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California’s minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state. 

The following is a breakdown of minimum liability requirements for California:

Is it mandatory to have car insurance in California? 


What are the minimum limits for California? 

$15,000 bodily injury per person 
$30,000 bodily injury per accident 
$5,000 property damage per accident



Dairyland® coverage in California

At Dairyland, we’re proud to be able to help drivers in California meet their insurance needs. Here are some of the parameters of our insurance coverage in California:

What is the maximum bodily injury liability and property damage limit Dairyland offers in California?

$100,000 bodily injury per person 
$300,000 bodily injury per accident 
$100,000 property damage per accident



What liability coverages are required to be offered in California? Can a customer reject them?

Bodily Injury and Property Damage must be offered and can’t be rejected. Uninsured Motorist Bodily Injury and Underinsured Motorist Bodily Injury must be offered, but they can be rejected.

What are all the coverages Dairyland offers in California?

  • Uninsured Motorist Bodily Injury/Underinsured Motorist Bodily Injury
  • Uninsured/Underinsured Motorist Property Damage
  • Medical Payments
  • Comprehensive
  • Collision
  • Lienholder Deductible
  • Special Equipment
  • Rental Reimbursement
  • Towing and Labor
  • Mexico Limited Coverage (no charge)
  • Car Loan Protection
  • Collision Damage Waiver
  • Roadside Assistance

What’s the oldest a vehicle can be to get Dairyland’s comprehensive and collision coverage in California?  

Vehicles up to 20 years old, unless market value exceeds $2,500—then no limit.

How far back does California go to look at violation history?

3 years

What additional policy types are offered in California?

Named Non-Owner.

Is an insurance score used in my rating in California? If so, is it mandatory? 

There is no insurance scoring in California.

What policy terms does Dairyland offer in California?

Monthly, 6 months, and 12 months

What is Dairyland’s minimum down payment option in California?  

One month on monthly term basis, 20% on six-month term, and 10% on annual term.

Are SR22s used in California?  If so, is there a fee assessed by Dairyland? Is it filed electronically? 

SR22s are used in California, filed electronically with no fees.

What discounts are available from Dairyland in California?

  • Multi-car
  • Good driver
  • Mature driver improvement course
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