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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, FNISC Insurance Services 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
Bodily Injury Coverage
Property Damage Coverage
Uninsured Motorist Bodily Injury Coverage
Uninsured Motorist Property Damage Coverage
Amount
$15,000 per person and $30,000 per accident
$5,000 per accident
$15,000 per person and $30,000 per accident
$3,500
What is the average cost of car insurance in California?
The average cost of car insurance in California is $1,8242 per year. 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.
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.
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1 Minimum coverage amounts are subject to change.
2 Dollar figures represent data shown on thezebra’s website as of February 2022.
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