Requirements for Auto Insurance in California

The state of California requires drivers to have insurance on vehicles they operate like many other states. The requirements in California differ from most states because of the requirements, such as not having to provide a driver's license or social security number. There are also other requirements that people should take into consideration if they are planning to reside or operate a vehicle in California.

Requirements for Auto Insurance in California

Bodily Injury Liability

A minimum of $15,000 is required to cover each injured person with a maximum of $30,000 to be paid if multiple people are injured. If you cause an accident and a person's injuries result in $22,426 you can be held liable for anything over $15,000.

Property Damage Liability

People must purchase a minimum of $5,000 of property damage liability insurance. This will cover the damages you cause to another person's property but only up to $5,000. You could be sued in court to cover anything over that amount.

SR-22

A SR-22 is required for people who have had their licensed suspended usually due to a DUI or an accident that was caused when their vehicle was not insured. You will pay for this form with the insurance company for them to reinstate your driving privilege. You will give this form to the department of motor vehicles to show that you are carrying insurance.

Who Can Purchase

Only drivers who reside and have the ability to drive a vehicle in California can purchase the insurance. You do not have to have a California driver's license and the vehicle does not have to be in the name of the person purchasing the insurance. This gives people in California who do not have a license to drive a vehicle in someone else's name.

Other Requirements

People in California are not required to purchase uninsured motorists bodily injury, medical payment coverage, collision or comprehensive coverage. Most people purchase these types to avoid being sued.