Car Insurance Requirements in California

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Driving is essential in California, a state that spans an hours-long drive from north to south. Despite the excellent public transportation systems in many areas, owning a vehicle is also necessary in some parts of the state simply for getting around town late at night or when bus systems are overcrowded. Of course, this means you’ll need the proper car insurance lodi CA.

Liability Requirements

Liability insurance is a legal requirement in the state of California. Even if you have an out-of-state license, you must carry the insurance while you’re in the state. The policy requirements for passenger vehicles includes $5,000 for property damage and either $15,000 for the injury or death of one person or $30,000 for the injury or death of multiple people in the event of an accident.

Other Insurance Considerations

Liability is the only insurance that drives must prove they have at all times, but that doesn’t mean it’s the only one you should purchase. If you want to keep yourself from paying huge bills if you’re in an accident, you should also consider collision coverage, no-fault coverage, and coverage for underinsured or uninsured motorists.

Driving Without Insurance

Simply put, don’t even consider driving without insurance in California. If you’re caught, you’re likely to have your vehicle impounded. When you go to court for the violation, the judge may also choose to suspend your vehicle registration or your driver’s license.

Other Options

Technically, you can drive without liability insurance in California, but only if you fulfill the three other requirements, all of which are more expensive. If you want to drive without an insurance policy, you will need to meet these financial responsibility guidelines. You can must make a deposit of $35,000 to the DMV and you must have a $35,000 surety bond from a licensed California company. Only then will you receive a self-insurance certificate, which you must keep on you all the time.

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