California Car Insurance Requirements (Updated for 2025)
California drivers are legally required to carry minimum liability insurance to operate a vehicle. As an at-fault state, the driver responsible for a crash is liable for damages. Here’s what’s required in 2025 and optional coverage worth considering.
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Minimum Liability Coverage in California
As of 2025, California law requires the following minimum auto insurance coverage (recently increased):
- Bodily Injury Liability: $30,000 per person / $60,000 per accident
- Property Damage Liability: $15,000 per accident
This is commonly known as 30/60/15 coverage.
Optional Coverages to Consider
- Uninsured/Underinsured Motorist (UM/UIM) Coverage
- Medical Payments (MedPay)
- Comprehensive Coverage
- Collision Coverage
- Rental Reimbursement
- Roadside Assistance
UM/UIM and MedPay must be offered by insurers, but you can decline in writing. Full coverage may be required by your lender if your car is leased or financed.
Penalties for Driving Without Insurance
- Fines starting at $100–$200 for first offense
- License and registration suspension
- Impoundment of your vehicle
- SR-22 insurance requirement for high-risk drivers
Proof of Insurance Requirements
You must show proof of insurance when requested by law enforcement, during vehicle registration, or after an accident. Accepted proof includes:
- Printed insurance ID card
- Digital proof (e.g., insurer’s mobile app)
- Electronic DMV verification
Compare Auto Insurance Quotes in California
California auto insurance rates vary widely depending on location, vehicle, and driving history. Use the tool below to compare quotes from top insurers in your area:
FAQs
Is California a no-fault state?
No. California is an at-fault state. The person who caused the accident is responsible for paying for damages and injuries.
Is PIP coverage required in California?
No. California does not require Personal Injury Protection (PIP). Instead, optional MedPay is available to cover medical expenses.
What is an SR-22 in California?
An SR-22 is a form filed by your insurance company to verify that you carry the required liability coverage, typically after a serious traffic offense or license suspension.