California Car Insurance

What makes California different

California requires liability minimums of 15/30/5 but does not allow insurers to use credit score or ZIP code as primary rating factors (Prop 103). Roughly 17% of CA drivers are uninsured — among the highest in the country — which is why UM/UIM coverage is recommended even though not state-mandated. Recent rate filings approved by the CA DOI have moved premiums up materially since 2023.

Source: California Department of Insurance.