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California Auto Insurance Coverage Options
Minimum Insurance Requirements in California
As of January 1, 2025, California state law requires all drivers to carry at least the following minimum coverage:
- $15,000 for damage to property
- $60,000 for injury/death to more than one person
- $30,000 for injury/death to one person
These minimums, often called "30/60/15", are the basic liability insurance requirements. However, most California drivers choose higher coverage limits for better protection.
Learn more about California requirements →Optional Coverage Types
Beyond the basic liability insurance, California drivers can add these valuable protections:
- Comprehensive: Covers damage from theft, vandalism, natural disasters, and more
- Collision: Pays for repairs to your vehicle after an accident regardless of fault
- Uninsured/Underinsured Motorist: Protects you if you're hit by a driver with insufficient coverage
- Medical Payments: Covers medical expenses regardless of who caused the accident
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