California
Auto Insurance Coverages
It doesn't matter if you live in Chico, San Francisco, Los Angeles or Needles with so many companies offering auto insurance in California, how do you choose the car insurance that's right for you? There are a wide variety of auto insurance policies, optional insurance coverages and other products available in California, and as your auto insurance needs change, your local agent will take the time to help so you can make the choices that are right for you. And if you have a teen driver, there are many other considerations. See the Graduated Driver Licensing chart below.
For more information on this state, click here.
What's required in California? And what are your California neighbors choosing for their coverage levels? Below is a n easy-to-read snapshot of the coverages you'll need to understand when you choose your next insurance policy. California-required coverages levels are shown in the middle column and the cost common coverage levels are shown in the right-hand column.
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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
California has its own variation of Graduated Driver Licensing, and they are one of the few things that have been proven to save teen lives. You and your teen should become familiar with California laws, and at the very least, you should use these laws to form the baseline for the rules you set 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 additional guidelines, click here to download a sample Parent-Teen Driving Agreement to help you and your teen reach an understanding. Take time to learn more about teen driving research, tips, driving laws, programs and teen driving facts.
Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.
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.