Car Insurance Laws

Minimum insurance requirements in California

Liability coverage is legally required in California and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident.

Bodily injury coverage per person

This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

Bodily injury coverage per accident

This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

Property damage per accident

This is the maximum dollar amount that pays for damage that you cause in an accident.

Optional coverage in California

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage

California car insurance companies

State Farm
Liberty Mutual

Car Insurance FAQ

Are digital insurance cards accepted in California?

Yes, If you happen to find yourself pulled over by a police officer in California you won’t have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in California?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

Uninsured drivers in California
Uninsured drivers Nationwide

How much does car insurance cost in California cities?

1Los Angeles$2,125
3San Francisco$2,125
6San Bernadito$2,125
7Long Beach$2,125
9Santa Clara$2,125
11San Diego$2,125

California Driving Laws

California Texting and Driving Laws

  1. Ban on hand-held cell phones
  2. Ban on all cell phones for school bus drivers and novice drivers <18 years
  3. Ban on text messaging for all drivers
Alcohol Related Fatalities in California
Annual DUI arrests in California
Annual DUI arrest average in US

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements. If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.

California Insurance Rates

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