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Insurance in California
Minimum auto liability required
| Bodily injury, per person | $30,000 |
| Bodily injury, per accident | $60,000 |
| Property damage | $15,000 |
| Fault system | At-fault (tort) |
Written as 30/60/15. Raised from 15/30/5 on 1 January 2025, the first increase since 1967.
Worth knowing
- Insurers must offer uninsured motorist coverage at limits matching your liability. Declining it requires a signed written waiver.
- California prohibits insurers from using credit history to rate auto insurance.
- Policies written before 2025 may still show the old 15/30/5 limits. Check your declarations page.
- The Insurance Research Council estimates roughly one in six California drivers is uninsured.
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Complaint records for insurers, ranked by how often they are complained about relative to the policies they write.
State regulator
California Department of Insurance · 1-800-927-4357
Contact them to verify a licence or file a complaint.
Sources
- California Vehicle Code 16056 - evidence of financial responsibility — checked 2026-09-02
- California Department of Insurance - auto insurance basics — checked 2026-09-02