Who Must Carry Auto Liability Insurance in California

Who Is Required by California Law?

Every motorist who holds a valid California driver's license and operates a vehicle registered in the state must carry the minimum auto liability insurance mandated by law. This includes passenger cars, motorcycles, trucks, vans, and any other motor vehicle. The requirement applies regardless of whether the vehicle is owned, leased, or borrowed.

Minimum Coverage Limits

California's minimum liability limits are:

• $15,000 for bodily injury per person
• $30,000 for total bodily injury per accident
• $5,000 for property damage

Who Is Exempt?

Exemptions are rare and typically limited to:

• Government vehicles operated by state or local agencies
• Non‑motorized vehicles such as bicycles or skateboards
• Vehicles used exclusively for non‑commercial purposes and operated by the owner for a short period (e.g., a temporary rental that is not part of a business)

Why the Requirement Matters

Insurance protects drivers, passengers, and third parties from financial loss after an accident. Without coverage, a driver faces civil liability and potential license suspension. California's Department of Motor Vehicles (DMV) enforces compliance through periodic checks, roadside inspections, and renewal notifications.

How to Verify Your Coverage

Drivers should keep a copy of their insurance card in the vehicle at all times. The card must display the policy number, effective dates, and the required minimum limits. If unsure, contact the insurer or check the state's online verification portal.