California Auto Insurance — Peace of Mind at a Price That Makes Sense.
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Understanding Auto Insurance in California
Auto insurance is both a legal requirement and your financial safety net on the road. Here are the key coverage types every California driver should know.
Liability Insurance
Covers injuries and property damage you cause to others in an accident. California requires minimum liability limits — but we often recommend higher limits for real protection.
Collision Insurance
Pays to repair or replace your vehicle after a collision with another car or object, regardless of who's at fault. Essential if you have a loan or lease on your vehicle.
Comprehensive Insurance
Covers damage from non-collision events: theft, vandalism, fire, floods, falling objects, and weather. Protects your car from the unexpected — not just accidents.
Uninsured / Underinsured Motorist
California has one of the highest rates of uninsured drivers in the nation. This coverage protects you when the at-fault driver has no insurance — or not enough.
Medical Payments / PIP
Covers medical expenses for you and your passengers after an accident, regardless of fault. Provides peace of mind knowing your medical bills won't derail your finances.
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Auto Insurance — Frequently Asked Questions
How much auto insurance is required in California?
California requires minimum liability limits of 30/60/15 — $30,000 bodily injury per person, $60,000 per accident, and $15,000 property damage. California raised these limits from 15/30/5 on January 1, 2025. These minimums are often insufficient to fully protect your assets. We recommend higher limits and will help you find the right coverage for your situation.
What does full coverage auto insurance include?
Full coverage typically combines liability insurance (required by law), collision coverage (repairs your car after an accident), and comprehensive coverage (covers theft, weather, fire, and other non-collision damage). It may also include uninsured motorist, medical payments, and rental reimbursement depending on your policy.
How can I lower my car insurance premium in California?
Common ways to reduce your premium include bundling auto with home or renters insurance, maintaining a clean driving record, raising your deductible, and shopping your policy with multiple carriers. As an independent agency, we compare 20+ carriers to find you the best available rate.
Does my auto insurance cover rental cars?
In most cases, your existing collision and comprehensive coverage extends to rental vehicles in the US. Rental reimbursement — which pays for a rental while your own car is being repaired — is a separate optional coverage. We can review your policy and clarify exactly what is covered before your next trip.
What is SR-22 insurance in California?
SR-22 is not its own type of insurance — it is a certificate your insurer files with the California DMV to confirm you carry the required minimum liability coverage. It is typically required after a DUI, a serious moving violation, or driving without insurance. Stonecrest can help you find affordable coverage and file the SR-22 on your behalf.
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