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?

Apr 22, 2021
Answer provided by
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Eric Schad
Answered at Apr 22, 2021
“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.”
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