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Required Coverage
The minimum liability insurance required in California for private passenger is:
- $15,000 for injury or death of one person
- $30,000 for injury or death of more than one person
- $5,000 for damage to property
This is the absolute minimum you can get and still drive your car, and most people buy more coverage than this. Your insurer may recommend coverage in the range of 100/300/100.
Proof of Coverage
Proof of liability insurance must be in the vehicle at all times. If you're pulled over, the officer will ask to see your insurance card, and you'll be cited and fined if you can't produce it. The fines for not carrying proof of insurance can be steep―not less than $500 and possible court costs―and your vehicle could be impounded.












