California Auto Insurance
 
California Minimum Legal Requirements
 
  • Minimum injury liability for one person in an accident:   $15,000
  • Minimum injury liability for all injuries in an accident:  $30,000
  • Minimum liability for property damage in an accident:    $5,000
  • Personal injury protection (PIP) required?  NO
  • Uninsured motorist insurance coverage required?  NO
  • No Fault State? NO

*Low-cost policy minimums for Los Angeles and San Francisco for eligible low-income drivers in the California Automobile Assigned Risk Plan are 10/20/3, effective , July 1 2000 to January 1 2007.

California Insurance Department

300 South Spring St. , South Tower
Los Angeles , CA, 90013
Phone: 213-897-8921
 
 
Your Driver Profile                      Recommended Providers
 
PREFERRED RISK *  >>>>>   Comparison Market
 

STANDARD RISK **   >>>>   InsureMe

HIGH RISK ***   >>>>>>>>   21st Century

The following is a guideline as to how to rank yourself according to risk. It is by no means a complete checklist for how insurance companies rate your risk level . Many additional factors are involved and vary depending upon the insurance companies underwriting methods.  The "Recommended Provider" is the quote search service that , in our experience, offers the best rate in your state.

* A "Preferred Risk" driver can answer yes to the following questions:

  • No Accidents or  Moving Violations in the Last 3 Years.
  • Good to Excellent Credit. No problems receiving credit.
  • No past license suspensions, DUI's, etc. 
  • Continuous insurance coverage history. No lapsed or terminated policies
  • At least 25 years old.

** A "Standard Risk" driver can answer yes to the following questions:

  • Only 1-2 moving violations or 1 "at fault" claim in the last 3 years.
  • Average or better credit. Some minor credit problems.  
  • No past license suspensions, DUI's, etc. 
  • Continuous insurance coverage history. No lapsed or terminated policies
  • At least 21 years old.

*** A "High Risk" driver may have one or more of these characteristics:

  • 3 or more moving violations or 2 or more "at fault" claims in the last 3 years.
  • Poor credit, bankruptcies, large number of defaults.  
  • License suspensions, DUI's, SR22, etc. 
  • Lapses in insurance coverage due to non-payment or multiple claims.
  • 16-21 years old.

Please Note:  Although the recommended free services are categorized by risk level, it may be beneficial for you to try the next higher category. For example, if you rate yourself a "standard risk" , then get quotes from the "preferred risk" as well as the "standard risk " recommended providers. This will give you more options from which to choose when comparing rates, thus saving you more money!

Remember, all quotes you receive are absolutely free with no obligation to purchase a policy.