California Car Insurance
(Quotes, Cost & Coverage)

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Get California car insurance quotes, cost & coverage fast. Find affordable CA auto insurance including liability, property damage, comprehensive, collision, medical, PIP, uninsured, underinsured, rental car, roadside assistance and more.

CA Car Insurance

California Car Insurance ⋆ Quotes, Cost & Coverage

If you are like any of the thousands of drivers on the road every day, then it is likely that you or someone in your household has obtained California car insurance to both satisfy the legal liability requirements of the California, as well as to protect your vehicle, the occupants, and other peoples autos and property.

While getting a CA auto insurance quote is a fairly easy process, especially with the convenience of online shopping, many people still do not understand exactly what types of car insurance are available and how the types differ. Here we'll discuss the main car insurance policy types and optional coverages and also go over examples of what the coverage options insure. This way, the next time you request a California car insurance quote, you will be better equipped to make an informed decision.

What Does California Car Insurance Cover?

Auto insurance covers three types of liabilities, or losses. They are:

  1. Property - damage to or theft of vehicles.
  2. Liability - the policyholders liability, or legal obligation for the property or bodily injury of others when the driver is at fault.
  3. Injury - the medical treatment, long term care, loss of wages, or even funeral expenses of anyone who is injured in an accident.

California requires that drivers have liability insurance. California car insurance policies generally are renewed on a biannual or annual basis.

California car insurance has many coverages - so it's important to research the options, see what CA requires and what coverages are optional, and how each can protect you in the vent of an accident or other loss. CA auto insurance policies contains at least one or more of the following specific types of coverage and each option is priced separately (this is not an exhaustive list):

Bodily Injury Liability: This type of car insurance coverage protects the policy holder as well as any other drivers listed on the policy by covering medical costs for injuries caused to other motorists. Oftentimes, people will increase the minimum coverage to protect their other assets in the event that an injured motorist sues for additional damages because your automobile insurance will pay up to the limits on the policy - you are out of pocket for expenses that exceed those limits.

Medical Payments or Personal Injury Protection: Should injury to the policy holder or any other occupants of the insured vehicle occur in an accident, this portion of the auto insurance policy will cover the medical bills, lost wages and funeral costs. This option is also known as PIP (Personal Injury Protection).

Property Damage Liability: Property damage liability is the most common type of coverage option and one which is required by law. It covers damage caused by the policy holder (or anyone permitted to drive the insured vehicle) to another vehicle or other type of property such as signs, fences, telephone poles, buildings, etc.

Collision: This type of coverage offers protection for the policy holders vehicle if damage occurs as a result of an collision with another vehicle, object, or even if your vehicle ends up flipping over. Damages caused by potholes are also covered under collision coverage. Even if the policy holder is at fault, collision insurance will cover the repair for damages minus the deductible amount. If the policyholder is not at fault, the insurance company will attempt to recover the costs paid to its policyholder through the other motorists insurance company and if successful, will also reimburse its policyholders' paid deductible amount too.

Comprehensive: Comprehensive insurance covers the cost of theft of the vehicle or damages/repairs caused by anything other than another vehicle or object. Damages such as those caused by fires, natural disasters, bombs, vandalism, or collisions with animals such as deer. This option also covers shattered or cracked windshields. Both collision and comprehensive coverage are usually optional however if a car is leased, many times the lender will require this type of coverage in addition to liability.

Uninsured and Underinsured Motorist Coverage: If an accident occurs with an uninsured driver or if the other driver does not have sufficient coverage to pay for the full extent of damages, uninsured and underinsured motorist coverage will cover the outstanding expenses. This option also protects the policyholder if involved in a hit and run accident or if hit while a pedestrian.

Gap Insurance: This protects you if your car is totaled and you owe more on the loan or lease than the insurance company pays out. It is usually taken on cars that are 3 years old or less.

Rental Reimbursement: This coverage pays for a rental car if your auto is in the repair shop following a covered comprehensive or collision claim.

Roadside Assistance (Towing & Labor): Much like AAA, this coverage offers a jump start, gas delivery, a flat tire change, even the services of a qualified locksmith of you break down.

What California Car Insurance Doesn't Cover

Also know as exclusions, which remove risk from the insurer, car insurance typically does not cover:

What Are California's Financial Responsibility Requirements?

According to the CA Department of Motor Vehicles:

Financial responsibility (commonly known as CA auto insurance) is required on all vehicles operated or parked on California roadways. You must carry evidence of financial responsibility in your vehicle at all times and it must be provided as specified below when:

Insurance companies in California are required by law (California Vehicle Code (CVC) §16058) to electronically report private-use vehicle insurance information to the Department of Motor Vehicles (DMV). Electronic reporting of insurance information and programming changes that took effect in 2006, allow DMV to monitor insurance coverage and take appropriate actions through vehicle suspension as required by law. CA law enforcement and court personnel have electronic access to insurance status on DMV records.

What Are the Minimum Liability Insurance Requirements for Private Passenger Vehicles?

California Insurance Code §11580.1b says:

Liability insurance compensates a person other than the policy holder for personal injury or property damage. Comprehensive or collision insurance does not meet vehicle financial responsibility requirements.

How Much Does California Car Insurance Cost?

How much does California car insurance cost? The average price of auto insurance varied widely based on certain factors. The premiums vary depending on the company and their underwriting rules, and it depends on the coverages and deductible selected. Following are some of the main factors that go into the price of a policy:

And California car insurance premiums after a DUI/DWI will always cost more.

CA Auto Insurance Quotes

California Insurance

Request a California Car Insurance quote in Anaheim, Bakersfield, Chula Vista, Concord, Corona, Elk Grove, Escondido, Fontana, Fremont, Fresno, Fullerton, Garden Grove, Glendale, Hayward, Huntington Beach, Irvine, Lancaster, Long Beach, Los Angeles, Modesto, Moreno Valley, Oakland, Oceanside, Ontario, Orange, Oxnard, Palmdale, Pasadena, Pomona, Rancho Cucamonga, Riverside, Roseville, Sacramento, Salinas, San Bernardino, San Diego, San Francisco, San Jose, Santa Ana, Santa Clara, Santa Clarita, Santa Rosa, Simi Valley, Stockton, Sunnyvale, Thousand Oaks, Torrance, Vallejo, Victorville, Visalia and all other cities in CA.

The California Department of Insurance

The CA Dept. of Insurance is the regulatory agency behind the insurance rules for the state of California. If you want to understand these rules, then this is definitely the agency that you need to focus on. Let's start with limits within the state.

California Minimum Insurance Limits
CA Insurance Regulations

As for regular insurance regulations there are a lot of things that California provides that you can look up. For example, there are deadlines for the insurer to pay the claim or deny it, deadlines for submitting paperwork to prove a loss for insurance reimbursement, specific information your insurance company is required to give you and regulations on what information you have to provide to your insurance company.

One of the California regulations calls for you to be treated by your insurance company in good faith. This means that your insurer must be considered of your needs and must communicate completely and honestly with you about your policy and everything that you need to know about it in order to make a good decision. In turn, you are legally obligated to be honest and cooperative with your insurance company when it comes to your claim.

You should also be aware that your insurance company is required to offer prompt, honest and complete communications. The company and all of its representatives must respond to your communications within 15 calendar days with a complete response based upon the facts that are known.

Finally, be aware that your insurance company is required to have a fair claims process. Unless it is specified in your policy, you do not have to use the forms that are provided to you by your insurance provider in order to make a claim. You can create a list of losses on your own if you need to. In addition, insurers are not able to ask for unreasonable proof of loss. If you provide photographic evidence or video of items that you lost, insurers are not able to ask you to provide additional information.


If you are looking for state specific car insurance quotes, costs and information: California Car Insurance, Colorado Car Insurance, Delaware Car Insurance, Florida Car Insurance, Illinois Car Insurance, Kentucky Car Insurance, New Jersey Car Insurance, New York Car Insurance, Oregon Car Insurance, Pennsylvania Car Insurance, Texas Car Insurance, Washington Car Insurance.

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