSURANCE / PART 1. THE CONTRACT / CHAPTER 10. Cancellation or Failure to Renew
California Codes

Cal. Insurance Code § 660 (2026)

Cancellation or Failure to Renew

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As used in this chapter:

(a)“Policy” means an automobile liability, automobile physical damage, or automobile collision policy, or any combination thereof, delivered or issued for delivery in this state, insuring a single individual or individuals residing in the same household, as named insured, and under which the insured vehicles therein designated are of the following types only:

(1)A motor vehicle of the private passenger or station wagon type that is not used as a public or livery conveyance for passengers, nor rented to others; or

(2)Any other four-wheel motor vehicle with a load capacity of 1,500 pounds or less; provided, however, that this chapter shall not apply to any of the following:

(A)Any policy issued under an automobile assigned risk plan.

(B)Any policy insuring more than four automobiles.

(C)Any policy covering garage, automobile sales agency, repair shop, service station, or public parking place operation hazards.

(3)A motorcycle.

(b)“Automobile liability coverage” includes only coverage of bodily injury and property damage liability, medical payments, and uninsured motorists coverage.

(c)“Automobile physical damage coverage” includes all coverage of loss or damage to an automobile insured under the policy except loss or damage resulting from collision or upset.

(d)“Automobile collision coverage” includes all coverage of loss or damage to an automobile insured under the policy resulting from collision or upset.

(e)“Renewal” or “to renew” means to continue coverage with either the insurer which issued the policy or an affiliated insurer, as defined in Section 1215, for an additional policy period upon expiration of the current policy period of a policy, provided that if coverage is continued with an affiliated insurer, it shall be the same or broader coverage as provided by the present insurer, and the insured shall be notified in writing at least 20 days prior to expiration of the current policy period of all of the following:

(1)That the insurer has determined that it will not offer renewal of the policy with the present insurer.

(2)That it is offering replacement in an affiliated insurer.

(3)That the insured may obtain in writing the reasons for the change in insurers if he or she requests in writing not later than one month following the expiration of the policy period the reason or reasons for the change in insurers. Any policy with a policy period or term of six months or less, whether or not made continuous for successive terms upon the payment of additional premiums, shall, for the purpose of this chapter be considered as if written for a policy period or term of six months. Any policy written for a term longer than one year, or any policy with no fixed expiration date, shall for the purpose of this chapter, be considered as if written for successive policy periods or terms of one year.

(f)“Nonpayment of premium” means failure of the named insured to discharge when due any of his obligations in connection with the payment of premiums on a policy, or any installment of such premium, whether the premium is payable directly to the insurer or its agent or indirectly under any premium finance plan or extension of credit.

(g)“Cancellation” means termination of coverage by an insurer (other than termination at the request of the insured) during a policy period.

(h)“Nonrenewal” means a notice by the insurer to the named insured that the insurer is unwilling to renew a policy.

(i)“Expiration” means termination of coverage by reason of the policy having reached the end of the term for which it was issued or the end of the period for which a premium has been paid.

Notes of Decisions
Cited in 10 cases (6 in the last 5 years), 1978–2025 · leading case: Adams v. Explorer Ins., 107 Cal. App. 4th 438 (Cal. Ct. App. 2003).
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Adams v. Explorer Ins., 107 Cal. App. 4th 438 (Cal. Ct. App. 2003). · cites it 2× “3 (Ins. Code, § 660, subd. (a).) The term “coverage” as it is used in sections 661 and 668.”
Fujimoto v. W. Pioneer Ins., 86 Cal. App. 3d 305 (Cal. Ct. App. 1978). · cites it 3× “” (Ins. Code, § 660, subd. (e).) The Premium Notice, after indicating a term of six months, a due date of June 21, 1976, and a total premium of $215, stated in part: “Upon receipt of payment you will receive a continuation certificate of your policy for an additional period as…”
Clarendon Nat'l Ins. v. Ins. Co. of the West, 442 F. Supp. 2d 914 (E.D. Cal. 2006). “Cal.Ins.Code § 660(g). Policies of insurance generally may be cancelled only by mutual consent or if the right to do so is reserved in the policy or is authorized by statute.”
King v. Nat'l Gen. Ins. Co., 186 F. Supp. 3d 1062 (N.D. Cal. 2016). · cites it 2× “” Cal. Ins. Code § 660 (b)-(d). Thus, Plaintiffs argue that the term “for that coverage” in section 1861.”
Edd King v. Nat'l Gen. Ins. Co., No. 4:15-cv-00313 (N.D. Cal. June 11, 2021). · cites it 2× “First, it determined that “NGAC’s recreational vehicle program 19 is not subject to the Lowest Rates Rule as a matter of law” because the cross-offer requirement only 20 applies to the auto insurance policies defined in Cal. Ins. Code § 660 (a), which does not include 21…”
Clement 1 LLC v. Scottsdale Ins. Co., No. 2:23-cv-03779 (C.D. Cal. July 11, 2023). “” Cal. Ins. Code § 660 (g). Generally, insurance policies may be cancelled only pursuant to their terms, by mutual consent, or where authorized by statute.”
Wheeler v. Am. Fam. Home Ins. Co., 632 F. Supp. 3d 1063 (N.D. Cal. 2022). “See Cal. Ins. Code § 660 (d) 9 (2017) (defining collision coverage as including “all coverage of loss or damage to an automobile 10 insured under the policy resulting from collision or upset.”
Setty v. United Fin. Cas. Co., No. 3:23-cv-02464 (N.D. Cal. Aug. 11, 2023). “” Cal. Ins. Code § 660 (e). 16 “‘Expiration’ means termination of coverage by reason of the policy having reached the end of the 17 term for which it was issued or the end of the period for which a premium has been paid.”
Setty v. United Fin. Cas. Co., No. 3:23-cv-02464 (N.D. Cal. Sept. 19, 2023). “” Cal. Ins. Code § 660 (e). 18 “‘Expiration’ means termination of coverage by reason of the policy having reached the end of the 19 term for which it was issued or the end of the period for which a premium has been paid.”
Edd King v. Nat'l Gen. Ins. Co., No. 4:15-cv-00313 (N.D. Cal. May 5, 2025). “Plaintiffs originally sought to certify a class 8 defined as: 9 All of Defendants’ current and former policyholders qualified under California law to purchase a Good Driver Discount policy who, from 10 January 1, 2008 through the present (the “Class Period”), paid premiums for…”
Cal. Insurance Code § 660(a): 1 case
King v. Nat'l Gen. Ins. Co., 186 F. Supp. 3d 1062 (N.D. Cal. 2016). “” Cal. Ins. Code § 660 (b)-(d). Thus, Plaintiffs argue that the term “for that coverage” in section 1861.”
Cal. Insurance Code § 660(g): 1 case
Clarendon Nat'l Ins. v. Ins. Co. of the West, 442 F. Supp. 2d 914 (E.D. Cal. 2006). “Cal.Ins.Code § 660(g). Policies of insurance generally may be cancelled only by mutual consent or if the right to do so is reserved in the policy or is authorized by statute.”
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