What you need to know about driving in the Golden State and how to find a great rate.
miles of road
average monthly car insurance premium
average savings when comparing quotes with SmartFinancial
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
Medical and Funeral Services
Rental Car Reimbursement
Uninsured Motorist Bodily Injury
Uninsured Motorist Property Damage
California car insurance companies
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?
Ban on all cell phones for school bus drivers and novice drivers <18 years
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.