Should I get state-minimum coverage for car insurance in California?

I'm looking to get car insurance in California, but I don't want to spend too much. Should I get state-minimum liability coverage?

“California has some of the lowest state-minimum car insurance requirements, notated as 15/30/5. This means that your liability insurance limits are as follows:
  • $15,000 for bodily injury liability per person
  • $30,000 for bodily injury liability per accident
  • $5,000 for property damage liability per accident
In most cases, this coverage isn’t adequate unless you rarely drive or are willing to risk paying tens of thousands of dollars out of pocket. Most drivers opt for at least 50/100/50 coverage. But if you live in a nicer area with more expensive cars, 100/300/100 might be the best bet.
You’ll pay more per month, but with that extra money comes peace of mind. Plus, you won’t be saddled with financial issues should you get into an accident.”
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.

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