California car insurance laws and requirements: What is changing in 2025

Q: Is it mandatory to have car insurance in California?

Yes , California requires that you carry at least the minimum mandatory coverage. Necessary coverage includes 30/60/15.

Q: Will my bare minimum car insurance cover me in another state?

Yes , your car insurance covers claims in another state, even if the minimums are higher in the other state.

California car insurance laws

California requires that drivers carry at least 30/60/15.

These limits are in place to ease the financial burden for drivers who cause an accident and for the victims. The at-fault driver knows their insurer will cover medical expenses and property damage up to a certain amount, and victims can more readily access funds to pay for accident costs.

However, coverage limits are very low and will not cover expenses from a serious accident. To be better protected, California drivers should consider increasing liability limits and adding coverage, such as collision and comprehensive.

California car insurance requirements

California requires the following coverage:

Liability. There are two parts to liability coverage. First, bodily injury liability pays medical costs associated with an accident, such as doctor visits, surgery, and prescriptions. Second, property damage liability covers repairing or replacing items such as vehicles, fences, or buildings.

California liability minimums are 30/60/15.

Geico has the lowest minimum car insurance rates, averaging $367.

The table below shows the top insurers' average rates for minimum coverage in California.

Company	Average annual premium	Average monthly premium
Geico	$367	$31
Progressive	$433	$36
CSAA Insurance (AAA)	$457	$38
Mercury Insurance	$458	$38
Kemper	$492	$41
State Farm	$569	$47
Auto Club Enterprises (AAA)	$623	$52
Travelers	$629	$52
Nationwide	$712	$59
Allstate	$717	$60
Farmers	$774	$64
USAA	$410	$34

Read our methodology

California car insurance cost for minimum coverage limits

On average, state minimum car insurance costs $551. Car insurance rates for minimum coverage vary by company and driver. The table below shows average annual rates for the old minimum liability limits in California. We will soon revise the rates to align with the updated limits.

The cheapest company for minimum coverage in California is Geico at an average rate of $367 annually.

State minimum coverage limit	15/30/5
Average annual premium	$551
Average monthly premium	$46

Read our methodology

Are the California minimum coverage requirements changing in 2025?

California car insurance requirements are changing in 2025 for the first time in 60 years.

The previous liability limits were:

$15,000 for bodily injury or death per person
$30,000 for bodily injury or death per accident
$5,000 for property damage per accident

Liability limits increased on Jan. 1, 2025, to:

$30,000 for bodily injury or death per person
$60,000 for bodily injury or death per accident
$15,000 for property damage per accident

Drivers can expect rates to increase accordingly. However, drivers with more than the minimum required coverage should see no changes.

What does minimum car insurance cover in California?

California requires drivers to carry at least a minimum amount of car insurance to help offset accident costs.

California drivers are required to carry liability coverage. Bodily injury liability helps pay for injuries you cause to others in an accident. Property damage liability covers items damaged in an accident, such as another vehicle, fence, or other property.

PEOPLE ASK:

Is California minimum car insurance enough?

It may not be. Even a moderately serious accident could exceed the state minimum limits of 30/60/15, and minimum coverage may not cover all accident costs. Furthermore, state minimums do not cover your vehicle; you need to add comprehensive and collision coverage.

How much car insurance is enough in California?

Car insurance isn't one size fits all. The amount of coverage you need depends on your assets, net worth and risk level.

For example, if you are financially stable and can afford to pay out of pocket for medical costs and repairs, you may keep insurance limits low. However, you may be sued for the cost difference if you have a sizeable net worth and don't carry enough insurance to cover expenses.

Additionally, if you drive very little or have a short commute, your chances of causing an accident are relatively low. Also, you may choose to skip coverages such as collision and comprehensive if your car isn't worth much, or you can afford to pay for a new vehicle if yours is damaged. However, if you have a loan or lease you will be required to carry this coverage by your lender.

Consider your financial situation when determining how much car insurance you need.

California penalties for driving without car insurance

Since California requires its drivers to carry car insurance, failing to do so has consequences. Although you may be tempted to skip coverage to save money, you'll wind up paying heavily in the long run.

Failing to carry California car insurance has penalties including those listed below. Keep in mind that repeated infractions have more severe penalties, such as jail time.

Fines	$100-$500
Other penalties	License and registration suspension
Jail time	No

Read our methodology

California minimum coverage cost by age group

Younger drivers pay for more car insurance because they lack experience behind the wheel. Fortunately, rates decrease as drivers age.

The table below breaks down the cost of car insurance for various age groups. Geico has the best rates for teens with minimum coverage averaging $1,146. Geico offers the cheapest coverage for adults at $374.

Male

Male
Female

Age	Company	Male annual premium	Male monthly premium
16	Progressive	$1,301	$108
16	Geico	$1,352	$113
16	Travelers	$1,400	$117
16	State Farm	$1,417	$118
16	Mercury Insurance	$1,541	$128
16	Farmers	$2,025	$169
16	Kemper	$2,065	$172
16	Auto Club Enterprises (AAA)	$2,067	$172
16	Allstate	$2,084	$174
16	CSAA Insurance (AAA)	$2,232	$186
16	Nationwide	$3,345	$279
16	USAA	$1,215	$101
17	State Farm	$1,237	$103
17	Geico	$1,299	$108
17	Progressive	$1,301	$108
17	Mercury Insurance	$1,330	$111
17	Travelers	$1,351	$113
17	CSAA Insurance (AAA)	$1,656	$138
17	Kemper	$1,844	$154
17	Farmers	$1,990	$166
17	Auto Club Enterprises (AAA)	$2,036	$170
17	Allstate	$2,084	$174
17	Nationwide	$2,716	$226
17	USAA	$1,107	$92
18	State Farm	$1,156	$96
18	Geico	$1,162	$97
18	Mercury Insurance	$1,198	$100
18	Progressive	$1,280	$107
18	Travelers	$1,304	$109
18	CSAA Insurance (AAA)	$1,397	$116
18	Kemper	$1,675	$140
18	Auto Club Enterprises (AAA)	$1,790	$149
18	Allstate	$1,952	$163
18	Farmers	$1,952	$163
18	Nationwide	$2,501	$208
18	USAA	$1,039	$87
19	Geico	$771	$64
19	State Farm	$907	$76
19	Mercury Insurance	$909	$76
19	CSAA Insurance (AAA)	$960	$80
19	Progressive	$991	$83
19	Travelers	$1,037	$86
19	Kemper	$1,234	$103
19	Allstate	$1,317	$110
19	Auto Club Enterprises (AAA)	$1,350	$113
19	Farmers	$1,530	$128
19	Nationwide	$1,766	$147
19	USAA	$781	$65
20	Geico	$736	$61
20	CSAA Insurance (AAA)	$807	$67
20	State Farm	$866	$72
20	Mercury Insurance	$909	$76
20	Progressive	$944	$79
20	Travelers	$992	$83
20	Kemper	$1,096	$91
20	Auto Club Enterprises (AAA)	$1,132	$94
20	Allstate	$1,164	$97
20	Farmers	$1,438	$120
20	Nationwide	$1,646	$137
20	USAA	$749	$62
21	Geico	$497	$41
21	CSAA Insurance (AAA)	$705	$59
21	Progressive	$740	$62
21	State Farm	$791	$66
21	Mercury Insurance	$799	$67
21	Travelers	$869	$72
21	Allstate	$960	$80
21	Auto Club Enterprises (AAA)	$992	$83
21	Kemper	$996	$83
21	Nationwide	$1,248	$104
21	Farmers	$1,284	$107
21	USAA	$581	$48
22	Geico	$479	$40
22	CSAA Insurance (AAA)	$623	$52
22	Progressive	$683	$57
22	State Farm	$775	$65
22	Mercury Insurance	$796	$66
22	Travelers	$815	$68
22	Allstate	$921	$77
22	Kemper	$929	$77
22	Auto Club Enterprises (AAA)	$950	$79
22	Farmers	$1,086	$91
22	Nationwide	$1,114	$93
22	USAA	$559	$47
23	Geico	$464	$39
23	CSAA Insurance (AAA)	$559	$47
23	Progressive	$618	$52
23	State Farm	$713	$59
23	Travelers	$780	$65
23	Mercury Insurance	$794	$66
23	Allstate	$851	$71
23	Kemper	$855	$71
23	Auto Club Enterprises (AAA)	$923	$77
23	Nationwide	$1,036	$86
23	Farmers	$1,078	$90
23	USAA	$541	$45
24	Geico	$449	$37
24	CSAA Insurance (AAA)	$535	$45
24	Progressive	$554	$46
24	Mercury Insurance	$601	$50
24	State Farm	$694	$58
24	Travelers	$744	$62
24	Kemper	$792	$66
24	Allstate	$828	$69
24	Auto Club Enterprises (AAA)	$906	$76
24	Nationwide	$965	$80
24	Farmers	$1,075	$90
24	USAA	$514	$43
25	Geico	$434	$36
25	CSAA Insurance (AAA)	$467	$39
25	Progressive	$516	$43
25	Mercury Insurance	$601	$50
25	State Farm	$658	$55
25	Travelers	$716	$60
25	Kemper	$738	$62
25	Allstate	$771	$64
25	Auto Club Enterprises (AAA)	$800	$67
25	Nationwide	$892	$74
25	Farmers	$904	$75
25	USAA	$491	$41
30	Geico	$376	$31
30	CSAA Insurance (AAA)	$442	$37
30	Progressive	$442	$37
30	Mercury Insurance	$473	$39
30	Kemper	$580	$48
30	State Farm	$590	$49
30	Auto Club Enterprises (AAA)	$635	$53
30	Travelers	$648	$54
30	Allstate	$722	$60
30	Nationwide	$750	$63
30	Farmers	$816	$68
30	USAA	$436	$36
35	Geico	$371	$31
35	Progressive	$434	$36
35	CSAA Insurance (AAA)	$442	$37
35	Mercury Insurance	$473	$39
35	Kemper	$505	$42
35	State Farm	$580	$48
35	Auto Club Enterprises (AAA)	$628	$52
35	Travelers	$634	$53
35	Allstate	$702	$59
35	Nationwide	$728	$61
35	Farmers	$773	$64
35	USAA	$413	$34
40	Geico	$367	$31
40	Progressive	$433	$36
40	CSAA Insurance (AAA)	$457	$38
40	Mercury Insurance	$458	$38
40	Kemper	$493	$41
40	State Farm	$569	$47
40	Auto Club Enterprises (AAA)	$623	$52
40	Travelers	$629	$52
40	Nationwide	$712	$59
40	Allstate	$717	$60
40	Farmers	$774	$65
40	USAA	$410	$34
45	Geico	$364	$30
45	Progressive	$415	$35
45	CSAA Insurance (AAA)	$457	$38
45	Mercury Insurance	$458	$38
45	Kemper	$500	$42
45	State Farm	$553	$46
45	Auto Club Enterprises (AAA)	$623	$52
45	Travelers	$624	$52
45	Nationwide	$690	$58
45	Allstate	$699	$58
45	Farmers	$788	$66
45	USAA	$416	$35
50	Geico	$362	$30
50	Progressive	$410	$34
50	CSAA Insurance (AAA)	$434	$36
50	Mercury Insurance	$451	$38
50	Kemper	$513	$43
50	State Farm	$543	$45
50	Travelers	$614	$51
50	Auto Club Enterprises (AAA)	$624	$52
50	Nationwide	$658	$55
50	Allstate	$700	$58
50	Farmers	$791	$66
50	USAA	$417	$35
55	Geico	$361	$30
55	Progressive	$412	$34
55	CSAA Insurance (AAA)	$434	$36
55	Mercury Insurance	$451	$38
55	Kemper	$500	$42
55	State Farm	$528	$44
55	Travelers	$600	$50
55	Auto Club Enterprises (AAA)	$624	$52
55	Nationwide	$664	$55
55	Allstate	$694	$58
55	Farmers	$779	$65
55	USAA	$412	$34
60	Geico	$361	$30
60	Progressive	$413	$34
60	CSAA Insurance (AAA)	$442	$37
60	Mercury Insurance	$471	$39
60	State Farm	$504	$42
60	Kemper	$520	$43
60	Travelers	$601	$50
60	Auto Club Enterprises (AAA)	$635	$53
60	Nationwide	$677	$56
60	Allstate	$692	$58
60	Farmers	$766	$64
60	USAA	$404	$34
65	Geico	$363	$30
65	State Farm	$438	$37
65	Progressive	$441	$37
65	Mercury Insurance	$471	$39
65	CSAA Insurance (AAA)	$499	$42
65	Kemper	$538	$45
65	Travelers	$630	$53
65	Auto Club Enterprises (AAA)	$644	$54
65	Nationwide	$689	$57
65	Allstate	$703	$59
65	Farmers	$790	$66
65	USAA	$411	$34
70	Geico	$384	$32
70	State Farm	$466	$39
70	Mercury Insurance	$509	$42
70	Progressive	$533	$44
70	CSAA Insurance (AAA)	$558	$47
70	Kemper	$665	$55
70	Travelers	$678	$57
70	Nationwide	$713	$59
70	Auto Club Enterprises (AAA)	$734	$61
70	Allstate	$743	$62
70	Farmers	$865	$72
70	USAA	$432	$36
75	Geico	$411	$34
75	Progressive	$534	$45
75	State Farm	$539	$45
75	Mercury Insurance	$554	$46
75	CSAA Insurance (AAA)	$643	$54
75	Kemper	$671	$56
75	Travelers	$741	$62
75	Allstate	$768	$64
75	Nationwide	$807	$67
75	Auto Club Enterprises (AAA)	$848	$71
75	Farmers	$925	$77
75	USAA	$489	$41

Read our methodology

Age	Company	Female annual premium	Female monthly premium
16	Progressive	$1,301	$108
16	Geico	$1,352	$113
16	Travelers	$1,400	$117
16	State Farm	$1,417	$118
16	Mercury Insurance	$1,541	$128
16	Farmers	$2,025	$169
16	Kemper	$2,065	$172
16	Auto Club Enterprises (AAA)	$2,067	$172
16	Allstate	$2,084	$174
16	CSAA Insurance (AAA)	$2,230	$186
16	Nationwide	$3,333	$278
16	USAA	$1,215	$101
17	State Farm	$1,237	$103
17	Geico	$1,299	$108
17	Progressive	$1,301	$108
17	Mercury Insurance	$1,330	$111
17	Travelers	$1,351	$113
17	CSAA Insurance (AAA)	$1,655	$138
17	Kemper	$1,843	$154
17	Farmers	$1,990	$166
17	Auto Club Enterprises (AAA)	$2,036	$170
17	Allstate	$2,084	$174
17	Nationwide	$2,704	$225
17	USAA	$1,107	$92
18	State Farm	$1,156	$96
18	Geico	$1,162	$97
18	Mercury Insurance	$1,198	$100
18	Progressive	$1,277	$106
18	Travelers	$1,304	$109
18	CSAA Insurance (AAA)	$1,396	$116
18	Kemper	$1,671	$139
18	Auto Club Enterprises (AAA)	$1,790	$149
18	Allstate	$1,952	$163
18	Farmers	$1,947	$162
18	Nationwide	$2,495	$208
18	USAA	$1,039	$87
19	Geico	$771	$64
19	State Farm	$907	$76
19	Mercury Insurance	$909	$76
19	CSAA Insurance (AAA)	$960	$80
19	Progressive	$987	$82
19	Travelers	$1,037	$86
19	Kemper	$1,230	$103
19	Allstate	$1,317	$110
19	Auto Club Enterprises (AAA)	$1,350	$113
19	Farmers	$1,525	$127
19	Nationwide	$1,761	$147
19	USAA	$781	$65
20	Geico	$736	$61
20	CSAA Insurance (AAA)	$807	$67
20	State Farm	$866	$72
20	Mercury Insurance	$909	$76
20	Progressive	$939	$78
20	Travelers	$992	$83
20	Kemper	$1,092	$91
20	Auto Club Enterprises (AAA)	$1,132	$94
20	Allstate	$1,164	$97
20	Farmers	$1,432	$119
20	Nationwide	$1,632	$136
20	USAA	$749	$62
21	Geico	$497	$41
21	CSAA Insurance (AAA)	$705	$59
21	Progressive	$739	$62
21	State Farm	$791	$66
21	Mercury Insurance	$799	$67
21	Travelers	$869	$72
21	Allstate	$960	$80
21	Auto Club Enterprises (AAA)	$992	$83
21	Kemper	$991	$83
21	Nationwide	$1,242	$104
21	Farmers	$1,279	$107
21	USAA	$581	$48
22	Geico	$479	$40
22	CSAA Insurance (AAA)	$623	$52
22	Progressive	$682	$57
22	State Farm	$774	$65
22	Mercury Insurance	$795	$66
22	Travelers	$815	$68
22	Allstate	$917	$76
22	Kemper	$925	$77
22	Auto Club Enterprises (AAA)	$950	$79
22	Farmers	$1,082	$90
22	Nationwide	$1,111	$93
22	USAA	$559	$47
23	Geico	$464	$39
23	CSAA Insurance (AAA)	$559	$47
23	Progressive	$617	$51
23	State Farm	$713	$59
23	Travelers	$780	$65
23	Mercury Insurance	$792	$66
23	Allstate	$851	$71
23	Kemper	$853	$71
23	Auto Club Enterprises (AAA)	$923	$77
23	Nationwide	$1,034	$86
23	Farmers	$1,078	$90
23	USAA	$541	$45
24	Geico	$449	$37
24	CSAA Insurance (AAA)	$535	$45
24	Progressive	$553	$46
24	Mercury Insurance	$601	$50
24	State Farm	$694	$58
24	Travelers	$744	$62
24	Kemper	$792	$66
24	Allstate	$827	$69
24	Auto Club Enterprises (AAA)	$906	$76
24	Nationwide	$964	$80
24	Farmers	$1,074	$90
24	USAA	$514	$43
25	Geico	$434	$36
25	CSAA Insurance (AAA)	$467	$39
25	Progressive	$516	$43
25	Mercury Insurance	$601	$50
25	State Farm	$658	$55
25	Travelers	$716	$60
25	Kemper	$738	$62
25	Allstate	$771	$64
25	Auto Club Enterprises (AAA)	$800	$67
25	Nationwide	$892	$74
25	Farmers	$904	$75
25	USAA	$491	$41
30	Geico	$376	$31
30	CSAA Insurance (AAA)	$442	$37
30	Progressive	$442	$37
30	Mercury Insurance	$473	$39
30	Kemper	$580	$48
30	State Farm	$590	$49
30	Auto Club Enterprises (AAA)	$635	$53
30	Travelers	$648	$54
30	Allstate	$722	$60
30	Nationwide	$750	$63
30	Farmers	$816	$68
30	USAA	$436	$36
35	Geico	$371	$31
35	Progressive	$434	$36
35	CSAA Insurance (AAA)	$441	$37
35	Mercury Insurance	$473	$39
35	Kemper	$505	$42
35	State Farm	$579	$48
35	Auto Club Enterprises (AAA)	$628	$52
35	Travelers	$634	$53
35	Allstate	$702	$59
35	Nationwide	$728	$61
35	Farmers	$773	$64
35	USAA	$413	$34
40	Geico	$367	$31
40	Progressive	$433	$36
40	CSAA Insurance (AAA)	$457	$38
40	Mercury Insurance	$458	$38
40	Kemper	$492	$41
40	State Farm	$569	$47
40	Auto Club Enterprises (AAA)	$623	$52
40	Travelers	$628	$52
40	Nationwide	$712	$59
40	Allstate	$717	$60
40	Farmers	$774	$65
40	USAA	$410	$34
45	Geico	$364	$30
45	Progressive	$415	$35
45	CSAA Insurance (AAA)	$457	$38
45	Mercury Insurance	$458	$38
45	Kemper	$500	$42
45	State Farm	$554	$46
45	Auto Club Enterprises (AAA)	$623	$52
45	Travelers	$624	$52
45	Nationwide	$690	$58
45	Allstate	$699	$58
45	Farmers	$788	$66
45	USAA	$416	$35
50	Geico	$362	$30
50	Progressive	$410	$34
50	CSAA Insurance (AAA)	$434	$36
50	Mercury Insurance	$451	$38
50	Kemper	$514	$43
50	State Farm	$544	$45
50	Travelers	$615	$51
50	Auto Club Enterprises (AAA)	$624	$52
50	Nationwide	$659	$55
50	Allstate	$702	$59
50	Farmers	$791	$66
50	USAA	$417	$35
55	Geico	$361	$30
55	Progressive	$412	$34
55	CSAA Insurance (AAA)	$434	$36
55	Mercury Insurance	$451	$38
55	Kemper	$500	$42
55	State Farm	$528	$44
55	Travelers	$600	$50
55	Auto Club Enterprises (AAA)	$624	$52
55	Nationwide	$664	$55
55	Allstate	$694	$58
55	Farmers	$779	$65
55	USAA	$412	$34
60	Geico	$361	$30
60	Progressive	$413	$34
60	CSAA Insurance (AAA)	$442	$37
60	Mercury Insurance	$471	$39
60	State Farm	$504	$42
60	Kemper	$520	$43
60	Travelers	$600	$50
60	Auto Club Enterprises (AAA)	$635	$53
60	Nationwide	$677	$56
60	Allstate	$692	$58
60	Farmers	$766	$64
60	USAA	$404	$34
65	Geico	$363	$30
65	State Farm	$438	$37
65	Progressive	$441	$37
65	Mercury Insurance	$471	$39
65	CSAA Insurance (AAA)	$499	$42
65	Kemper	$538	$45
65	Travelers	$630	$53
65	Auto Club Enterprises (AAA)	$644	$54
65	Nationwide	$689	$57
65	Allstate	$703	$59
65	Farmers	$790	$66
65	USAA	$411	$34
70	Geico	$384	$32
70	State Farm	$466	$39
70	Mercury Insurance	$509	$42
70	Progressive	$533	$44
70	CSAA Insurance (AAA)	$558	$47
70	Kemper	$664	$55
70	Travelers	$678	$57
70	Nationwide	$713	$59
70	Auto Club Enterprises (AAA)	$734	$61
70	Allstate	$742	$62
70	Farmers	$865	$72
70	USAA	$432	$36
75	Geico	$411	$34
75	Progressive	$534	$45
75	State Farm	$538	$45
75	Mercury Insurance	$554	$46
75	CSAA Insurance (AAA)	$643	$54
75	Kemper	$670	$56
75	Travelers	$740	$62
75	Allstate	$767	$64
75	Nationwide	$807	$67
75	Auto Club Enterprises (AAA)	$848	$71
75	Farmers	$924	$77
75	USAA	$489	$41

Read our methodology

California minimum coverage cost by city

San Diego drivers pay the least for minimum coverage in California at $552. However, Los Angeles pay the most at $748.

Car insurance rates vary by city. For example, drivers in larger cities with a high traffic volume or vehicle theft rate pay higher rates.

The table below shows average minimum coverage rates for cities in California.

City	Average annual premium	Average monthly premium
San Diego	$552	$46
San Jose	$554	$46
Fresno	$565	$47
Bakersfield	$567	$47
Oakland	$586	$49
San Francisco	$610	$51
Anaheim	$626	$52
Sacramento	$629	$52
Long Beach	$641	$53
Los Angeles	$748	$62

Read our methodology

Optional car insurance coverage in California

California requires drivers to carry car insurance to pay for injuries and damages caused to others. However, drivers don't have to carry coverage for their vehicle unless required by a loan or lease.

Drivers may choose optional coverages such as:

Collision. Collision coverage pays for damages to your vehicle if you cause an accident.
Comprehensive. This coverage pays for damages to your car unrelated to an accident, such as fire, flood, falling debris, and hail.
Rental car coverage. This pays for a rental car if your vehicle is being repaired for a covered claim and usually has time and cost limits.
Roadside assistance. If you run out of gas, need a tire changed, or have a dead battery roadside assistance will send someone to help.
Gap. Gap coverage pays the difference between what you owe on a car loan and the vehicle's value.

Why do limits change?

"Several states have minimum requirements of property damage of $10,000-$25,000," says Zack Pope, agency manager at David Pope Insurance in Missouri. "[Given] the current values of vehicles, that's extremely antiquated values of coverage and a main reason that I personally do not offer less than 100/300/100 to customers. It is significantly easier to see a car on the road that is valued at $100,000 than it has been in the past."

Methodology

Insurance.com commissioned state minimum car insurance rates from Quadrant Information Systems based on a 40-year-old driver with good credit and a clean driving history, driving a 2023 Honda Accord LX. Rates are based on all coverages required by law at minimum coverage limits. Rates were also fielded for various additional age groups. State laws were gathered from state DMV and insurance department websites.

California car insurance laws and requirements: FAQs

Is it mandatory to have car insurance in California?

Yes, California requires that you carry at least the minimum mandatory coverage. Necessary coverage includes 30/60/15.

Will my bare minimum car insurance cover me in another state?

Yes, your car insurance covers claims in another state, even if the minimums are higher in the other state.

What happens if I drive without car insurance in California?

If you're caught driving without car insurance in California, you may face fines, a driver's license suspension, having your vehicle impounded, and increased car insurance rates. Additionally, you may face jail time, especially for multiple violations.