Coverage designed with you in mind
The third-largest state in the United States, California is the most populous state in the country. It has some of the biggest cities in the U.S., as well, including Los Angeles, San Diego, San Francisco and San Jose. Home to professional sports teams in baseball, soccer, basketball and football, California is also known as being the entertainment capital of the country and a pop culture trendsetter, in addition to a hub for technology and innovation. With 840 miles of coastline, California is also home to mountains and deserts as well as landmarks, such as Alcatraz, the Golden Gate Bridge and massive redwood and sequoia trees. You can see a good bit of the state along the Pacific Coast Highway or Interstates 5, 8, 10, 15, 40 and 580.
Finding the right car insurance for you means staying up to date on California requirements. The table below lists the coverages and minimum coverage limits that are required in California. Keep in mind, however, that minimum coverage limits are just a starting point. You may want to consider increasing your coverage limits for greater protection.
California car insurance state minimums
Coverage type | State requirements |
|---|---|
Bodily injury liability | $15,000 limit per person/ $30,000 limit per accident |
Property damage liability | $5,000 limit |
Uninsured motorist | Not required |
Underinsured motorist | Not required |
Medical payments | Not required |
Collision | Not required¹ |
Comprehensive | Not required¹ |
All coverages are subject to the coverage limits stated in your policy.
¹Although California law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.
Other types of car insurance coverage in California
Allstate also offer these other types of car insurance coverage:
- Roadside coverage
- Ride For Hire®
- Rental reimbursement coverage
Learn about these and other car insurance coverage types available.
California car insurance discounts
It's possible to get quality coverage at a lower rate than you might think. When you get a quote for California auto insurance from Allstate, you may be eligible for discounts that could help you save. Some available discounts can include:
- Multiple policy / bundling discount
- Safe Driver
- Good student discount
Review the different types of car insurance discountstailored to you and enjoy savings without cutting coverage.
Insurance bundling discounts
Allstate offers discounts for having multiple polices together, when you need multiple types of protection — for instance, bundling your auto and homeowners insurance could save you up to 2%*. When you bundle multiple Allstate insurance policies, you can quickly access them with a single sign-in, where you can review your coverages and make payments.
Factors that can impact your car insurance rates in California
In addition to selecting the coverages, limits and deductibles that's right for you, these factors could also affect your car insurance rates in California:
- The type of car you're insuring (year, make, model)
- Your driving habits and annual mileage
- Demographic factors, like zip code
- Any discounts you may qualify for
Learn more about these factors that could impact your car insurance premium.
California's rules on electronic proof of insurance
If you are stopped by the police and asked to show proof of insurance, you may wonder if you need to find a paper copy of your insurance card, or if you can use an electronic version. In California, you are allowed to show an electronic copy of your insurance card on your mobile device.
You can use the Allstate mobile app for iPhone® and Android® to access a digital ID card.