- California liability Insurance: All about liability insurance in California
- What is California Liability Insurance?
- What does California Liability Insurance Cover?
- Cost for Liability only in California (by city)
- Most Affordable California Liability Car Insurance by Company
- Who has the lowest liability price in California (by city)
- Average SR22 Rates by City in California
- Should I upgrade to full coverage in California (by city)
- Frequently Asked Questions About California Liability Insurance
- INSURANCE SERVICES WE OFFER
- Need More than California Liability Insurance: Other California Insurance Guides
What is California Liability Insurance?
Do you need liability insurance in California? Absolutely! Liability insurance is your financial safety net if you’re at fault in an accident that causes injury, death, or property damage. It’s not just a good idea—it’s the law. California requires all drivers to carry minimum liability coverage to protect themselves and others on the road.
Here’s what you need to know about California’s minimum liability insurance requirements:
- $30,000 for Bodily Injury Per Person: Covers medical expenses for one person injured in an accident you caused.
- $60,000 for Bodily Injury Per Accident: Covers total medical expenses for all injuries in an accident you caused.
- $15,000 for Property Damage: Covers repairs or replacement costs for damaged property, like vehicles or structures.
Driving without liability insurance in California can lead to hefty fines, license suspension, or even vehicle impoundment. Plus, being uninsured leaves you financially vulnerable if you’re found at fault in an accident.
Why Choose Us for Your Liability Insurance?
- Expert guidance to ensure you meet California’s legal requirements.
- Affordable rates tailored to your needs.
- Discounts for safe driving, bundling policies, and more.
What does California Liability Insurance Cover?
In the state of California, liability insurance covers both bodily injury and property damage caused to others in an accident where you are at fault. Bodily injury liability coverage assists in paying for medical expenses, rehabilitation, and even legal fees if you injure someone in an accident. Property damage liability coverage, on the other hand, helps cover the costs of repairing or replacing damaged property, such as vehicles, buildings, or other structures. It’s important to note that California law mandates specific minimum coverage limits for liability insurance to ensure adequate protection for drivers and other affected parties. Understanding these coverage limits and the potential consequences of being underinsured is essential for California drivers to make informed decisions about their auto insurance policies.
Understanding Bodily Injury and Property Damage in California Liability Car Insurance
Do you know what bodily injury and property damage coverage means for your California liability car insurance? Let’s break it down. Liability insurance is the minimum coverage required by California law to drive legally, and it includes two key components: bodily injury and property damage. Here’s what you need to know:
Bodily Injury Coverage
If you’re at fault in an accident, bodily injury coverage helps pay for:
- Medical expenses for the injured party.
- Lost wages if they can’t work due to their injuries.
- Pain and suffering costs resulting from the accident.
This coverage ensures you’re financially protected if someone is hurt because of your driving.
Property Damage Coverage
Property damage coverage steps in to cover costs like:
- Repairs or replacement of the other driver’s vehicle.
- Damage to valuables inside the vehicle.
- Repairs to surrounding structures, such as fences, homes, or storefronts.
Without this coverage, you’d be responsible for paying these costs out of pocket, which can add up quickly.
Why Is This Important in California?
California requires all drivers to carry liability insurance to protect themselves and others on the road. Driving without it can lead to fines, license suspension, or even legal trouble. Plus, having the right coverage ensures you’re prepared for the unexpected.
When California’s Liability Insurance Minimum Isn’t Enough?
Is California’s minimum liability insurance enough to protect you? Not always. While liability insurance covers the other party if you’re at fault in an accident, it won’t cover everything. Here’s what you need to know:
What Liability Insurance Doesn’t Cover
California’s liability insurance (also called third-party insurance) only pays for the other party’s expenses if you’re at fault. It won’t cover:
- Damages to your own vehicle: Repairs or replacement costs for your car aren’t included.
- Injuries to you or your passengers: Medical bills for you or anyone in your vehicle aren’t covered.
- Costs exceeding your policy limits: If damages or injuries exceed your coverage limits, you’ll pay the difference out of pocket.
- Uninsured/underinsured drivers: If someone without insurance hits you, liability insurance won’t help unless you have additional coverage.
Why California’s Minimum Limits May Fall Short
California’s minimum liability requirements include only $5,000 for property damage. In today’s world, that’s often not enough to cover the cost of repairing or replacing a vehicle, let alone other damaged property like fences or buildings.
Optional Coverages to Fill the Gaps
To ensure you’re fully protected, consider adding these optional coverages:
- Uninsured/Underinsured Motorist Coverage: Protects you if the at-fault driver doesn’t have enough (or any) insurance.
- Collision Coverage: Covers repairs to your vehicle after an accident, regardless of fault.
- Comprehensive Coverage: Protects against non-collision incidents like theft, vandalism, or natural disasters.
- Personal Injury Protection (PIP): Helps pay for medical expenses for you and your passengers.
- Medical Payments Coverage: Covers medical bills for you and your passengers, no matter who’s at fault.
Is Minimum Coverage Right for You?
While California’s minimum liability insurance meets legal requirements, it may not be enough to fully protect you financially. We recommend reviewing your needs and considering higher limits or additional coverage for peace of mind.
What Are California’s Penalties for Driving Without Insurance?
Did you know driving without insurance in California can lead to serious consequences? Whether you’re a first-time offender or a repeat offender, the penalties can be costly and life-disrupting. Here’s what you need to know to stay on the right side of the law:
Penalties for Driving Without Insurance in California
California requires all drivers to carry minimum liability insurance or a legal alternative. If you’re caught without it, here’s what could happen:
First-Time Offense
- Fine: Around 360(includinga360(includinga100 base fine and $260 in penalty assessments).
- Additional Costs: Court fees and potential increases in future insurance premiums.
Second or Repeat Offense
- Fine: Between 1,000and1,000and2,000.
- License Suspension: Your driver’s license could be suspended.
- Vehicle Impoundment: The court may impound your vehicle.
What Happens If You’re in an Accident Without Insurance?
The penalties become even more severe if you’re involved in an accident while uninsured:
First Offense After a Collision
- Fine: 300to300to700.
- License Suspension: One-year suspension.
- SR-22 Requirement: You’ll need to file an SR-22 form (proof of financial responsibility) with your insurance policy for three years.
Second Offense After a Collision
- Fine: 700to700to2,000.
- License Suspension: Four-year suspension.
- SR-22 Requirement: You’ll need to maintain an SR-22 form on your policy for several years.
Why Risk It?
Driving without insurance isn’t just illegal—it’s risky. If you cause an accident, you’ll be personally responsible for all damages and injuries, which can lead to financial ruin. Plus, the penalties and long-term consequences (like higher insurance rates) can follow you for years.
Stay Protected and Avoid Penalties
Don’t take chances with your financial and legal well-being. We make it easy to get the coverage you need at a price you can afford.
Need Affordable California Liability Insurance?
Contact us today for a free, no-obligation quote and drive with confidence knowing you’re fully covered!
Cost for Liability only in California (by city)
| City | Price |
| Long Beach | $97.00 |
| San Bernardino | $91.00 |
| Santa Ana | $95.00 |
| Huntington Beach | $96.00 |
| Santa Clara | $109.00 |
| Moreno Valley | $90.00 |
| Santa Maria | $96.00 |
| San Diego | $91.00 |
| Riverside | $107.00 |
| El Cajon | $103.00 |
| Chula Vista | $101.00 |
| Temecula | $96.00 |
| Rialto | $88.00 |
| Carlsbad | $87.00 |
| Fairfield | $95.00 |
| Santa Rosa | $102.00 |
| Murrieta | $93.00 |
| Victorville | $90.00 |
| Salinas | $100.00 |
| Daly City | $90.00 |
| Burbank | $91.00 |
| Arden-Arcade | $91.00 |
| Hayward | $96.00 |
| Palmdale | $110.00 |
| Santa Clarita | $98.00 |
| Orange | $87.00 |
| Vallejo | $94.00 |
| San Buenaventura (Ventura) | $90.00 |
| Oceanside | $107.00 |
| Garden Grove | $86.00 |
| Fresno | $96.00 |
| Antioch | $100.00 |
| Pasadena | $97.00 |
| Richmond | $95.00 |
| East Los Angeles | $99.00 |
| Clovis | $91.00 |
| Bakersfield | $88.00 |
| Torrance | $109.00 |
| El Monte | $103.00 |
| Visalia | $95.00 |
| Los Angeles | $100.00 |
| Thousand Oaks | $109.00 |
| Sacramento | $86.00 |
| Modesto | $107.00 |
| San Mateo | $93.00 |
| Pomona | $98.00 |
| Vista | $103.00 |
| Rancho Cucamonga | $93.00 |
| Lancaster | $101.00 |
| San Francisco | $110.00 |
| Simi Valley | $104.00 |
| Inglewood | $98.00 |
| Jurupa Valley | $92.00 |
| Concord | $108.00 |
| Fullerton | $99.00 |
| Elk Grove | $109.00 |
| Costa Mesa | $102.00 |
| Escondido | $106.00 |
| Roseville | $104.00 |
| Berkeley | $101.00 |
| Glendale | $87.00 |
| Oakland | $97.00 |
| West Covina | $108.00 |
| Ontario | $102.00 |
| Downey | $100.00 |
| Oxnard | $102.00 |
| Fontana | $87.00 |
| Sunnyvale | $106.00 |
| San Jose | $93.00 |
| Corona | $90.00 |
| Norwalk | $95.00 |
| Irvine | $101.00 |
| Stockton | $102.00 |
Most Affordable California Liability Car Insurance by Company
California liability car insurance: Top 5 Best Rates
| Car Insurance Company | Average Monthly Payment |
|---|---|
| Progressive | $81 |
| The General | $81 |
| National General | $82 |
| Dairyland | $86 |
| Acceptance RTR | $99 |
Who has the lowest liability price in California (by city)
| City | Price |
| Berkeley | Farmers |
| Torrance | Progressive |
| Victorville | National General |
| San Francisco | Progressive |
| Downey | Progressive |
| Clovis | Liberty Mutual |
| Oakland | Progressive |
| Santa Ana | The General |
| Hayward | Geico |
| Temecula | National General |
| Arden-Arcade | Farmers |
| Bakersfield | Geico |
| Elk Grove | The General |
| Sunnyvale | Liberty Mutual |
| Rancho Cucamonga | Progressive |
| Long Beach | Farmers |
| San Bernardino | The General |
| Costa Mesa | Geico |
| West Covina | The General |
| Salinas | The General |
| Santa Maria | Dairyland* |
| Escondido | National General |
| Fullerton | The General |
| Carlsbad | The General |
| Antioch | Dairyland* |
| Richmond | Geico |
| Fremont | Liberty Mutual |
| San Buenaventura (Ventura) | Progressive |
| El Monte | Geico |
| Chula Vista | Geico |
| Fresno | Geico |
| Lancaster | Geico |
| Oxnard | Bristol West |
| Burbank | The General |
| Pomona | Dairyland* |
| Vista | National General |
| Visalia | Progressive |
| Concord | The General |
| Simi Valley | The General |
| Huntington Beach | Farmers |
| Moreno Valley | Progressive |
| Riverside | The General |
| El Cajon | Progressive |
| Daly City | Geico |
| Garden Grove | Geico |
| East Los Angeles | The General |
| Santa Clara | The General |
| Thousand Oaks | Progressive |
| Murrieta | Progressive |
| Sacramento | The General |
| Anaheim | Liberty Mutual |
| Vallejo | National General |
| Roseville | Progressive |
| Oceanside | Geico |
| Irvine | Geico |
| San Mateo | Progressive |
| Pasadena | Progressive |
| Modesto | Progressive |
| Fontana | Geico |
| San Diego | Liberty Mutual |
| Rialto | Progressive |
| San Jose | Progressive |
| Norwalk | Progressive |
| Corona | The General |
| Jurupa Valley | Progressive |
| Los Angeles | Progressive |
| Palmdale | Progressive |
SR22 Insurance and California Liability Car Insurance
Do you need SR22 insurance in California? If you’ve had a DUI, reckless driving charge, multiple traffic violations, or a lapse in insurance, the state may require you to file an SR22 to reinstate your driving privileges.
What’s the Difference Between California Liability Insurance and SR22 Insurance?
- Liability insurance covers bodily injury and property damage if you cause an accident. California requires minimum coverage of $30,000 per person, $60,000 per accident, and $15,000 for property damage to drive legally.
- SR22 insurance is not a type of coverage—it’s a state-mandated form that proves you have the required liability insurance. It’s typically required for high-risk drivers after serious violations.
How Much Does SR22 Insurance Cost in California?
SR22 insurance typically costs more than standard liability insurance because it’s required for high-risk drivers. Rates vary by provider, but on average, drivers pay $75 to $150 more per month than those with standard coverage.
California Liability Car Insurance: Top 5 Best Rates for Drivers With an SR-22
| Car Insurance Company | Average Monthly Payment |
|---|---|
| Dairyland | $72 |
| The General | $95 |
| GEICO | $97 |
| Progressive | $97 |
| Mendota | $99 |
Average SR22 Rates by City in California
| City | Price |
| Daly City | $92.00 |
| Garden Grove | $91.00 |
| Carlsbad | $92.00 |
| Santa Maria | $100.00 |
| Clovis | $100.00 |
| San Mateo | $98.00 |
| El Monte | $97.00 |
| Downey | $101.00 |
| Temecula | $97.00 |
| Richmond | $106.00 |
| Santa Rosa | $108.00 |
| Arden-Arcade | $96.00 |
| Concord | $88.00 |
| Oakland | $109.00 |
| Modesto | $97.00 |
| El Cajon | $86.00 |
| Berkeley | $97.00 |
| Burbank | $99.00 |
| Vallejo | $107.00 |
| Bakersfield | $105.00 |
| Inglewood | $108.00 |
| Sunnyvale | $107.00 |
| Vista | $87.00 |
| Fontana | $94.00 |
| Stockton | $102.00 |
| Corona | $101.00 |
| Fresno | $90.00 |
| Los Angeles | $105.00 |
| Jurupa Valley | $109.00 |
| Fullerton | $103.00 |
| Fremont | $91.00 |
| Glendale | $91.00 |
| Oxnard | $104.00 |
| Simi Valley | $90.00 |
| Victorville | $94.00 |
| Murrieta | $105.00 |
| Escondido | $91.00 |
| Antioch | $88.00 |
| Riverside | $105.00 |
| Santa Clarita | $98.00 |
| Long Beach | $91.00 |
| San Francisco | $92.00 |
| Orange | $89.00 |
| West Covina | $93.00 |
| San Diego | $88.00 |
| Oceanside | $108.00 |
| Ontario | $108.00 |
| Rancho Cucamonga | $97.00 |
| Hayward | $103.00 |
| East Los Angeles | $90.00 |
| San Jose | $102.00 |
| Rialto | $105.00 |
| Sacramento | $110.00 |
| Roseville | $102.00 |
| Moreno Valley | $100.00 |
| Huntington Beach | $109.00 |
| Salinas | $107.00 |
| Anaheim | $93.00 |
| Chula Vista | $86.00 |
Are There Alternatives to California Liability Insurance?
Looking for alternatives to traditional liability insurance in California? You’re in luck! California offers a few options for drivers who need to meet the state’s financial responsibility requirements but want more flexibility. Here’s a breakdown of the most common alternatives:
1. California Low-Cost Auto Insurance Program (CLCA)
This program is designed for low-income drivers who struggle to afford standard liability insurance. To qualify, your household income must fall within specific poverty guidelines. The CLCA offers:
- Bodily Injury Coverage: Protects others if you’re at fault in an accident.
- Property Damage Coverage: Covers damage to another person’s property.
- Uninsured Motorist Coverage: Protects you if you’re hit by an uninsured driver.
- Medical Payments Coverage: Helps pay for medical expenses after an accident.
It’s an affordable way to stay legal on the road while protecting yourself and others.
2. Cash Deposit with the DMV
If you have $35,000 to spare, you can deposit it with the California DMV as proof of financial responsibility. Here’s how it works:
- Deposit $35,000 into a savings account at your bank.
- Contact the DMV’s Financial Responsibility Unit to complete the required forms.
- Submit your application and maintain the $35,000 balance in your account.
This deposit acts as a guarantee that you can cover costs if you’re at fault in an accident.
3. Self-Insurance Certification
This option is less common and typically reserved for businesses or individuals with large fleets. To qualify for self-insurance, you must:
- Own at least 25 vehicles.
- Prove you have the financial stability to cover medical bills, car repairs, and property damage if you’re at fault in an accident.
If approved, you won’t need a traditional insurance policy.
4. Surety Bond
A surety bond is another alternative to liability insurance. You can purchase a $35,000 bond from a licensed surety company, which acts as a guarantee that you can cover:
- Medical payments for injured parties.
- Car repairs or replacement costs.
- Property damage caused by an accident.
This option is similar to a liability policy but may work better for certain drivers.
Which Option is Right for You?
Choosing the right alternative depends on your financial situation, driving habits, and needs. While these options can help you meet California’s legal requirements, traditional liability insurance often provides the most comprehensive protection.
Should I upgrade to full coverage in California (by city)
| Richmond | $181 |
| Pomona | $152 |
| Clovis | $177 |
| Vista | $182 |
| Concord | $159 |
| Carlsbad | $158 |
| Oxnard | $146 |
| Sunnyvale | $148 |
| Inglewood | $170 |
| Burbank | $150 |
| San Mateo | $168 |
| Los Angeles | $168 |
| Oakland | $155 |
| Arden-Arcade | $173 |
| Berkeley | $170 |
| Daly City | $178 |
| Visalia | $172 |
| Rancho Cucamonga | $182 |
| Long Beach | $173 |
| Thousand Oaks | $177 |
| Fontana | $158 |
| San Jose | $174 |
| San Diego | $181 |
| Hayward | $150 |
| Santa Maria | $181 |
| Palmdale | $152 |
| Fullerton | $179 |
| Lancaster | $150 |
| Pasadena | $166 |
| Simi Valley | $153 |
| Anaheim | $153 |
| Santa Clara | $150 |
| Escondido | $180 |
| Antioch | $172 |
| Santa Rosa | $165 |
| Murrieta | $182 |
| Vallejo | $160 |
| Fresno | $157 |
| Huntington Beach | $182 |
| Temecula | $159 |
| Jurupa Valley | $150 |
| Modesto | $173 |
| Garden Grove | $147 |
| Torrance | $161 |
| Corona | $159 |
| Salinas | $161 |
| Downey | $174 |
Frequently Asked Questions About California Liability Insurance
Q1: What is California liability insurance, and what does it cover?
A1: California liability insurance is a type of auto insurance that provides coverage for injuries and property damage you may cause to others in an accident for which you are at fault. It typically includes two main components: bodily injury liability and property damage liability coverage.
Q2: What are the minimum liability insurance requirements in California?
A2: In California, the minimum liability insurance requirements are often referred to as “15/30/5” coverage. This means you must have at least $15,000 for bodily injury liability per person, $30,000 for bodily injury liability per accident, and $5,000 for property damage liability.
Q3: Can I purchase additional coverage options beyond the minimum liability insurance in California?
A3: Yes, you can purchase additional coverage options beyond the state’s minimum liability requirements in California. Many drivers choose to add coverages like uninsured/underinsured motorist coverage, comprehensive coverage, collision coverage, and medical payments coverage for enhanced protection.
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Last Updated on by Brian Muse