What auto insurance coverage is required in California?

California requires minimum liability coverage: $15,000 bodily injury per person, $30,000 per accident, and $5,000 property damage (15/30/5). However, these minimums may not be enough — we recommend higher limits.

What is uninsured motorist coverage?

Uninsured/underinsured motorist coverage protects you when the at-fault driver has no insurance or insufficient coverage. In California, about 15% of drivers are uninsured, making this coverage highly recommended.

Do I need collision and comprehensive coverage?

If you have a car loan or lease, your lender will require both. Even without a loan, collision covers accident damage to your car, and comprehensive covers theft, vandalism, weather, and animal strikes.

How can I save on auto insurance in California?

Bundle policies, maintain a clean driving record, take defensive driving courses, ask about discounts (good student, low mileage, multi-car), and compare quotes from multiple carriers.

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About Affordable Auto Insurance California

At Affordable Auto Insurance California, we believe quality coverage shouldn’t break the bank. We work with young drivers and budget-conscious families across California statewide to find the sweet spot between comprehensive protection and affordable premiums. Smart coverage, honest prices — that’s our promise.

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Frequently Asked Questions

What car insurance is required in California?

California requires minimum liability coverage of 30/60/15 — $30,000 per person and $60,000 per accident for bodily injury, plus $15,000 for property damage. Minimum limits satisfy the law but are often far below what a serious accident costs, which is why many drivers carry higher limits.

What's the difference between liability-only and full coverage?

Liability-only pays for damage you cause to others; it never pays to fix your own car. 'Full coverage' adds collision and comprehensive, which cover your vehicle for accidents, theft, vandalism, and weather. Lenders require full coverage on financed vehicles.

How can I lower my California auto insurance rate?

Compare multiple carriers, ask about California's Good Driver discount, consider higher deductibles, and bundle with home or renters coverage. Rates for the same driver can vary widely between carriers, so shopping matters more than any single discount. Call (877) 411-5200 for a multi-carrier comparison.

Does car insurance follow the car or the driver in California?

Primarily the car. If you lend your vehicle to a licensed driver with your permission, your policy is generally the one that responds first. That's worth remembering before handing over the keys.