California is unique in its "consumer-first" insurance regulations. Unlike most other states, California law prohibits insurers from using or gender as primary rating factors. Instead, quotes are heavily weighted by:
The most critical shift for California drivers in recent years is the implementation of the (Senate Bill 1107). Effective January 1, 2025, this law doubled bodily injury limits and tripled property damage requirements to better align with modern medical and repair costs. When requesting a quote in 2026, every standard policy must now meet the 30/60/15 criteria: $30,000 for bodily injury or death per person. $60,000 for bodily injury or death per accident (total). $15,000 for property damage liability. auto insurance quotes in california
Navigating the Modern Landscape of California Auto Insurance Quotes Effective January 1, 2025, this law doubled bodily
: A single moving violation can increase annual costs by an average of $450, while a DUI can raise premiums by nearly $3,000 per year. $15,000 for property damage liability
While these new minimums offer improved protection, industry experts at Kubota & Craig warn that even these limits may be insufficient to cover the total costs of a serious multi-vehicle accident, potentially leaving drivers personally liable for damages exceeding their policy caps. Factors Influencing Your Premium