Car Insurance Rules in California

Car Insurance is certain to play a major role after any car accident; especially, accidents which result in bodily injury. In California, like most states, requires motor vehicle owners to maintain a certain amount of insurance coverage—or otherwise demonstrate financial responsibility in case an accident occurs—in order to operate the vehicle legally on the state's roads and highways. So, understanding the California auto insurance rules is essential to any potential car accident case. Find out how much auto insurance will cost you


• $15,000 for injury or death to one person (another driver, passenger, pedestrian, etc.) in an accident you cause 

• $30,000 for injury or death to more than one person in an accident you cause, and 

• $5,000 for damage to property in an accident you cause.


While the majority of car owners in California will purchase car insurance, California does allow vehicle owners to choose from a few other methods of compliance. Instead of purchasing a qualifying insurance policy, vehicle owners can: 

• make a cash deposit of $35,000 with the California Department of Motor Vehicles (DMV) 

• get a self-insurance certificate from the California DMV, or 

• get a $35,000 surety bond from an issuer licensed to do business in California. 


For more in depth information on car insurance in California, see Insurance Requirements for Vehicle Registration from the California DMV.

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