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Everything You Need to Know
Frequently Asked Questions
What’s liability insurance?
Liability covers injuries or damage you cause to others in an accident. It’s the basic coverage required by California law.
What’s the minimum insurance I need in California?
As of 2025, California requires at least 30/60/15 coverage:
$30,000 for one person’s injuries
$60,000 total for multiple people’s injuries
$15,000 for property damage
These are the new state minimums—but many drivers choose higher limits for extra peace of mind.
What’s uninsured motorist coverage?
Roughly 1 in 6 California drivers don’t carry insurance. UM coverage protects you if one of them hits you—it can help with medical bills, lost wages, and more.
