What is the minimum auto insurance required in California?

California requires liability insurance with minimum limits of $15,000 for bodily injury per person, $30,000 for total bodily injury per accident, and $5,000 for property damage.

Top Auto Insurance Coverage Choices for Drivers in California

Q: Should I get comprehensive coverage?

If you own a newer or valuable vehicle, comprehensive coverage is worthwhile as it protects against non-collision-related damages, such as theft or weather events.

Q: How can I lower my auto insurance premiums in California?

Keep a clean driving record, raise your deductible, and ask about discounts from your insurer.

Q: Is bundling auto and home insurance worth it?

Yes! Bundling policies often unlocks special discounts, making it an affordable choice for many California families.

Choosing the right auto insurance in California can seem complicated, but it doesn't have to be. With so many options, it's important to know what coverage is required and what extra protection you can add. Whether you're a new driver or have years of experience, understanding your choices will help you find the best coverage at the best price. To get started, check out insurance quotes designed for California drivers.

This article breaks down the most important coverage types for California drivers. You'll learn about state requirements, options for extra protection, and tips for choosing the policy that fits your needs. If you're new behind the wheel, make sure to compare policies for new drivers to get the best deal.

Real-life example: In a recent review, some Dallas drivers found premiums as low as $38 per month.

Understanding Your Coverage Options

California law requires all drivers to have a minimum level of insurance, but you can choose to add more coverage for extra peace of mind. The right coverage keeps you protected every time you drive. Curious how your price is calculated? See how Progressive calculates your quote.

Key Coverage Types for California Drivers

Instantly compare coverage options for California and start saving today.

Here are the most important types of coverage to consider for your policy:

Liability Coverage

Liability coverage is required for every driver in California. It pays for injuries or damage you cause to others in an accident, but it doesn't cover your own car. The minimum coverage amounts are:

$15,000 for bodily injury per person
$30,000 for total bodily injury per accident
$5,000 for property damage

Collision and Comprehensive Coverage

To protect your own car, add collision and comprehensive coverage. Collision pays for repairs after a crash. Comprehensive covers theft, vandalism, or weather damage. These options are a smart choice for newer or high-value cars. For affordable rates, see Allstate insurance quotes.

You can also adjust your deductible—the amount you pay out of pocket for each claim. A higher deductible usually means a lower monthly payment, but make sure you can afford it if you need to file a claim.

Uninsured/Underinsured Motorist Coverage

Not everyone on the road has enough insurance. Uninsured/underinsured motorist coverage protects you if you're hit by a driver with little or no insurance. While it's not required, this coverage can save you from big expenses if an at-fault driver can’t pay.

Common Questions about Coverage in California

What is the minimum insurance required in California?
At least $15,000 for bodily injury per person, $30,000 per accident, and $5,000 for property damage.

Should I get comprehensive coverage?
If your car is newer or worth a lot, comprehensive coverage is a smart investment. It covers damage from theft, storms, and more.

Ready to Compare Rates?

Don’t leave your coverage to chance. Use our quote tool to see your options and find the best price. Comparing policies is one of the easiest ways to save.

Frequently Asked Questions

How can I lower my auto insurance premiums in California?
Drive safely, increase your deductible, and ask your insurer about discounts.

Is bundling auto and home insurance worth it?
Yes! Bundling usually leads to extra discounts, making it a great value for many families.

Want to know more about insurance in California? Visit understanding auto insurance for a deeper look at coverage and requirements. Or check out top auto insurance providers for the best companies in the state.