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I am not sure on the exact law in CA but, driving without a liceance is a criminal offense and I think it would be a safe guess that there is a clause in your policy that in order to be covered you must have a valid drivers liceance. This means that while your policy is not "cancelled", your insurance company will not cover you if you have an accident.

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Q: Will your auto insurance company cancell your policy if your drivers license expires in ca?
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