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In California, the minimum car insurance is 30/60/15: $30,000 per person and $60,000 per crash for injuries you cause, plus $15,000 for property damage. Required coverage: BI & PD Liability. That's the legal floor; many drivers buy more because a serious crash can cost far more than the minimum pays.
For policies issued or renewed on or after Jan. 1, 2025 (California Vehicle Code §16056). Low-income drivers in the California Automobile Assigned Risk Plan may have lower limits.
BI = bodily injury liability, PD = property damage liability, PIP = personal injury protection, UM/UIM = uninsured/underinsured motorist, MED = medical payments. Source: California Vehicle Code. Confirmed against the official source 2026-10-12. Confirm with California's DMV or insurance department.
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30/60/15 (BI & PD Liability): $30,000 per person and $60,000 per crash for injuries you cause, plus $15,000 for property damage.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.