California Insurance Requirements & Rates

California requires minimum liability coverage of 15/30/5 (bodily injury per person / per accident / property damage). California is an at-fault state, meaning the driver who caused the accident is responsible for paying damages. Uninsured motorist coverage is not required but recommended.

California homeowners face risks from wildfires, earthquakes, mudslides, drought. The flood risk level is moderate and earthquake risk is high. Earthquake coverage requires separate policy; basic homeowners excludes it. The average annual home insurance premium is $1,760.

California requires all motorcycle riders to wear helmets. Lane splitting is legal. Eye protection is required for all riders. The riding season is year-round.

Yes, workers' compensation insurance is required in California. California has approximately 4,200,000 small businesses, with top industries including Technology, Entertainment & Media, Agriculture.

Yes, California has expanded Medicaid. The state has its own state-based health insurance marketplace at https://www.coveredca.com. The uninsured rate is 7%.

Yes, landlords in California can require tenants to carry renters insurance as a condition of the lease. About 44% of California residents are renters, with average monthly rent of $1,750.

California has an uninsured motorist rate of 16.6%, which is above the national average. Factors include extreme traffic congestion in los angeles and the bay area. Although uninsured motorist coverage is not required, it is strongly recommended.

With a median household income of $84,907, most California families should consider 10-12x their annual income in life insurance coverage. Currently, 53% of California households have life insurance.