Short answer: For policies issued or renewed on or after January 1, 2025, California's minimum liability coverage is $30,000 for injury or death to one person, $60,000 for injury or death to two or more people and $15,000 for property damage (Vehicle Code §16056). The increase came from SB 1107 (2022). For policies issued or renewed on or after January 1, 2035, the minimums rise again to 50/100/25.
Old vs. new minimums
| Coverage | Before 2025 | Issued or renewed on/after Jan 1, 2025 | Issued or renewed on/after Jan 1, 2035 |
|---|---|---|---|
| Bodily injury or death, one person | $15,000 | $30,000 | $50,000 |
| Bodily injury or death, two or more people | $30,000 | $60,000 | $100,000 |
| Property damage | $5,000 | $15,000 | $25,000 |
Source: Vehicle Code §16056. Subdivision (a)(2) sets the 2025 limits and subdivision (d) adds $20,000 / $40,000 / $10,000 for policies issued or renewed on or after January 1, 2035.
Common questions drivers have
- When did my policy change? The new limits apply to any policy issued or renewed on or after January 1, 2025, so most drivers saw the change at their first renewal in 2025.
- Does the minimum protect my car? No. Liability pays for injuries and damage you cause to others. Collision and comprehensive are separate coverages.
- Is the minimum enough? That's a personal decision. The minimum is the legal floor, and a serious accident can exceed it. Higher limits and an umbrella policy are options to discuss with your agent.
Checklist
- Check your declarations page for limits of at least 30/60/15.
- Ask for quotes at higher limits (for example 100/300/100) to compare.
- Note 2035 on your calendar for the next step-up.
Related: car insurance and personal umbrella insurance in California.
Frequently asked questions
What is the minimum car insurance in California in 2025?
30/60/15: $30,000 per person and $60,000 per accident for bodily injury and $15,000 for property damage, for policies issued or renewed on or after January 1, 2025 (Vehicle Code §16056).
Which law raised California's minimum auto insurance?
SB 1107, signed in 2022, which amended Vehicle Code §16056 and related sections.
Will the minimum go up again?
Yes. For policies issued or renewed on or after January 1, 2035, the minimums become 50/100/25.
Does minimum liability cover damage to my own car?
No. It covers injury and property damage you cause to others. Your own car needs collision and comprehensive coverage.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. Not legal, tax or financial advice, and not a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.