California car insurance requirements
Every driver in California must carry at least this coverage. It’s an at-fault state: the driver who causes a crash is responsible for the damage.
| Coverage | Minimum required |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $15,000 per accident |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing.
What California drivers should know
- California raised its minimum liability limits on January 1, 2025 — from 15/30/5 to 30/60/15 — so older “state minimum” policies may need updating at renewal.
- Under Proposition 103, your driving record, annual miles driven and years of driving experience must carry the most weight in your price. Insurers can’t use your credit score to price car insurance in California.
- California offers a Low Cost Auto Insurance Program for income-qualified drivers with good records.
Home insurance in California
- Wildfire risk is the biggest factor for many California homeowners. Some insurers have limited new policies in high-risk areas, so comparing several companies matters more than ever.
- If you can’t find coverage, the California FAIR Plan is the state’s insurer of last resort for fire coverage, often paired with a separate “difference in conditions” policy.
- Standard home policies don’t cover earthquakes — coverage is sold separately, including through the California Earthquake Authority.
Ways to save in California
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.