California
Auto Insurance Coverages
With so many companies offering auto insurance in California, how do you choose the car insurance that's right for you? Regardless of where you live in California, Allstate offers a wide variety of auto insurance policies, optional insurance coverages and other products for California drivers. As your auto insurance needs change, your local Allstate agent will take the time to help you make the right choices. If you have a teen driver, there are many other considerations your local Allstate agent can also help you with. Refer to the CA Graduated Driver Licensing chart below for more information.
For more information on this state, visit the California State Information or California State Catastrophe Information page.
California Auto Insurance Coverage Scale
Do you know what the California auto insurance coverage requirements are? Use the chart below as a possible starting point to learn more about the California-required auto insurance coverage levels and the most common car insurance coverages in California.
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Coverage
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State Requirements
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Most Common
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Bodily Injury Liability
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15,000/30,000*
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100,000/300,000
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Property Damage Liability
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5,000*
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100,000
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Uninsured Motorist Bodily Injury
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Not required*
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100,000/300,000
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Medical Payments
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Not required*
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5,000
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Collision
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Not required*
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500 deductible
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Comprehensive
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Not required*
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250 deductible
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California Graduated Driver Licensing
Help protect your teen driver by reviewing the California Graduated Driver Licensing (GDL) laws. The GDL laws are one of the few things that have been proven to save teen lives. You and your teen should become familiar with these laws and should use them to form guidelines and rules for your teen driver.
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Insurance Institute for Highway Safety Rating
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Good
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Minimum Entry Age
(Optimal: 16)
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15, 6 mo
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Extended Learner Period
(Optimal: at least 6 months)
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Has optimal provision
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Parent Certification
(Optimal: 30 hours minimal)
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Has optimal provision
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Night Restriction
(Optimal: 9 or 10 p.m.)
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Has the provision
but it is not optimal
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Passenger Restriction
(Optimal: only 1 non-family member)
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Has optimal provision
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For more information on talking to your teen driver about safe driving, download the Parent-Teen Driving agreement (PDF format). Help protect your teen by taking time to learn more about teen driving research, facts, tips, driving laws, and programs.
Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.
Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Alaska, Alabama, Arizona, Idaho, Nevada, New Mexico, Oregon, Texas, Washington
Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in California. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.