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California Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in California. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in California.

CA Auto Insurance Laws and Regulations:

California Department of Insurance / Consumer Services Division
300 South Spring Street, South Tower
Los Angeles, CA 90013

Minimum Car Insurance Coverage in CA:

$15,000 for injury/death to one person

$30,000 for injury/death to more than one person

$5,000 for damage to property

CA Insurance is Not Required on:

Off-highway vehicles

Trailers

Vehicles registered to a government entity (city, county, state, federal)

Vehicles registered under a planned nonoperation (PNO) status


CA Uninsured Penalties:

You could receive a traffic ticket ($1,000 or more) if you get pulled over by a peace officer and cannot provide evidence of financial responsibility. If you are ticketed you'll have to go through the court system (and not the DMV) to clear or sign such a citation.

Your vehicle could be impounded and you could be fined.

You could be financially responsible for damages associated with an auto accident you had any part in causing. That means being personally liable and forced to pay for any injuries or damage.

Your vehicle registration could be subject to suspension if the following occurs: You fail to replace your liability insurance policy within 45 days once it has been canceled. Your insurance provider fails to electronically provide evidence of insurance within 30 days after the state issued you a registration card on a vehicle that has never before been registered in California. You submit false evidence of insurance.


CA Department of Insurance Contact Information:

1-213-897-8921 or
Toll Free: 1-800-927-HELP (4357)

CA State Insurance Department Website:





Directory of California Auto Insurance Agents by County

Alameda
Amador
Butte
Calaveras
Colusa
Contra Costa
Del Norte
El Dorado
Fresno
Glenn
Humboldt
Imperial
Inyo
Kern
Kings
Lake
Lassen
Los Angeles
Madera
Marin
Mariposa
Mendocino
Merced
Modoc
Mono
Monterey
Napa
Nevada
Orange
Placer
Plumas
Riverside
Sacramento
San Benito
San Bernardino
San Diego
San Francisco
San Joaquin
San Luis Obispo
San Mateo
Santa Barbara
Santa Clara
Santa Cruz
Shasta
Siskiyou
Solano
Sonoma
Stanislaus
Sutter
Tehama
Trinity
Tulare
Tuolumne
Ventura
Yolo
Yuba

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