Minimum Coverage Requirements in California
Meeting the state minimum keeps you legal. See whether it's enough — get your California quote.
Get your California quoteHow Much Does Car Insurance Cost in California?
What Affects Your Rate
- DUI violations add $80–$150/month compared to clean-record drivers in California — carriers treat first-time DUI differently than repeat offenses
- Los Angeles and San Francisco SR-22 rates run 20–30% higher than Fresno or Bakersfield due to population density and uninsured motorist rates
- Non-owner SR-22 policies cost $50–$90/month in California — required if you don't own a vehicle but need to reinstate your license
- Switching from monthly to six-month payment saves approximately 8–12% annually with most California carriers
- Drivers over 50 with SR-22 requirements typically qualify for 10–15% lower rates than drivers under 30 with identical violations
Compare car insurance rates in your state
Get quotes from licensed carriers — no obligation, no spam, results in minutes.
Get Your Free QuoteCoverage Types
SR-22 Insurance
SR-22 is not insurance — it's a form your carrier files with the California DMV certifying you maintain continuous liability coverage. The filing itself costs $15–$50, but your premium increases substantially due to the underlying violation.
Non-Owner SR-22
Non-owner policies provide liability coverage when you drive but don't own a vehicle. Required for license reinstatement if you sold your car during suspension or never owned one.
Liability Insurance
Covers injuries and property damage you cause to others. California's 15/30/5 minimums are among the lowest in the nation — one serious injury exceeds $15,000 within hours.
Uninsured Motorist Coverage
Pays your medical bills and lost wages when an uninsured driver hits you. California offers but does not require this coverage — you must reject it in writing or it's added automatically at policy inception.
Comprehensive Coverage
Covers theft, vandalism, fire, weather damage, and animal strikes. Not required by California law but typically required by lenders if you finance or lease your vehicle.
Collision Coverage
Pays to repair your vehicle after an accident regardless of fault. Optional unless required by your lender. Works with a deductible you choose at policy inception.
