California's Minimum Insurance Requirements
California Vehicle Code §16029 requires all drivers to carry:
CoverageMinimum
|---|---|
Bodily Injury (per person)$15,000
Bodily Injury (per accident)$30,000
Property Damage$5,000
This is known as 15/30/5 liability coverage.
Penalties for Driving Uninsured
Why Minimums Aren't Enough
Consider this scenario: You cause an accident. The other driver's medical bills are $50,000 and their car has $15,000 in damage.
With minimum coverage (15/30/5):
The other driver can sue you, garnish your wages, and place liens on your assets.
What We Recommend
At minimum, consider 100/300/50 liability. The price difference between minimums and these higher limits is often just $10-$30/month — but the protection is dramatically better.
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