Frequently Asked Questions
Everything you need to know about auto insurance in California.
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.
Still Have Questions?
The team at Affordable Auto Insurance California is happy to help. Get a free quote or call us today.