California · Auto Insurance
California Auto Insurance
Protects you, your vehicle, and others on the road from accident, theft, and liability losses. Typical California premium is approximately $2,065/year.
Avg Premium
$2,065/yr
Risk Score
82/100
Consumer Protection
60/100
No-Fault
No
Coverage requirements in California
California requires minimum liability limits of 15/30/5. Most insurance experts recommend higher limits (100/300/100 or 250/500/250) to protect personal assets.
Coverage types
- Liability — Pays for injury or property damage you cause to others.
- Collision — Repairs to your vehicle after a collision regardless of fault.
- Comprehensive — Theft, vandalism, weather, and animal-strike damage.
- UM/UIM — Pays when an uninsured or underinsured driver causes your injuries.
- PIP / MedPay — Medical bills for you and your passengers.
Top California savings opportunities
- Bundle with home
- Raise deductible
- Telematics discount
- Good driver discount
Common exclusions
- Intentional damage
- Racing
- Commercial use
- Wear and tear