California car insurance

Whether you drive by the majestic Redwoods or navigate the hilly terrain of San Francisco, Progressive has you covered if you're looking for great car insurance in California. Learn more about California car insurance minimums, available coverages, and discounts to keep your insurance costs down.

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What are the minimum California auto insurance requirements?

California car insurance laws require all drivers to have coverage. While the state has minimum requirements, sometimes extra insurance makes sense. The minimum amount of liability insurance in California is as follows:

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

You can always increase your auto liability limits to fully protect your assets. Consider setting your limits high enough to cover your total net worth.

Uninsured motorist coverage in California

Uninsured motorist (UM) and underinsured motorist (UIM) bodily injury coverage covers medical expenses for you and your passengers if you are hit by a driver with too little or no insurance. California also recommends uninsured/underinsured bodily injury coverage (UM/UIM BI) with the following minimum limits:

  • UM/UIM BI: $15,000 per person, $30,000 per accident

Note: This coverage can be rejected.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save nearly $750 on average.* Get an auto insurance quote today.

Adding comprehensive and collision coverage protects your vehicle

If you're leasing or financing a vehicle, most lenders in California will require you to carry comprehensive and collision coverages. Comprehensive coverage helps pay for damages to your car that are out of your control, such as theft, fire, or deer strikes. Collision coverage helps cover damages if your car is in an accident with another car or stationary object, like a tree. It's generally worth considering these coverages if you're not sure you could afford to repair or replace your vehicle yourself if it were damaged or stolen.

California medical payments coverage

Medical payments cover the cost of injuries to you or your passengers after a covered accident. Learn more about medical payments coverage.

How much is car insurance in California?

In 2020-2021, the average cost of a California liability-only auto policy (single driver/single car) with Progressive was $68 per month.** Keep in mind that your rate varies based on many factors, including your ZIP code, driving history, coverage selection, and the number of vehicles on your policy.

Can I get cheaper car insurance in California through discounts?

Progressive offers several auto insurance discounts to California drivers, including:

  • Multi-car
  • Multi-policy
  • Vehicle recovery device
  • Good driver
  • Driver improvement course
  • Occasional operator
  • Occupation based group program

Interesting facts about California car insurance

  1. In 2019, California topped the nation for reported motor vehicle thefts in the country. Comprehensive coverage can pay to replace a stolen vehicle.

  2. California doesn’t allow insurance companies to use your credit score in auto insurance rate calculations.

  3. California may apply strict penalties for lapsed auto insurance, so it's important to keep your policy up to date.

How to get insurance in California

Online

We ask simple questions and you choose your coverages.

Get a car insurance quote

Call a rep

A licensed representative can help to guide you through the process.

Call 1-866-749-7436

Quote car insurance online or give us a call

Learn more about car insurance policies.

Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.