Do I need uninsured motorist coverage in California?

There are so many different types of optional coverage that you can add on to your insurance policy! Is uninsured motorist coverage something I need to get?

Find out if you’re getting ripped off on your car insurance in less than two minutes.
No spam · No long forms · No fees
Find savings (100% Free)
rating white
3.5k Ratings
Answer provided by
Jacqulyn Graber
Answered on Jun 14, 2022
Coverage options can definitely get confusing—especially since requirements vary state-to-state! In California, you are not legally required to have uninsured motorist coverage—but investing in it might be a good idea.
California—like most states—has certain minimum liability insurance laws, which legally require all drivers to carry:
Uninsured motorist coverage is optional; however, it’s probably a smart investment. Uninsured motorist coverage helps you pay for damages caused by a driver who doesn’t have car insurance. Without it, if you happen to be involved in an accident with an uninsured or underinsured driver, you could struggle to get those damages covered.
According to information collected by the Insurance Information Institute in 2019, a whopping 16.6% of California drivers are uninsured, despite minimum liability requirements. This means that roughly one-sixth of every driver on the road lacks sufficient coverage.
To best protect yourself, we highly recommend adding uninsured motorist coverage to your plan. If you want to save money while doing so, make sure to shop with Jerry, the car insurance broker and comparison shopping app.

Here to save on car and home insurance? Great, you do that. We’ll do everything else.

Sign up in under a minute.
No need to fill out forms or shop around. Sign up in 45 seconds to start saving. Jerry does the rest.
Jerry collects and analyzes your current coverage.
Say hello to Jerry, your new insurance agent. We’ll contact your insurance company, review your current plan, then find the coverage that fits your needs and saves you money.
Get the best options before your renewal.
Jerry does all the picky, busy work by comparing prices and coverage from more than 50+ insurance companies. We compare what we find to your current policy and offer you the three best options before every renewal.