Liability covers injuries or damage you cause to others in an accident. It’s the basic coverage required by California law.

As of 2025, California requires at least 30/60/15 coverage:

$30,000 for one person’s injuries

$60,000 total for multiple people’s injuries

$15,000 for property damage

These are the new state minimums—but many drivers choose higher limits for extra peace of mind.

Roughly 1 in 6 California drivers don’t carry insurance. UM coverage protects you if one of them hits you—it can help with medical bills, lost wages, and more.

Collision pays to fix your car after an accident, no matter who’s at fault.

Comprehensive covers damage from things other than crashes—like theft, fire, vandalism, or even hitting an animal.

Yes! Popular add-ons include:

Roadside assistance

Rental car coverage

Medical payments (MedPay)

Gap insurance for financed or leased cars.

SR-22: A certificate the state requires to prove you have insurance after certain violations.

Non-Owner Policy: Covers you when driving cars you don’t own—often paired with an SR-22 if you don’t own a vehicle..

It’s what you pay out of pocket before insurance helps. Example: with a $500 deductible on a $2,000 repair, you pay $500 and insurance pays $1,500.

Your premium is your insurance bill—the amount you pay monthly, quarterly, or yearly to stay protected.

Your rate depends on several things, including:

Your driving record (tickets, accidents, or DUIs)

Your age and driving experience

Where you live and park your car

The type of car you drive (repair costs, safety ratings, theft risk)

How much you drive each year

The coverages and deductibles you choose

Discounts you may qualify for (safe driver, multi-car, bundling, etc.).