Auto insurance helps cover medical bills, lost wages, and car repairs due to vehicle accidents. It may also cover accidents involving motorcycles or bicycles.
California drivers pay an average premium of $1,700 per year. Factors influencing rates include age, driving history, marital status, and credit score.
Drivers must maintain auto liability insurance, covering up to $15,000 for a single person's injury, $30,000 per accident for multiple injuries, and $5,000 for property damage.
California law mandates a minimum of 15/30/5 coverage. Failure to maintain this can lead to license suspension, vehicle impoundment, and inability to register your vehicle.
Collision coverage protects against vehicle damage from collisions, while comprehensive coverage addresses theft, vandalism, and natural disasters. Additional coverage may be needed for expensive vehicle systems.
Medical payments, uninsured/underinsured motorist coverage, umbrella policies, and custom coverages like emergency roadside assistance and rental reimbursement can provide extra protection tailored to your needs.
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