California Auto Insurance Policy Requirements

Q: What is in a basic California auto insurance policy?
A: These are the main types of auto insurance that can be added to your California auto insurance policy:

  1. Liability Coverage
    1. Since property and people are completely separate insurance concepts, Liability insurance is divided into two types:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Liability coverage is required in California. To legally drive in California, along with having a valid driver’s license, you must at least have liability coverage in your auto insurance policy:
      1. $15,000 for injury/death to one person.
      2. $30,000 for injury/death to more than one person.
      3. $5,000 for damage to property.
      4. Also known as “15/30/5” (California’s minimum auto insurance requirement)
    3. Liability minimums are different for leased vehicles
  2. Collision Coverage is only required if your vehicle is financed (not completely paid for). Otherwise, collision is merely a recommended option as part of a California auto insurance policy.
  3. Comprehensive Coverage is only required if your vehicle is financed. Otherwise, comprehensive is an optional part of a California auto insurance policy.
  4. Medical Payments Coverage is recommended, but not required, for a California auto insurance policy.
  5. Uninsured (and Underinsured) Motorist Coverage is another optional, although recommended, insurance option in California.
  6. Personal Injury Protection (PIP) Coverage is not required for a California auto insurance policy.
  7. Other Options
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage

Q: Is California a No-Fault state?
A: No, California is not a no-fault state.


Q: How can I get a discount on a California auto insurance policy?
A: There are a number of ways you may qualify to save money on auto insurance policies. See our list of auto insurance discounts for more information.


Q: Where can I find more information about California auto insurance?
A: There are several sources of authoritative California insurance information on the internet:

  1. California Insurance Resources
    1. The California Department of Motor Vehicles (DMV) registers vehicles in California and licenses drivers. They also maintain driving records (convictions and accidents) of licensed drivers. The CA DMV website has anauto insurance page which answers some frequently asked questions about auto insurance requirements.
    2. The California Department of Insurance (CDI or CA DOI) is a regulatory agency that works to ensure stability and fairness in the insurance marketplace.
  2. National Insurance Resources

CLICKinsure is proud to serve the great state of California – the most populous state in the US. We help insure customers in Los Angeles, San Diego, San Jose, Oakland, San Francisco and all cities in between…in all 58 counties…from the sandy beaches of the Pacific coast to the rugged, snow-capped Sierra Nevada Mountains in the east. Let us be your broker, and we can get the best auto insurance policy for you.


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