California’s minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state.  The following is a breakdown of minimum liability requirements for California:

Is it mandatory to have car insurance in California?


What are the minimum limits for California?

$15,000 bodily injury per person
$30,000 bodily injury per accident
$5,000 property damage per accident



What is the maximum bodily injury liability and property damage limit in California?

This can vary by company, however commonly:

$250,000 bodily injury per person
$500,000 bodily injury per accident
$100,000 property damage per accident



What liability coverages are required to be offered in California? Can a customer reject them?

Bodily Injury and Property Damage must be offered and can’t be rejected. Underinsured Motorist Bodily Injury and Uninsured Motorist Bodily Injury must be offered, but can be rejected.

How far back does California go to look at violation history?

3 to 5 years depending on the carrier.

What additional policy types are offered in California?

Named Non-Owner

Is an insurance score used in my rating in California?

No insurance scoring is used in California.

What policy terms are available in California?

Monthly, 6 and 12 months depending on carrier.

What is the minimum down payment option in California?

Typically 1 month, can vary by risk

Are SR22s used in California?  If so, is there a fee assessed? Is it filed electronically?

SR22s are available, filed electronically, fees vary by carrier.

What discounts are available in California?

  • Homeowner
  • Defensive driver course
  • Multi-car
  • Paid in full
  • Multi-Policy
  • EFT
  • Good Student
  • Resident Student
  • Safe Driver
  • Telematics
Get a California Auto Quote