Personal Auto Insurance

Auto insurance provides coverage for an individual's vehicle against damages or losses due to accidents, theft, or vandalism. It can also protect against legal expenses that may arise due to a vehicular accident.

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California car insurance is a mandatory requirement for everyone who owns a car in California. The state of California requires drivers to have at least liability insurance coverage, which covers the cost of damages to property and injuries to other people if you are found at fault in a car accident. It’s important to shop around for the best car insurance rates, as rates can vary widely among different insurance providers. Other types of car insurance coverage include collision insurance, which covers damage to your car in case of an accident, and comprehensive insurance, which covers damages to your car from non-accident-related incidents such as theft or natural disasters. Drivers should also be aware of the various discounts available, such as good driver discounts or multi-vehicle discounts. By understanding the various types of car insurance coverage and discounts, you can make an informed decision when selecting the best car insurance policy for your needs.

California State Requirements

Here are the minimum liability insurance requirements (per California Insurance Code §11580.1b):

Liability insurance compensates a person other than the policy holder for personal injury or property damage.

Comprehensive or collision insurance does not meet vehicle financial responsibility requirements.

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California drivers pay more for car insurance than anywhere else in the United States. The lowest average cost for a driver in California is $53 per month. The national average is $47. When it comes to full coverage, the difference is significant, with an average monthly charge in California of $190 and a national average of $148.
Not in California. It is one of a handful of states who have made it illegal for insurance companies to base their rates on credit scores.
Yes, family members are insured under your policy. Family member is defined in your policy as a person related to you by blood, marriage or adoption who is a resident of your household. This includes a ward or foster child. Please note these family members should be listed as drivers under your policy.
In California, someone who is not a US Citizen can get insurance if they have a driver’s license. A driver’s license can be obtained through the “AB 60” law. They will also need to provide proof of identity and California residency. If you have any questions regarding your specific situation, please speak to one of our agents.
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