California Auto Insurance Requirements
California law requires all drivers to carry minimum liability insurance: $15,000 per person, $30,000 per accident for bodily injury, and $5,000 for property damage (15/30/5).
Minimum Liability Coverage
California requires all drivers to carry at least 15/30/5 liability coverage. This means $15,000 for injury to one person, $30,000 for injury to multiple people in one accident, and $5,000 for property damage.
What Liability Insurance Covers
Liability insurance pays for damages you cause to other people and their property in an accident. It does not cover your own injuries or vehicle damage.
Penalties for Driving Uninsured
Driving without insurance in California can result in fines ranging from $100 to $200 for a first offense, plus penalty assessments that increase the total. Repeat offenders face higher fines and potential vehicle impoundment. Your registration may also be suspended.
Optional Coverage Types
Beyond the minimum, drivers can add collision coverage, comprehensive coverage, uninsured motorist protection, and medical payments coverage. These options provide broader financial protection in various accident scenarios.
How to Save on Auto Insurance
Compare quotes from multiple carriers to find the best rate. Ask about discounts for good driving records, bundling policies, low mileage, and completing defensive driving courses. Raising your deductible can also lower your monthly premium.