Auto Insurance Across California
Liability, full coverage, non-owner and broad-form policies from 35+ carriers — including the ones that still say yes after a DUI, a suspended licence, or no licence at all.
- Starting premium, liability
- $22/mo*
- Carriers compared
- 35+
- CA minimum, or better
- 30/60/15
- Records we quote
- DUI · SR-22
Build the policy around what you actually drive
Most people are sold one package. We price each coverage separately so you can see what you're paying for — and drop what you don't need.
- Liability — required in CaliforniaPays for injury and damage you cause to others. Since 1 January 2025 the state minimum is 30/60/15 — the table below shows what that means. On its own, this is the cover our from-$22-a-month rate is based on.*
- CollisionRepairs your own car after an accident, whoever was at fault. Required if your vehicle is financed or leased.
- ComprehensiveTheft, vandalism, fire, flood, and the cracked windshield you'll eventually get.
- Uninsured motoristRoughly one in seven US drivers has no insurance at all, according to the Insurance Research Council. This covers you when one of them hits you and can't pay.
California's minimum, since January 2025
California raised its minimum liability limits on 1 January 2025 — the first increase in decades. A policy written to the old limits no longer meets the law.
| Coverage | Old minimum | Since 1 Jan 2025 |
|---|---|---|
| Bodily injury, per person | $15,000 | $30,000 |
| Bodily injury, per accident | $30,000 | $60,000 |
| Property damage | $5,000 | $15,000 |
Set by SB 1107; the minimums rise again, to 50/100/25, in 2035. A minimum policy is legal, but after a serious accident it often isn't enough — ask us what the next step up costs.
Eight discounts most people are never asked about
- Paid in full, rather than monthly
- Good driver — three years clean
- Good student, and student away at school
- Low annual mileage
- Anti-theft and safety equipment
- Mature driver course, 55 and over
- More than one car on the policy
- Home or renters on the same carrier
Availability varies by carrier. We ask for every one you qualify for.
Questions we get asked
What's the minimum car insurance in California?
Since 1 January 2025 it's 30/60/15: $30,000 for injury to one person, $60,000 per accident, and $15,000 for property damage. We'll check your declarations page against it for free, whether or not you buy from us.
Can I get car insurance without a driver's licence?
Often, yes. Some California carriers accept a foreign licence, a passport or a matrícula consular. Tell us what you have and we'll find the carriers that take it.
Will a DUI stop me getting insured?
It narrows the field, but it rarely ends it. We work with carriers that specialise in high-risk drivers, and if the DMV wants an SR-22 we arrange that too.