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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
Coverage | Amount |
|---|---|
| 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 was $1,8102 in 2021 according to thezebra.com. That's 18% 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.
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?
Liberty Mutual understands 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.
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 think3
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate