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California State average auto insurance premiums

According to California law, every owner and driver of a car must maintain financial responsibility for accidents. There are four ways to prove your financial responsibility:
  1. Coverage by an automobile or motor vehicle insurance policy
  2. A deposit of $35,000 with the Department of Motor Vehicles (DMV);
  3. A surety bond of $35,000 obtained from a company licensed to do business in California;
  4. DMV-approved self-insurance.
In California:California’s Compulsory Financial Responsibility Law requires every driver and owner of a motor vehicle to be financially responsible for their actions.  The statutory minimum limits of liability insurance in California are as follows:

Bodily Injury
Property Damage
Online Auto Insurance Agents in California

There are four ways to accomplish financial responsibility:
  1. Coverage by a motor vehicle or automobile liability insurance policy;
  2. A cash deposit of $35,000 with the Department of Motor Vehicles (DMV);
  3. A certificate of self-insurance issued by DMV to owners of fleets of more than 25 vehicles; or
  4. A surety bond for $35,000 obtained from an insurance company licensed to do business in California.

All California drivers and owners must have at least the statutory limits of minimum liability insurance or an approved alternative way to pay for injury or property damage they may cause.  Penalties are very severe for non-compliance with this section of the vehicle code.

When your car is in an accident for which you are found legally liable, bodily injury(BI) liability covers your liability to others for injuries to them. Property damage (PD)liability covers your liability for damage to someone else’s property.

A policy with bodily injury of $15,000/$30,000 and property damage of $5,000 will pay out as follows:
Comprehensive coverage (other than collision), uninsured motorist, medical payments and collision insurance are not required by law.

California Department of Insurance
300 South Spring Street, South Tower
Los Angeles, CA 90013
800-927- HELP (4357)

California Department of Motor Vehicles
2415 1st Avenue Mail Station F101
Sacramento, CA 95818
800-777-0133

California Automobile Assigned Risk Plan
595 Market St., #1250
San Francisco, CA 94105
(800) 622-0954 Toll-free within California only.



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