The Golden State

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California Auto Insurance Coverage

With its endless beaches and sunny weather, there's a lot to love about California. But whether driving through the busy streets of Los Angeles or heading north on Pacific Coast Highway, it's essential to understand the Golden State's auto insurance requirements.

Required Auto Insurance in California

California requires all drivers to have liability insurance for both property damage and bodily injury, which pays for any damage or injuries caused by an accident in which you were at fault. California requires the following minimum liability coverage:

  • Bodily Injury: $15,000 per person and $30,000 per accident.
  • Property Damage: $5,000 per accident.

California Teen Driving Laws

California operates under a Graduated Driver's License (GDL) program, which includes three stages: Instructional Permit, Provisional Driver's License, and Full Driver's License. 

  • Instructional Permit: At 15 and a half, teens can obtain an Instructional Permit after passing a written exam and enrolling in a driver's education course. An Instructional Permit allows teens to drive with a parent, legal guardian, or certified driving instructor. Teens must complete 50 hours of supervised driving (10 hours at night) in order to move on to the next stage.
  • Provisional Driver's License: Teen drivers can obtain a Provisional License after holding an Instructional Permit for 6 months and passing a behind-the-wheel driving test. With a Provisional License, teens cannot drive between 11:00 PM and 5:00 AM.
  • Driver's License: At 18, all driving restrictions are lifted and teens may obtain their full Driver's License.

Please be aware of additional restrictions for teen drivers in California.

California Auto Insurance Discounts

Looking to save? You may qualify for one or more auto insurance discounts available to drivers in California. Some examples of common discounts include:

  • Safe driver
  • Good student
  • Installed anti-theft systems
  • Multi-vehicle
  • Accident-free
  • Multi-policy




Read more about potential discounts by visiting our auto insurance discounts page.

Optional Coverage in California

No law in California states that you must settle for the state's minimum auto insurance requirements. You can always expand your coverage by purchasing optional insurance policies that cover a broader range of expenses and situations.

Compare Rates For The Type Of Insurance You Need

At AIS, we can help our California customers with more than just their auto insurance. No matter what kind of insurance coverage you're looking for in the Golden State, AIS makes it easy to compare quotes to find the coverage that works best for you.

California Insurance Coverages

Learn More About California

Palm trees at sunset in California
About California

California became America's 31st state in 1850. Known for its famous cities and endless beaches, the Golden State offers plenty of attractions and fun for the whole family.