How It Works
Enter your ZIP code and tell us what coverage you are looking for in California
See what California requires and compare quotes from licensed carriers
Choose coverage that meets California requirements and get proof of insurance
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Liability Insurance
Every vehicle on a multi-car policy must carry at least your state's minimum bodily-injury and property-damage liability. State minimums range from $15,000 per person to $50,000; most common is $25,000.
Full Coverage Car Insurance
Liability plus collision and comprehensive on a single vehicle. On a multi-car policy, you choose which vehicles carry full coverage and which carry liability only — the discount applies to the whole policy regardless.
Uninsured and Underinsured Motorist Coverage
Pays when another driver hits your vehicle and lacks adequate liability coverage. Required in 22 states; optional in others. On a multi-car policy, uninsured-motorist coverage typically applies per vehicle.
Multi-Car Policy Structure
A single policy covering two or more vehicles, each with its own coverage elections. The multi-car discount requires all vehicles on the same policy and often the same garaging address; the discount amount varies by carrier and state.
