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Vehicle Insurance Coverage Required by the State of California

According to California vehicle insurance regulations, you are required to have the following coverage:
Required Coverage
Liability:
Bodily Injury
Property Damage
Uninsured Motorist Bodily Injury
(Can be waived in writing)
Underinsured Motorist Bodily Injury
(Can be waived in writing)
 State Minimum Limits

$15,000/$30,000
$5,000
$15,000/$30,000

California Vehicle Insurance Coverage You May Want to Add
Your California vehicle insurance may also include the following coverages:
Waiver of Collision Deductable
Mexico Coverage
Medical Payments
Comprehensive
Collision

Minimum California Vehicle Insurance Limits May Be Too Low
For the best California vehicle insurance protection, you may want to carry at least the following amounts of coverage:
Liability Coverage
Uninsured Motorist
Medical Payments
Collision
Comprehensive
 $100,000/$300,000/$100,000
$100,000/$300,000/$100,000
$5,000
$500
$500

If you want to purchase a California vehicle insurance umbrella policy, most insurance companies require you to carry specific limits of liability on all your underlying (automobile and homeowner's) insurance policies. In many cases, you may be asked to have limits of $250,000/$500,000 in order to be eligible for an insurance company's umbrella coverage.

Lowering Your California Vehicle Insurance Premiums
Here are a couple of simple ways to lower your California vehicle insurance premiums: Vehicle insurance premiums are determined by weighing a number of different factors and deciding how much of a risk each of those factors represents—including the age of drivers, driving record, etc. Some factors you have no control over. Others you have choices that can help you lower your vehicle insurance premium. Here are some suggestions.
  • Many experts recommend a deductible of between $500 to $1,000 to help lower your California vehicle insurance premiums. The more you’re willing to pay out-of-pocket, the better your premium can be.

  • If the resale value of your vehicle is less than $3,000, many experts suggest that you consider dropping collision and comprehensive coverage altogether. It is an expensive part of your California vehicle insurance. However, if you do drop this coverage and your vehicle is stolen or you crash it, you would have to pay for repairs or replacement yourself.

  • Be sure to ask about any available California vehicle insurance discounts. How much and what things can earn you a discount will vary from company to company and even from state to state. It’s still always worth asking about.
    Every dollar helps.

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