California Car Insurance

If you just moved to California and need auto insurance coverage, or you’ve been here for a while and are looking for cheap car insurance that doesn’t cut corners, you’ll be glad you got a quote with GEICO.So, how much is car insurance in California for your ride?

You can get a free car insurance quote with GEICO online in just a few minutes. California also has some unique car insurance laws that make insuring a vehicle here different than other states, so read on to stay up to speed.

Minimum California Car Insurance Coverage

California requires drivers to carry at least the following auto insurance coverages:

Bodily Injury Liability Coverage: $15,000 per person / $30,000 per accident minimum

Property Damage Liability Coverage: $5,000 minimum

Uninsured Motorist Bodily Injury Coverage: $15,000 per person / $30,000 per accident minimum Uninsured Motorist Property Damage Coverage: $3,500 minimum

While these are the minimum coverages California requires you to have, everyone’s insurance needs are unique. Visit our Coverage Calculator to get a personalized recommendation.

California Car Insurance Laws For New Residents

If you’re moving to California, keep in mind that not all car insurance providers are authorized to operate in the state. According to the DMV’s California Driver Handbook, you can avoid being penalized and having your license suspended if all of the following conditions are met:Your insurance company files a power of attorney allowing California’s DMV to act as it’s agent for legal service in California.Your vehicle is insured before you move to California, as you can’t renew the out-of-state- policy once the vehicle is registered in the state.Your liability policy satisfies or exceeds the state’s minimum required coverages, including bodily injury and property damage coverage.

What is the California Deductible Waiver?

If you carry collision coverage on your car, then you may be eligible for the California Deductible Waiver. With this waiver, your insurance company will pay the collision deductible on your car if an uninsured driver causes an accident.What do I do if I get a California Intent to Suspend Registration letter?If the state of California cannot confirm that you have insurance on your vehicle, you may receive a letter stating that they plan to cancel your car’s registration. This can happen if the state doesn’t have the correct VIN (Vehicle Identification Number) on file, if your California (or out of state) insurance coverage has lapsed, or if there’s an error in the information that the state of California received.

If you are a current GEICO policyholder and the California DMV has informed you that providing proof of insurance is enough, you can easily obtain the documents through our GEICO Mobile app.

If you are not a GEICO policyholder and would like to know how much it would be to obtain California car insurance, you can get a quote today.