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California Auto Insurance Requirements


It is illegal in California to drive without car insurance. This applies even if you are moving to California. In addition to it being illegal, simply driving for one day without coverage can lead to significantly higher rates so never cancel a policy if a new one is not yet present so you can avoid a gap in the coverage.


State Minimum Requirement in California:


Every state has their car insurance need to determine what minimum and coverages you need on your policy. They can impact your insurance’s overall cost.

Here are the requirements in California:

  • Bodily Injury Liability Coverage: $15,000 per person / $30,000 per accident minimum.

  • Property Damage Liability Coverage: $5,000 minimum.

  • Uninsured Motorist Bodily Injury Coverage: $15,00 per person / $30,00 per accident minimum.

If you are moving from a state that has lower requirements (there aren’t many), you’ll need to purchase more coverage to account for the new minimums.


Different Zip Code:


Aside from the state requirements, individuals zip codes can affect how much you pay for auto insurance. Zip codes assist carriers to adjust for driving risk factors like potential natural disasters, crime rates, and traffic.


Based on these risk factors, drivers living in the city may expect higher premiums compared to the drivers in the countryside even if it has the same insurer and driving record. If you live in a suburban area, you can have low premium rates because the percentage of traffic, crime, and accidents is small.


Unfortunately, here in California there are many drivers that do not have insurance. This can create high premiums to offset the risk of uninsured drivers on the road. They set these prices regardless if your record is clean.


Changes in Life:


A lot may change in your daily routine when you move here. You should be aware if there are changes in your policy members or driving habits when moving so you can alert your insurer and make adjustments to get the right coverage.


How will I know if I’m not overpaying for insurance when moving to California?


Leave your old policy in effect but give us a call as soon as you get to California. We’re licensed to help anyone throughout the state so it doesn't matter where you move to and we have multiple insurance carriers to choose from so we always find clients low rates, regardless of your situation.

To learn more feel free to text us or calls us at (619) 799-9443, or request a free quote here.


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