Is getting state-minimum insurance as a driver in San Francisco a smart move?
I'm an 18-year-old woman in San Francisco and I need to get car insurance. I'm pretty sure I can only afford the state minimum. Is minimum insurance enough coverage?
Apr 22, 2021
Answer provided by
Answered at Apr 22, 2021
Liability CoverageCar InsuranceState Insurance Minimums
“California only requires 15/30/5 coverage for minimum liability insurance. This means your coverage amounts to:
- $15,000 for bodily injury liability per person
- $30,000 for bodily injury liability per accident
- $5,000 for property damage liability per accident
Essentially, this insurance won’t really cover much of anything . You’re better off going with at least 100/300/100 insurance, or even 250/500/250.
The good news is that increasing your coverage to these limits isn’t all that more expensive—maybe $10 more. And if you think you can’t afford an extra $10, just think about what could happen if you end up on the hook for tens of thousands of dollars after an accident. “
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