By Jason Ayala, licensed agent (CA #0G67764) · October 22, 2026
Short answer: since January 1, 2025, every California driver must carry at least $30,000 for injury to one person, $60,000 for injuries to everyone in one accident and $15,000 for property damage, written as 30/60/15. The old minimums were 15/30/5.
Get an auto quote or call 888-391-5981.
What 30/60/15 means
| Number | Pays for |
|---|---|
| $30,000 | Injuries to one person you hurt in an accident |
| $60,000 | Injuries to everyone you hurt in one accident |
| $15,000 | Damage you cause to other people’s cars and property |
What the minimum doesn’t cover
- Your own car (that’s collision and comprehensive)
- Your own injuries if the other driver has no insurance (that’s uninsured motorist coverage)
- Damage above the limits, which you could owe yourself
Why many drivers carry more
A single new car can cost more than $15,000 to replace, and hospital bills add up fast. Higher limits often cost less than people expect. We’ll quote a few options side by side so you can compare.
If you need an SR-22
Drivers who need an SR-22 must show at least the state minimum on file with the DMV. See what an SR-22 is and how long you need it.
Source: State Farm newsroom, California’s new auto liability law.
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Frequently asked questions
When did California’s minimum limits change?
January 1, 2025. Policies issued or renewed after that date must carry at least 30/60/15.
Is minimum coverage enough?
It meets the law, but it may not cover a serious accident. If damages go over your limits, you could be personally responsible.
Request a quote or call 888-391-5981