California Car Insurance

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Here's what you need to know...
  • You should do your best to carry more car insurance than California requires
  • Local agents can help you find the best company to meet your needs and provide the necessary coverage
  • Many companies in California offer discounts for various reasons, so be sure to ask which discounts you qualify for


California is one state that has very complex auto insurance laws.

Minimum California auto insurance coverage requirements according to state law include: $15,000 per person for injury, $30,000 per accident for injury, and $5,000 for property damage liability.

Those are very low limits to begin with, but there is an even lower tier to consider.

California has what is called the California Automobile Assigned Risk Plan, which has much lower limits for drivers: $10,000 per person for injury, $20,000 per accident for injury, and $3,000 for property damage liability.

To compare California auto insurance quotes from multiple companies, enter your zip code above!

California Car Insurance Coverage

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You’re always going to be better off getting more coverage when you can.

While state minimum coverage will keep you legal, it’s not going to keep you safe, financially or otherwise.

Imagine getting in an accident on the freeway. You damage two cars plus your own and have some minor injuries to yourself. The other drivers have minor injuries, and one person is critically injured as well.

When all is said and done, the medical bills total over $100,000.

There were four people involved in the accident, which means you had $60,000 coverage for all of them.

The $30,000 per accident coverage picked up some more of the costs, but you’re still out $10,000 in medical bills that you’ll have to pay out of your own pocket.

Not to mention the fact that all three cars are totaled, bringing the property damage to well over $18,000, giving you another $13,000 bill to pay if you only have minimum coverage.

An alternative to this example scenario is if you would have paid $30 to $50 more per month.

You could have easily increased your injury coverage, quadrupled your property damage coverage, and been left with no bills to pay or lawsuits to face because of the accident.

It just makes sense to protect yourself.

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California Car Insurance Tips

  • Buy car insurance from companies you know and trust
  • Get a California auto insurance policy that provides the best rate for the coverage that you get, not just the lowest cost
  • Use a local agent if you aren’t sure about working directly with a company or want to learn more about insurance. They’re free to use and there to help
  • Get three to five quotes before choosing a policy so that you can properly compare options

California Car Insurance Providers and Discounts

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There are dozens of providers to choose from in California.

Allstate, Geico, Progressive, Nationwide, and other top companies all offer policies in the state, along with many other local and regional companies.

You will have to review your options and choose the California auto insurer that offers:

  • Quality service
  • Fast, efficient claims processing
  • Competitive rates
  • High coverage limits
  • Upstanding reputation

If you check with each company that you consider, you will be able to get discounts on your car insurance rates depending on your personal situation.

Ask them which discounts you qualify for.

Students with good grades, safe drivers, people with multiple cars or policies to insure, and those who have been driving for a long time can often get huge savings on their insurance by asking for discounts.

California Car Insurance Quotes Online

It’s all about comparing options to find the insurance that works for you, because in the end that is all that really matters.

Get started comparing options for California car insurance now! Use our free quote tool to find coverage from multiple insurance companies.

FREE Car Insurance Comparison

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