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California Car Insurance

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.

When it comes to auto insurance, just like its landmarks, cuisine and culture, every state is different. See what coverage and coverage limits California requires in the table below. These requirements are just a starting point – you may want to purchase additional car insurance or increase your coverage limits.

Contact an California Allstate agent to better understand the different types of coverage in your area.


State Map

Auto insurance requirements are based on your location. You're looking at auto requirements in California. Pick a new state to see its laws:

Coverage Type
California Requirements
Bodily Injury Liability
Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.
$15,000 limit per person/$30,000 limit per accident
Property Damage Liability
Helps cover expenses related to the damage of another person's property — like vehicles, homes, buildings and other structures — when an accident is your fault.
$5,000 limit
Uninsured Motorist
Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have any insurance.
Not required
Underinsured Motorist
Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have enough liability insurance.
Grouped with uninsured motorist coverage
Medical Payments
If you and/or your passengers are hurt in an accident, this helps cover medical or funeral expenses.
Not required
Collision
Helps cover expenses to repair or replace your vehicle that's been damaged in an accident.
Not required1
Comprehensive
Helps cover expenses to repair or replace your vehicle that's been stolen or damaged by things like storms or vandalism.
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.

Related Resources

State chart requirements provided for informational purposes only. State minimums and required coverages vary by state and may change from time to time. Check with your state for up-to-date information or if you have questions about current state minimums.

Subject to terms, conditions, and availability. In most states, prices vary based on how you buy. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company, Allstate Fire and Casualty Ins. Co. & affiliates; Northbrook, IL. © 2021 Allstate Insurance Company

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