In California, the state sets statutory minimums for auto insurance to ensure that drivers have basic coverage in the event of an accident. The minimum required coverage includes 15/30/5 liability insurance. This means you must carry at least $15,000 for bodily injury per person, $30,000 for bodily injury per accident (if multiple people are injured), and $5,000 for property damage. These limits are designed to provide basic protection for others involved in an accident caused by you, covering medical expenses, lost wages, and property repairs up to the policy limits.
While these minimums meet California’s legal requirements, they may not provide sufficient coverage for more severe accidents. For instance, if medical bills or vehicle repairs exceed the policy’s limits, you could be personally liable for the remaining costs. Because of this, many drivers choose to purchase higher limits of liability coverage to better protect themselves financially. Additionally, the minimum coverage does not include protection for your own injuries or vehicle damage, so optional coverage like collision and comprehensive insurance or uninsured motorist coverage is recommended for more comprehensive protection.
