What are the minimum California auto insurance requirements?

For auto liability coverage, California has the following requirements:

  • $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.

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.

UM/UIM BI covers medical expenses for you and your passengers if you are hit by a driver with not enough coverage or no insurance at all.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $700 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 will require you to carry physical damage coverages. And if your vehicle is valued at more than $2,000, it's wise to have protection that can pay for the repair or replacement of your car if it's in an accident, gets stolen, or is otherwise damaged as a result of a covered incident.

Consider these other coverages:

Medical payments

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

Uninsured/underinsured property damage (UM/UIM PD)

UM/UIM PD pays for damage an uninsured driver causes to your vehicle.

How much is car insurance in California?

In 2020, the average cost of a California liability-only auto policy with Progressive was $118 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 discounts to California drivers, including:

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

See more ways to save on car insurance.

Interesting facts about California car insurance

  1. In 2018, 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 applies strict penalties for lapsed auto insurance, including suspension of your car registration and fines of up to $500.

How to get insurance in California


We ask simple questions and you choose your coverages.

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