Advantages of Full Coverage in California

updated – Jun 25, 2024

Insurance companies have a significant stake in California, driven by the state’s immense population of 37 million residents and its numerous high-density urban centers, including Los Angeles, Sacramento, San Francisco, and San Jose. California boasts the highest number of motorists of any state, creating a vast and competitive market for auto insurance.

California, like all other states, regulates its own driving laws and sets specific standards and minimum requirements for auto insurance. Currently, state law mandates that drivers must carry liability coverage of at least $15,000 per person, $30,000 per accident, and $5,000 for property damage. These requirements are relatively low compared to other states and can be even lower for motorists with clean driving records and low incomes, who may only need a $10,000/$20,000/$3,000 insurance policy.

These minimum coverage amounts, however, are not recommended. Drivers with such minimal policies are likely to face substantial out-of-pocket expenses in the event of an at-fault accident. Consequently, California insurance companies typically recommend policies offering $100,000/$300,000/$100,000 in coverage.

To ensure maximum protection, the ideal option for drivers is full coverage auto insurance, which is the most comprehensive policy available. In California, full coverage policies must include liability, comprehensive, and collision coverage, aligning with industry standards. Additionally, insurance companies may offer extra services like Personal Injury Protection (PIP) or Uninsured Motorist coverage. While the basic requirements are consistent, the extent of coverage beyond these minimums depends on personal preferences and risk tolerance.

Adding more services to an insurance policy generally increases premiums. However, due to California’s status as a coveted and competitive market, there are significant variations in rates among different insurance providers. To ensure you’re getting the best value for your money, comparison shopping is essential. Fortunately for California motorists, we offer a quick and easy way to compare insurance quotes. By entering your zip code and some basic information into our free QuoteScout™ search engine, you can effortlessly find competitive full coverage insurance rates.

Alternatively, call our toll free number