Personal Auto Insurance
Protection for you, your family, and your vehicle
Personal auto insurance protects you financially in an accident — covering damage to other people's property and injuries, as well as damage to your own vehicle. California requires every driver to carry minimum liability coverage.
What's Covered
What this policy covers
- Bodily Injury Liability — medical costs if you injure someone else
- Property Damage Liability — repairs if you damage someone else's property
- Collision — damage to your vehicle from an accident (regardless of fault)
- Comprehensive — theft, vandalism, weather events, fire, animal strikes
- Uninsured/Underinsured Motorist — when the other driver has no insurance
- Medical Payments / PIP — your medical bills regardless of fault
- Rental Reimbursement — rental car while yours is repaired
Who Needs It
Is this the right coverage for you?
- All licensed drivers — required by California law
- Owners of financed or leased vehicles (lender requires full coverage)
- Families with teen or young adult drivers
- Anyone with assets to protect beyond the state minimum limits
FAQ
Common questions about Personal Auto
What does 30/60/15 minimum liability mean?
$30,000 per person / $60,000 per accident for bodily injury, and $15,000 for property damage. These minimums are often insufficient — a single serious accident can easily exceed them, leaving you personally liable for the difference.
Should I carry more than the California minimum?
Yes. Minimum coverage protects the other party but can leave you personally responsible for amounts above the limit. We recommend at least 100/300/100 for most drivers, and adding a personal umbrella if you have significant assets.
Is my car covered if someone else drives it?
Generally yes — auto insurance follows the car, not the driver. A permissive user is typically covered. However, regular household drivers should be listed on your policy to ensure proper protection.
Ready to get Personal Auto coverage?
Same-day quotes for most personal lines. We'll help you find the right fit.