California Auto Insurance

State Insurance Requirements

All registered or operated vehicles must be covered by liability insurance. The Minimum amount of liability coverage required by the state of California is $15,000 for injury, $30,000 for all injury, and $5,000 in property damage. Commonly referred to as 15/30/5 coverage.

You are required to carry proof of insurance in your vehicle.

The list below constitute legal proof of insurance:

  • A temporary insurance card issued by the insurer.
  • A premium receipt or insurance binder issued by the motorist’s insurance agent.
  • The current declarations page of a liability insurance policy.
  • The actual liability insurance policy issued for the vehicle.
  • A certificate of liability insurance policy issued by either the insurer or an authorized agent.
  • Proof of purchase of a motor vehicle with the previous 60 days and a valid insurance card issued for the motor vehicle replaced by such purchase. The proof of purchase is to be a copy of the bill of sale if the vehicle is a pre-1975 year model, or the owner’s permit (yellow) copy of the application for certificate of title for a 1975 and subsequent year model vehicle.
DMV Point System

This state enlists a point system to monitor and penalize driving infractions. If a driver is convicted of traffic law violations, the driver will gain points on their drivers license. If those points reach a state specified amount, their license will be suspended for a predetermined period based on the amount of points gained. After three years time, without any further incidents, a traffic conviction loses its‘ point value for suspension purposes. However, it will stay on your permanent driving record and may effect your insurance rates.

In the state of California nearly any traffic violation carries a 1 point gain. However there are some serious offenses that carry 2 point gain they are as follows:

  • Evading peace officer/reckless driving
  • Driving while suspended/revoked
  • Driving, suspended/revoked for refusing test
  • Hit and run/injury/property damage
  • Driving wrong side/divided highway
  • Speed over 100 MPH
  • Reckless driving
  • Reckless driving/causing bodily injury
  • Speed contest /exhibition of speed
  • Minor driving with BAC of 0.05% or more
  • DUI/alcoholic beverage or drugs
  • Explosives transportation
If a driver obtains 4 points in one 12 month period, 6 points in 24 months, or 8 points in 36 months their license will be suspended or revoked for a period based on court rulings, and seriousness of infractions.

Disclaimer is in no way offering legal advice to consumers. Although we update our information regularly, and attempt to be as accurate as possible, state laws may change and we are not liable for any misinformation resulting in legal action or otherwise.

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