Auto Insurance
Why auto insurance matters
Auto insurance is required by law in California, and minimum limits often aren’t enough to fully protect you after a serious accident. The right coverage helps pay for damage to others, your vehicle, medical costs, and liability exposures that exceed state minimums.
What auto insurance covers
Liability coverage (required in California)
Liability coverage pays for injuries or property damage you cause to others in an accident.
Bodily Injury Liability
Covers medical expenses, lost wages, and legal costs for others if you’re found at fault.Property Damage Liability
Pays for damage to another person’s vehicle or property.
California requires minimum liability limits, but those limits are often not enough to fully protect you in a serious accident.
Protection for you and your passengers
Uninsured / Underinsured Motorist Coverage
Protects you if you’re hit by a driver who has little or no insurance—an important coverage in California.Medical Payments Coverage
Helps pay medical expenses for you and your passengers, regardless of who is at fault.
Coverage for your vehicle
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault.Comprehensive Coverage
Covers non-collision losses such as theft, vandalism, fire, falling objects, glass damage, or animal-related incidents.
Optional coverages many drivers find valuable
Depending on your needs, you may also choose:
Rental Car Reimbursement
Helps cover a rental if your car is in the shop after a covered loss.Roadside Assistance
Towing, lockout service, jump starts, and more.Gap Coverage
Covers the difference between your loan or lease balance and your car’s value if it’s totaled.Some policies offer additional protections related to uninsured drivers—such as collision deductible waivers or uninsured motorist property damage coverage.
How much coverage do I need?
California requires drivers to carry minimum liability coverage, but those limits are often not enough to fully protect you after a serious accident.
The right amount of coverage depends on factors such as:
The value of your vehicle
Your savings, assets, and future income
How often and where you drive
Whether you have teen drivers or multiple vehicles
Many drivers choose higher liability limits and uninsured motorist coverage to reduce their financial risk and out-of-pocket exposure.
We’ll help you review your options and recommend coverage that fits your situation—without paying for what you don’t need.
Get a personalized auto insurance quote and make sure your coverage fits your life, vehicle, and budget.