California Car Insurance

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Common questions about California auto insurance

Need car insurance in California? Whether you live in San Diego or the Bay Area, Liberty Mutual Insurance can help protect you. From liability protection to comprehensive coverage, we customize your California auto insurance, so you only pay for what you need.

What car insurance is required in California?

In California, it’s illegal to drive without insurance. Drivers in California are required to have the following car insurance coverage: bodily injury, property damage, uninsured motorist bodily injury, and uninsured motorist property damage.

This chart shows the minimum auto insurance drivers are required to have in California.1



Bodily Injury Coverage$15,000 per person and $30,000 per accident
Property Damage Coverage$5,000 per accident
Uninsured Motorist Bodily Injury Coverage$15,000 per person and $30,000 per accident
Uninsured Motorist Property Damage Coverage$3,500

For more information, check out the California Department of Insurance.

What is the average cost of car insurance in California?

The average cost of car insurance in California is $1,824 per year according to That’s 22.6% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the bare minimum coverage, while others prefer the comfort and security of more protection. Liberty Mutual customizes your California auto insurance, so you only pay for what you need.

Busy California highway in Los Angeles

What California car insurance coverage is right for you?

The chart above shows the minimum California auto insurance you need. But depending on your budget and needs, you might want to consider increased coverage for more protection. We’ll help you customize your California car insurance to get the coverage that fits you. See all of our auto coverage options.

What is the best car insurance in California?

NerdWallet named Liberty Mutual one of the best car insurance companies in 2020.3 That’s because we understand that everyone has individual needs when it comes to their California auto insurance. Some might want the cheapest California car insurance, while others want more coverage and an auto insurance company they know they can trust. Let us help you customize your California car insurance, so you only pay for what you need.

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Who has the cheapest car insurance in California?

Getting the cheapest car insurance in California may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that’s affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think4

  • $617 lower than GEICO
  • $659 lower than Allstate
  • $643 lower than Nationwide

Discounts that help you save


Online Purchase Discount

Buy your policy online and save. It's that simple.5

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Convenience and savings — need we say more? Combine your policies and get a discount.6


Get rewarded for your good driving behavior by saving up to 30% on your policy.7

California insurance agents near me

Liberty Mutual Offices in California

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1Minimum coverage amounts are subject to change.
4Savings validated by 2019 countrywide survey of participating new customers who switched to Liberty Mutual. Carrier-specific figures reflect average savings for customers who switched to Liberty Mutual from the listed carriers. Savings may vary. Comparison does not apply in MA
5Discount applies to 12% on average off auto coverages: Bodily Injury Liability, Physical Damage, Uninsured Motorist, Underinsured Motorist, Medical Payments, Personal Injury Protection, Collision and Comprehensive coverages, as applicable by state.
6Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
7The RightTrack® discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability), and excludes fixed expenses (where applicable). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116. ©2021 Liberty Mutual Insurance