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Minimum State Insurance Requirements » California

15 / 30 / 5

Personal injury insurance for the driver: $15,000

(maximum benefit paid per claim after the policyholder pays the deductible)

Personal injury coverage for all people involved in an accident: $30,000

Property damage coverage per claim: $5,000



California Car Insurance Information

Knowing the important California car insurance information before shopping for coverage will give consumers a valuable insight on what policy amounts to consider. Protecting the vehicle and passengers in the event of the unthinkable is wise, not to mention required by law.

California Car Insurance Information

Liability insurance is required in the state of California. This insurance is meant to protect against monetary costs resulting from an accident. Drivers who cause damage or injury are financially responsible for these costs.

California roadways can be dangerous. In major metropolitan areas like Los Angeles, San Francisco and San Diego the traffic can be a nightmare. All it takes is one fender-bender involving an expensive Porsche or BMW and suddenly the at-fault driver’s world changes forever. Properly insuring a vehicle gives peace of mind and also means medical reimbursement for those injured in a road accident. The sheer size of California and its very large – over 37 million – human population has resulted in a great many insurance companies and independent agents operating in the state.

Car Insurance Minimum Requirements

In California drivers are required by law to carry liability insurance that provide coverage of at least $15,000 for medical costs related to an injured party who is deemed to be not at fault in an accident. A minimum of $30,000 in protection is mandatory to cover the costs associated with all injuries in a single accident. Additionally, a minimum of $5,000 in property/vehicle damage protection must be carried by all drivers. Personal injury protection and uninsured motorist coverage is not required in California but is highly recommended. Nearly 15 percent of all California drivers are carrying no liability insurance.

Car Insurance Companies

Agencies representing every major insurance company are licensed to sell policies throughout California. Considering the huge number of vehicles on the roadways across the Golden State, finding an agent ready to offer a complete vehicle protection package is not difficult. Customers are advised to shop carefully when insuring a vehicle because certain providers offer discounts to a particular segment of the population. Some providers have lower insurance rates for those with no moving violations or traffic points. Others can offer substantial savings when liability insurance covers not only the vehicle owner but also others living in the same household. Many insurance agencies in California advertise according to their specialty. This could be a total insurance package that includes health and homeowner’s coverage as well as liability and collision protection for the family car.

Free Car Insurance Quotes For California

California car insurance information needed will include the make and model of the vehicle, the age of the driver, what the vehicle is used for and where it is located when parked at night. Immediate preliminary quotes can be obtained online and a final insurance package can be completed with several payment plans available. To obtain a free quote on auto insurance simply go .

Car Insurance Rates

Auto insurance rates in California are right on the national average. Most drivers with few or no accidents, no lapses in coverage and no license suspensions can expect a yearly cost of about $1,230 per vehicle. This includes the mandatory liability insurance as well as collision and comprehensive protection. Actual rates will vary according to the vehicle type. Adding personal injury protection and uninsured motorist coverage will typically not increase rates significantly if both liability protection and collision insurance are included in the policy.