California Auto Insurance
California is a strict liability state with unique rules — including a ban on using credit scores for pricing.
Minimum Coverage
- Bodily injury: $15,000 / $30,000
- Property damage: $5,000 (rising to higher limits in 2025)
What Makes California Different
Good driver discount is mandated. Credit-based scoring is prohibited. Shop carriers regularly.
By Cliq Coverage Editorial · July 24, 2026
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