Buy Cheap California Auto Insurance in 2024
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State Coverage Requirements
Coverage Type
State Coverage Requirements
Bodily Injury Liability
$15,000 limit per person / $30,000 limit per accident
Property Damage Liability
$5,000
Collision
Not required, but recommended
Comprehensive
Not required, but recommended
Medical Expenses
Not required, but recommended
Personal Injury Protection (PIP)
Not required
Uninsured Motorist
Not required, but recommended
Underinsured Motorist
Not required, but recommended
Property Protection (PPI)
Not required
Average rates vs National Average
Cellphone/Texting
Buy Cheap California Auto Insurance in 2024
Explained
Hand-Held Cell Phone Ban:
Yes
In the state of California, an officer can give a driver a citation for holding a cell phone even if no other driving offenses are taking place.
All Cell Phone Use Ban for Novice Drivers:
Yes
Drivers under the age of 18 cannot use a cell phone at all while driving.
Texting Ban:
Yes
In California, text messaging is banned for all drivers.
DUI Laws
Buy Cheap California Auto Insurance in 2024
Explained
The legal limit for a blood alcohol concentration (BAC):
0.08
while driving is 0.08. It is a crime to drive with a BAC at this number or above it.
Increased penalty for high BAC:
0.15 or above
0.15 or above
1st offense Suspension:
4 months
In California, law enforcers can confiscate a first-time offender's driver's license for 4 months if he or she exceeds the legal limit. Limited driving privileges, such as to and from work, are permitted after 30 days.
Ignition Interlocks:
Mandatory in 4 counties
These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. Four counties in California (Alameda, Los Angeles, Tulare, and Sacramento) have made ignition interlocks mandatory for all convicted drunk drivers, even first-time offenders. For all other counties in California, the decision to install ignition interlocks is at the discretion of the local judge.
Repeat Offenders:
None
None in California.
Open Container Law:
Yes
No driver or passenger can have any bottle, can, or other receptacle containing any alcoholic beverage that has been opened, the seal broken, or with partial contents removed in his or her possession.
Graduated Drivers License
Buy Cheap California Auto Insurance in 2024
Explained
Learner Stage:
(supervised driving, to be completed with a driving test): At 15 years and 6 months of age, individuals can begin driving with supervision for a period of time lasting a minimum of six months. In this stage, the new drivers are required to get 50 hours of supervised driving hours, 10 of which must be at night.
Intermediate Stage:
Age: 16 years
Night Driving Restriction:
11pm to 5am
Passenger Restriciton:
First 12 months no passengers
under 20 years old
(some limits are applied to unsupervised drivers in high-risk situations): 16-year-old drivers who passed the driver's test are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of 11pm and 5am and they cannot have any passengers under the age of 20, except family, for the first 12 months.
Full Privilege Age:
17 years
(full driver's license): At the age of 17, California drivers can now get a standard driver's license without restrictions.
Speed Limit
Rural Interstates:
SPEED LIMIT
70
MPH
SPEED LIMIT
55
MPH
Urban Interstates:
SPEED LIMIT
65
MPH
SPEED LIMIT
55
MPH
Other Limited Access Roads:
SPEED LIMIT
70
MPH
SPEED LIMIT
55 MPH
Page Source: ghsa.org
Buy Cheap California Auto Insurance in 2024
Department of Insurance
Website: www.insurance.ca.gov/
Address: Consumer Services Division, 300 South Spring Street, South Tower, Los Angeles, CA 90013
Phone: 800-927-HELP (4357) or 213-897-8921
Call Center Hours: 8am to 5pm (PT) Monday through Friday, except state holidays.
Buy Cheap California Auto Insurance in 2024
DMV Information
Website: dmv.ca.gov/
Phone: 1-800-777-0133
Call Center Hours:
Monday, Tuesday, Thursday, Friday: 8am to 5pm (PT) Wednesday: 9am to 5pm (PT)