How to Get Car Insurance in California
When shopping for auto insurance in California, it's important to compare quotes from multiple insurance companies. With so many options available, it can be overwhelming to know where to start. Fortunately, we can help. At AIS, we are experts in California car insurance. Whether you're looking for great coverage for your weekend car or your everyday vehicle, we make it simple to compare quotes from our network providers with just a few clicks. Using AIS, our customers have saved over $650 annually on car insurance by switching. Here's how:
Use AIS to Find Auto Insurance Quotes
Simply answer a few questions about the amount of coverage you want, and our system will provide you with multiple insurance quotes that match your needs.
Compare Multiple Rates Online
Eliminate the guesswork by comparing quotes from different companies side by side. View cost differences and coverage information to choose the best policy for you.
Get Covered and Start Saving
Comparing auto insurance quotes can help you find a policy that suits your budget without compromising coverage. Explore discounts, savings, and more with AIS.
Understanding California's Auto Insurance Requirements
All motorists in California must carry the state's minimum liability insurance requirements. California's minimum liability limits are as follows:
- $15,000 for bodily injury or death to one person.
- $30,000 for bodily injury or death per accident total per accident.
- $5,000 for property damage per accident.
If you need additional coverage, you can choose to add collision, comprehensive, or uninsured motorist coverage to your insurance policy.
To learn more about specific auto insurance coverages, visit our car insurance coverage page or use the button below to connect with a specialist.
AIS California Insurance Coverages
We offer California customers more than Auto Insurance coverage. Wouldn’t it be great to save money insuring your automobile, home, condo, or renters policy with your outdoor vehicles and other assets under one roof? AIS is the insurance specialist that will find affordable coverage for a range of assets. We compare the best rates from our trusted carrier partners, so you know you’re getting the best protection for the best price at no additional charge.
Commonly Asked Questions About California Car Insurance
Yes, car insurance is required in California. All vehicles operated or parked on California roads must carry the state's minimum auto insurance requirements. Drivers are responsible for having proof of insurance in their vehicle at all times and must provide it when requested by law enforcement, during registration renewal, or when involved in a traffic collision.
California requires all motorists to carry liability insurance to help cover the repair or replacement costs of another's vehicle, property, or bodily injuries. The state's minimum requirements are:
- $15,000 for injury or death to one person.
- $30,000 for injury or death per accident.
- $5,000 for property damage per accident.
California is not a no-fault state. Instead, it uses a fault-based system for car accidents. This means that the party found responsible for an accident must cover the damages and injuries caused by the collision.
The amount you pay for California auto insurance will vary based on several factors, including your driving history, age, location, and the type of coverage you select. Your deductible can also influence your premium if you carry comprehensive and collision coverage.
One of the easiest ways to lower your California car insurance premium is to compare quotes to find the best rates whenever your policy is up for renewal. Additionally, insurance companies typically have multiple auto insurance discounts that you may already qualify for that can help reduce your costs. Common discounts offered include:
- Multi-policy
- Good driver
- Good student
- Anti-theft
- Payment in full
- Defensive driver course
- Occupational
Auto insurance is legally required in California, so driving without insurance can lead to several penalties. If you do not carry auto insurance and are caught driving, you could face a fine, license suspension, and vehicle impoundment. If your license is suspended, you'll need to file and maintain proof of insurance with the DMV for three years to reinstate your license.
California law requires all drivers within the state to carry the state’s minimum auto insurance limits. To help good drivers that are income eligible afford auto insurance that meets the mandatory insurance law, California offers the California Low Cost Auto (CLCA) Insurance program.
Each CLCA insurance policy provides liability coverage for the vehicle’s primary driver and eligible secondary drivers. Following an accident, liability insurance covers damage you cause to other people and their property. The CLCA insurance program does not provide coverage for your own medical or vehicle repair costs.
To be eligible for a CLCA insurance policy, drivers must:
- Carry a valid California driver's license
- Own a motor vehicle valued at $25,000 or less
- Meet the income requirements
- Be at least 16 years of age
- Have a good driving record
If you need further assistance or still have questions regarding California's Low Cost Auto Insurance Program, please call 1-866-602-8861 or visit the CLCA website.