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?

Answer provided by
Eric Schad
Answered on Apr 22, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“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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