California Car Insurance Laws and Regulations
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California Auto Insurance

Requirements of Motorists under CA State Law

Everyone has an opinion about insurance. Some people believe it is a conspiracy to con hardworking people out of money. You can not imagine how much you need insurance until you something happens that you were not prepared for.

Weather its a car accident, a flu, a fire,or a theft these things happen all the time. You never know if or when something might happen to you. Don't be caught off guard by life's unpredictable events.

There are certain "requirements" that are applicable to each state and varies accordingly. We have attempted to compile all of the relevant information in to this single resource to help visitors know what is expected of them in regards to insurance.

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California Car Insurance Requirements

Coverage Minimum - *15/30/5

Coverage Explanation - Car insurance coverage in California must provide a minimum of $15,000 for injury liability for one person in an accident, $30,000 for all injuries in an accident, and $5,000 for property damage in an accident.

*Under California auto insurance law, Californians are now able to purchase low cost, reduced limit, automobile liability coverage. The California Low Cost Automobile Insurance Program (CLCAIP) is a pilot program which will satisfy the financial responsibility laws of the State of California. Under California auto insurance law, these policies are available to qualified persons residing in the counties of Los Angeles and San Francisco.

Briefly, the qualifications are based primarily upon:

  • Household Income
  • Driving Record (accidents and violations)
  • Vehicle Purchased Value

In accordance with California auto insurance law, the California Automobile Assigned Risk Plan administers the program. They can be reached at 1-800-622-0954 for additional information.

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Important California Auto Insurance Laws!

1. All drivers in california must be able to demonstrate ability to be *financially responsible for damages or injury to others resulting from the ownership or operation of a motor vehicle.

Important to Note:

*There are four ways to accomplish financial responsibility under California auto insurance law:

  1. Coverage by a motor vehicle or automobile liability insurance policy;
  2. A cash deposit of $35,000 with the Department of Motor Vehicles (DMV);
  3. A certificate of self-insurance issued by DMV to owners of fleets of more than 25 vehicles; or
  4. A surety bond for $35,000 obtained from an insurance company licensed to do business in California.

Under California auto insurance law, all California drivers and owners must have at least the statutory limits of minimum auto liability insurance or an approved alternative way to pay for injury or property damage they may cause. Penalties are very severe for non-compliance with this section of the vehicle code.

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