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Back in 1984, the California Legislature passed a law requiring drivers to have auto insurance… but didn't limit how much insurers could charge. Predictably, insurers hiked prices by double digits. Voters revolted against the price gouging by passing Prop 103, and the result was billions in savings. Prop 103 has saved California drivers over $100 billion dollars since 1988. That's about $8,125 per California household. In fact, California is the only state in the country where auto insurance rates actually went down over the last 25 years.