California Insurance Requirements

Legal Requirements for Vehicle Insurance

California law mandates that all vehicle owners maintain minimum liability insurance coverage. This requirement ensures that drivers have financial responsibility for damages or injuries they may cause in a car accident.

Minimum Coverage Limits

The state of California requires the following minimum insurance coverage limits for private passenger vehicles:

  • $15,000 for injury/death to one person.
  • $30,000 for injury/death to more than one person.
  • $5,000 for damage to property.

These limits represent the least amount of coverage you must have but purchasing more than the minimum is recommended to provide additional protection.

Proof of Insurance

Drivers must carry proof of insurance in their vehicle at all times and present it to law enforcement officers upon request. Acceptable forms of proof include:

  • Insurance ID card issued by your insurance company.
  • A copy of your insurance policy or declaration page.
  • A digital insurance card provided by your insurer.

Consequences of Driving Without Insurance

Driving without insurance in California can result in severe penalties, including:

  • Fines and penalties.
  • Vehicle impoundment.
  • Suspension of your driver's license.

Repeated offenses may lead to increased penalties and longer suspension periods.

Adhering to California's insurance requirements is not only a legal obligation but also a crucial step in protecting yourself financially in case of an accident. For more detailed information on insurance requirements or assistance, contact your insurance provider or the California Department of Motor Vehicles (DMV).