California minimum car insurance
| Bodily injury liability | $30,000 per person / $60,000 per accident |
|---|---|
| Property damage | $15,000 per accident |
| Also note | These limits replaced the older 15/30/5 minimums on January 1, 2025. Policies written before then were updated at renewal. |
Checked on October 31, 2026. Requirements can change, so confirm current rules with the California Department of Insurance. Minimum coverage is the legal floor, not a recommendation; many drivers choose higher limits.
What to check before comparing CA quotes
- Have your annual mileage estimate ready; it is one of the main rating factors in California.
- Check whether your current policy was renewed with the new 30/60/15 limits.
- Ask each quote whether uninsured motorist coverage was included or declined.
How to compare quotes fairly
Ask every company to quote the same liability limits, deductibles, drivers and vehicles. Then compare what is included, not only the monthly price.
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