California

Auto Insurance Minimum Requirements

30/60/15

Liability Limits

No-Fault

N/A

PIP Minimum

Optional

Uninsured Motorist

⚡ Recently Changed

California's minimum auto insurance requirements changed on 2025-01-01. See details below.

Full Requirements

Bodily Injury (per person)$30,000

Bodily Injury (per accident)$60,000

Property Damage$15,000

Uninsured Motorist RequiredNo

Underinsured Motorist RequiredNo

PIP RequiredNo

No-Fault StateNo (tort)

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date2025-01-01

Important Notes

Minimum limits increased from 15/30/5 to 30/60/15 effective January 1, 2025 under Senate Bill 1107. Limits will further increase to 50/100/25 in 2035. Offers a low-income California Low Cost Automobile Insurance program with lower limits.

Uninsured / Underinsured Motorist

Must be offered by insurers; policyholders can opt out by signing a waiver.

SR-22 Filings

Required for 3 years following a DUI conviction, reckless driving, or driving without insurance during a collision.

Alternatives to Insurance

A cash deposit of $35,000 made to the DMV, a $35,000 surety bond, or a DMV self-insurance certificate.

Official Source

California Department of Insurance

View Official Site →

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.