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California Auto Insurance

Basic Car Insurance Requirements

  • Liability Insurance Required? Yes
  • Liability Minimums: 15/30/5 (Bodily Injury (BI) and Property Damage (PD))
  • Insurance Proof Required? Yes: At Registration/After an Accident/When Driving
  • First Offense Penalty: $100-$200 fine


California Department of Insurance Contact Information

California Dept. of Insurance
Consumer Services Div.
300 South Spring St., S. Tower
Los Angeles, CA 90013
Phone: (213) 897-8921 (Phone calls outside California)
Website: www.insurance.ca.gov

Consumer Hotline
1-800-927-HELP (4357)
8:00AM to 6:00PM, Monday-Friday

Producer Hotline
1-800-967-9331
8:00AM to 5:00PM, Monday-Friday

California Low Cost Auto Insurance Program (CLCA)
1-866-60-AUTO-1

About The California Low Cost Automobile Insurance Program (CLCA): Click Here


California Insurance Code

Here is the precise insurance code for the state of California as written into law. The insurance code applies to all insurance matters. We have highlighted below those that relate to specific auto insurance matters. However, general insurance matters covered by the code may also apply to car insurance such as the payment of premiums for an insurance policy.


Auto Insurance Requirements By State

Visit our full list of auto insurance minimum state requirements here.

  Auto Insurance - learn more (20)
  Health Insurance - learn more (17)
  Home Insurance - learn more (7)
  Life Insurance - learn more (12)

  Bodily Injury (BI)
  Collision Auto Insurance
  Comprehensive Auto Insurance
  Liability Auto Insurance
  No-Fault Insurance
  Personal Injury Protection (PIP)
  Property Damage (PD)
  Tort States
  Underinsured Motorist Insurance (UIM)
  Uninsured Motorists Coverage (UM)
  Wrongful Death Insurance