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What are California's minimum auto insurance requirements?
California requires all drivers to maintain minimum auto insurance coverage of $30,000/$60,000 for bodily injury liability, $15,000 for property damage liability, and uninsured motorist coverage. These requirements are mandatory as of 2025.
California Minimum Auto Insurance Requirements (2025)
| Coverage Type | Minimum Required | |
|---|---|---|
| Bodily Injury (per person) | $30,000 | |
| Bodily Injury (per accident) | $60,000 | |
| Property Damage | $15,000 | |
| Uninsured Motorist Bodily Injury | $30,000/$60,000 | |
| Uninsured Motorist Property Damage | $3,500 |
How to Get Cheap Car Insurance in California
California drivers can reduce insurance costs by comparing quotes from multiple carriers, maintaining good credit, bundling policies, choosing higher deductibles, and asking about available discounts. These strategies typically save drivers $200-$500 annually.
- 1.Compare Multiple QuotesGet quotes from at least 5-7 insurers to find the best rates - can save $200-$500 annually
- 2.Bundle Your PoliciesCombine auto with home or renters insurance for multi-policy discounts up to 25%
- 3.Maintain Good CreditCalifornia allows credit-based insurance scoring - excellent credit can reduce rates by 30%
- 4.Choose Higher DeductiblesIncreasing from $500 to $1,000 deductible can save 15-30% on comprehensive and collision premiums
- 5.Ask About DiscountsGood driver (10-15%), good student (10-15%), military (5-15%), and safety feature discounts available
- 6.Take Defensive Driving CourseCalifornia-approved defensive driving courses can reduce premiums by 5-10% for mature drivers
How much does car insurance cost in different California cities?
Car insurance costs vary significantly across California cities in 2025. Los Angeles has the highest average annual cost at $2,190, while Fresno offers the most affordable rates at $1,698 per year.
Average Annual Car Insurance Cost in California Cities (2025)
| City | Average Annual Cost | vs State Average | |
|---|---|---|---|
| Los Angeles | $2,190 | +18% | |
| San Francisco | $1,962 | +6% | |
| San Diego | $1,844 | -1% | |
| Sacramento | $1,716 | -8% | |
| Fresno | $1,698 | -9% | |
| Oakland | $2,045 | +10% | |
| San Jose | $1,823 | -2% | |
| Long Beach | $2,156 | +16% |
What Our Users Say
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"QuoteMoto made finding SR-22 insurance so easy! I was back on the road in no time and saved over $400 a year."
Michael T.
San Diego, CA
Saved $427/year
"The comparison tool is amazing. I found better coverage for less money than I was paying before."
Sarah L.
Los Angeles, CA
Saved $376/year
"As a high-risk driver, I thought I'd never find affordable insurance. QuoteMoto proved me wrong!"
David R.
Sacramento, CA
Saved $531/year
"Quick, easy, and saved me money. What more could you ask for?"
Jennifer K.
San Francisco, CA
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What factors affect car insurance rates in California?
California car insurance rates are primarily influenced by driving record, age, location, credit score, and vehicle type. Drivers with clean records in rural areas typically pay 40-50% less than high-risk urban drivers. The most significant factor is driving history, which can increase rates by 40-100% for violations.
Factors That Affect Your California Car Insurance Rates (2025)
| Factor | Impact on Rate | Typical Change | |
|---|---|---|---|
| Driving Record | High Impact | +40% to +100% for violations | |
| Age | High Impact | Teens pay 2-3x adult rates | |
| Credit Score | Medium Impact | Poor credit +67% avg | |
| ZIP Code | High Impact | Urban +50% vs rural | |
| Vehicle Type | Medium Impact | Luxury/sports +20-40% | |
| Coverage Level | High Impact | Full coverage 2-3x liability | |
| Annual Mileage | Low Impact | +3% per 5,000 miles | |
| Marriage Status | Low Impact | Married drivers -5% to -10% |
What is the cheapest car insurance in California?
Is $200/month for car insurance good in California?
What happens if you drive without insurance in California?
How much can I save on car insurance in California?
What car insurance do most Californians use?
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Find Affordable Car Insurance Quotes in California
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Understanding SR-22 Insurance in California
Everything you need to know about SR-22 requirements, costs, and how to get coverage quickly.
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California Non-Owner Insurance Guide
Complete guide to non-owner car insurance - who needs it, what it covers, and how much it costs.
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California Auto Insurance Coverage Options
Minimum Coverage Requirements
California law requires all drivers to carry minimum liability insurance:
- $30,000 bodily injury per person
- $60,000 bodily injury per accident
- $15,000 property damage
While minimum coverage keeps you legal, consider higher limits for better protection.
Learn More About RequirementsOptional Coverage Types
Additional coverage options for complete protection:
- Comprehensive: Covers non-collision damage like theft, vandalism, and weather
- Collision: Covers damage to your vehicle in an accident
- Uninsured Motorist: Protects you from drivers without insurance
- Medical Payments: Covers medical expenses regardless of fault
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