What are the minimum state requirements for car insurance in california?
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California Car Insurance Guide | Auto Insurance CA
This California car insurance buyers guide outlines how to make the best CA auto insurance choice for your lifestyle.
California Auto Insurance Quotes
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Get on the phone and call an agent.
They’re not enough to protect you in the event of an accident. State minimums aren’t enough protection in any state. And what the insurance won’t cover then you can be sued for.
typically choosing the “minimum state requirements” puts you in one of the lowest tiers, meaning you will pay out more each year than someone with the higher limits.
California Coverage State Requirements
Bodily Injury Liability
15,000/30,000
Property Damage Liability
5,000
Uninsured Motorist Bodily Injury
Not required
Medical Payments
Not required
Collision
Not required
Comprehensive
Not required
California law states you must be financially responsible for your actions whenever you drive and for all motor vehicles you own. Because of this law, California requires you carry liability coverage. The minimum limits of liability coverage available to still be considered “financially responsible” are $15,000 for a single death or injury, $30,000 for death or injury to more than one person and $5,000 for property damage, usually referred to as 15/30/5. You may also post a bond in the amount of $35,000 to meet this requirement. However, keep in mind the first sentence. “The law states you must be held financially responsible for your actions…” for example; if you elect to take a liability policy with the “minimum” required limits of 15/30/5 and you happen to do $10,000 in property damage, your are legally and “financially responsible” for the damage in excess of your policy limits, which means you could pay the additional $5,000 in property damage. Typically if you are a homeowner, or have assetts to protect, you will elect to take out a policy that has higher limits of liability coverage. If you would like a free auto quote, visit the website listed below. Hope this helps!
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