Get cheap California car insurance

Illustration of the Golden Gate Bridge in CaliforniaIllustration of the Golden Gate Bridge in California

Before you hit the road on a California adventure, make sure you’ve got your car insurance in order. Not only will you stay compliant with California’s state regulation for car insurance, you’ll also gain the peace of mind that comes with knowing you—and your vehicle—are covered.

From Mulholland Drive in Los Angeles to the Golden Gate Bridge in San Francisco, from the beaches of San Diego to the mountains of Yosemite National Park, it’s all waiting for you to explore in California. We can help.

Minimum limit requirements for California

In California, you’re required to carry the following minimum limits for liability coverage:

  • $15,000 bodily injury per person

  • $30,000 bodily injury per accident

  • $5,000 property damage per accident

Keep in mind that if you’re at fault in an accident, liability coverage helps pay for injuries you cause to another person and for damages to their car and/or property. The minimum required amounts for California may not provide all the coverage you’re seeking. To learn more about choosing auto insurance, give us a call at 888-344-4357.

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Optional California auto insurance coverages

In addition to the coverages you’re required to purchase in California, we offer the following optional coverages:

  • Underinsured motorist bodily injury

  • Uninsured motorist bodily injury

  • Uninsured motorist physical damage

  • Medical payments

  • Comprehensive

  • Collision

  • Lienholder deductible

  • Special equipment

  • Rental reimbursement

  • Named non-owner

  • Car loan protection

  • Collision damage waiver

  • Roadside assistance

It’s important to note that underinsured and uninsured bodily injury motorist insurance are included in your policy unless you specifically reject them.

Mexico limited auto coverage in CA

Millions of Californians cross the border each year between San Diego and Tijuana. Regardless where you cross between California and Mexico, you may want to consider how often you’ll be making those trips and if you’re auto insurance will still cover you.

Dairyland® auto insurance includes Mexico limited coverage on all California policies. Like its name suggests, there are limitations for the coverage as it’s designed to help protect drivers who travel to Mexico infrequently and near the U.S. border when in Mexico. To help ensure you’re covered if you drive into Mexico, here are the coverage details:

  • Coverage extends within 25 miles of the U.S. border when driving in Mexico

  • Insureds have spent 10 or less days and made five or fewer trips in Mexico during a 30-day period

  • Includes only vehicles and drivers listed on the policy

No matter what frequency you travel into Mexico, it’s important to consider additional car insurance coverage in Mexico to help ensure you’ve got the coverage you want.

California car insurance rates

When an auto insurance company calculates your policy rates, they consider several factors, including:

  • Age: Due to their relative lack of experience, younger drivers generally have higher rates than older drivers.

  • Location: If you live in a community with comparatively frequent instances of crime or theft, your auto insurance rates may increase as well.

  • Your car: Your vehicle’s make, model, and age all factor in to determining your rates. Plus, vehicles with cutting edge technology or custom parts can be more expensive to repair.

  • Your driving record: In most cases, the better your driving record, the better your insurance rates. Here are a couple violations that could negatively impact your premium:

    • Driving under the influence (DUI): If you’re charged with a DUI or DWI, insurance carriers will consider you a high-risk driver. Your premiums will likely increase, and your current carrier may drop you.

    • Driving without insurance: Operating a vehicle without insurance is illegal in California. You could be fined, have your license suspended or your vehicle impounded, or even face jail time. To help you avoid these scenarios, we offer a range of affordable coverage options—even if you have a history of violations, no prior insurance, or license penalty points.

Keep in mind that coverages and rates vary by insurer, so be sure to do your research.

Additional factors will impact your rates, including policy terms and your down payment. Here’s what you can expect when purchasing auto insurance from Dairyland in California:

Dairyland auto insurance discounts available in California

To help you save on our already affordable car insurance, we offer the following discounts in California:

  • Multi-car

  • Mature driver course

  • Good driver

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Lower your car insurance rates

Along with auto insurance discounts, there are other factors that can help reduce your rates—and conveniently, they’re almost all within your control. Your actions can help you enjoy significant savings on your car insurance.

Cheap CA car insurance with Dairyland

When you purchase auto insurance with Dairyland, you’ll receive more than coverage—you’ll enjoy the affordable rates and exceptional service we’re known for.

Get your fast, free quote for cheap California car insurance today.

All of this is available without paying an additional fee to start your policy.

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3 steps to get a free car insurance quote

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Provide information about yourself, your vehicle, and your driving history.
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Input details on other people who drive your car.
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Select the coverages you want and see what discounts you qualify for.
Get insured