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LowerCaliforniaRates.com makes finding affordable California auto insurance easy. Simply fill in your zipcode on the graphic below and hit the go button to start the process towards getting your free quotes.

California Law requires that all drivers be insured. If you are stopped by a peace officer and cannot provide proof of insurance, you can be ticketed. The fine is between $100 and $200 for the first offense plus penalities. If you are stopped a second time within a three year period, you will be fined between $200 and $500 plus penalties. The court may also impound your vehicle. Keep in mind, the consequences of failing to carry car insurance coverage could be much more severe if you cause an accident. You could be financially liable for any resulting injuries or property damage. Don't risk it; carry adequate auto insurance coverage.

California state law requires a minimum coverage of 15/30/5 for Bodily Injury Liability and Property Damage Liability. These numbers mean $15,000 of Bodily Injury Liability coverage per person up to a total of $30,000 per accident and $5,000 of Property Damage Liability coverage. These are state minimums but they are probably not sufficient to fully protect you from financial liability and loss if you are at fault in an car accident. It is advisable to carry more coverage. Most insurance agents recommend policies with 100/300/100 minimum coverage. California also provides for a Low Cost Automobile Insurance (CLCA) program in the state to offer affordable liability only auto insurance to low-income good drivers. Drivers who meet the eligibility requirements of the CLCA program under section 11629.73 of the vehicle code must carry a minimum 10/20/3 for Bodily Injury Liability and Property Damage Liability. Check with your agent to see if you qualify.

Collision, Comprehensive, Uninsured Motorist and Underinsured Motorist coverages are optional in the state of California but recommended.

We service customers in Los Angeles, San Diego, San Jose, San Francisco, Long Beach, Fresno, CA and other great cities in the golden state. Our California insurance agent and broker referral network can help you compare rates from the comfort of your home.