Skip to main content
800-640-2920

California Car Insurance

Get a free California car insurance quote in minutes

Already have a policy?
Call 800-640-2920 so we can help you.

Retrieve a saved quote

Affordable Car Insurance in California

Wawanesa offers dependable and affordable California car insurance to protect you, your passengers, and your vehicle. We provide coverage that meets California’s legal requirements and goes beyond, giving you options to tailor your policy to fit your needs.

California Auto Insurance Coverage Options

Wawanesa’s California auto insurance policies include a variety of coverage options to help protect you against financial loss in the event of an accident or theft.

Bodily Injury Liability

Pays to repair the other driver’s car if you cause an accident. It also pays medical bills and expenses for the other driver and their passengers.

Property Damage Liability

Pays to repair damaged property in an accident you’ve caused, such as another driver’s car, a fence, or a house.

Medical Payments Optional Coverage

Pays, up to your policy limit, regardless who’s at fault for injuries and related costs to you, a resident relative, and your vehicle’s passengers, such as medical bills, hospitalization bills, and funeral expenses. It also applies if you or a resident relative are passengers in other vehicles or are hit by a car while a pedestrian.

Comprehensive Optional Coverage

Pays, up to your policy limit minus your deductible, to repair or replace your car if damages are caused by something other than a collision. This includes theft, fire, vandalism, storms, contact with animals, and more.

Collision Optional Coverage

Pays, up to your policy limit minus your deductible, to repair or replace your car if overturned or damaged in a collision with another vehicle or object.

Uninsured/Underinsured Motorist Protection Optional Coverage

Helps pay for your, your resident relatives’, and your passengers’ injuries if the other driver is at fault and does not have any, or enough, insurance.

Uninsured Motorist—Property Damage Optional Coverage

Coverage is available on all vehicles not insured for Collision. It provides up to $3,500 towards the lesser of either repair to or the actual value of your vehicle for damages caused by an uninsured vehicle where the driver or vehicle is identified and legally liable.

Uninsured Motorist—Collision Waiver Optional Coverage

Pays your collision deductible for damages to your vehicle caused by direct physical contact with an uninsured vehicle where the driver or vehicle is identified and legally liable.

Roadside Assistance Optional Coverage

Pays, up to your policy limit, for common roadside services if your car is disabled.

Rental Expense Optional Coverage

Helps pay for your rental car fees, up to your policy limits, while your car is being repaired or is unavailable as a result of a covered accident.

Vehicle Manufacturer Replacement Parts Optional Coverage

Pays, up to your policy limit, to repair or replace property or parts with those made for or by the original equipment manufacturer, less your deductible.

Special Vehicle Equipment Coverage Optional Coverage

Pays additional costs above your comprehensive or collision coverage to repair or replace your custom equipment if stolen or damaged.

California Proof of Financial Responsibility and Penalties

Proof of financial responsibility, often called “insurance,” is required for anyone operating or parking a vehicle on California roadways. It’s mandatory when registering your vehicle with the Department of Motor Vehicles (DMV), during a traffic stop if requested by law enforcement, or following a traffic accident.

As part of our role as your insurer, we notify the DMV when your California car insurance policy begins or ends. The DMV may also request proof of coverage directly from you. Failing to provide proof of liability insurance can result in severe penalties, such as fines starting at $100 plus any additional penalty assessment fees, suspension of your driver's license, or suspension of your vehicle’s registration.

If you cannot provide proof of insurance, need to reinstate your license after suspension or revocation due to certain offenses, or fail to cover damages after an accident, you may need to file an SR-22 Certificate of Financial Responsibility. Having valid car insurance in California helps you meet these legal requirements and avoid unnecessary complications.

Get Your California Auto Insurance Quote Today

Getting started with Wawanesa is simple, request a quote online. Protect yourself and your vehicle with dependable and affordable car insurance in California.

Get a free online quote today!

Auto Insurance Frequently Asked Questions

What is the minimum car insurance required in California?

California law requires that drivers have a liability insurance policy that provides the following coverage limits (at a minimum):

  • $30,000 for injury/death per person
  • $60,000 for injury/death to more than one person per accident
  • $15,000 for damage to property

Please note, that on January 1, 2025, California law increased its minimum liability coverage limits. This change is applied to all new policies sold or renewed on and after that date. Learn more about this change.

Liability insurance compensates a person other than the policyholder for any personal injury and/or property damage during an accident.

Comprehensive or collision insurance does not meet vehicle financial responsibility requirements.

How do I get a California auto insurance quote?

You can get an auto insurance quote online in just a few minutes by providing basic information about your vehicle and driving history.

You can count on us to provide you with the right car insurance coverage to help protect you in the event of an accident or when you need to file a claim.

Wawanesa Insurance offers:

Get an auto quote today

Does Wawanesa offer discounts for California drivers?

Yes, Wawanesa provides discounts for safe drivers, members insuring multiple vehicles, and long-term members. These discounts help reduce your premium while maintaining quality coverage. Learn more about the car insurance discounts available for California drivers.

Can I manage my California car insurance policy online?
Does Wawanesa provide uninsured motorist coverage?

Wawanesa offers uninsured/underinsured motorist protection coverage, which helps pay for your and your passengers injuries in an accident caused by another driver without any or enough insurance. This is an optional coverage that can be added to your policy.

Is California a no-fault state for accidents?

No, California is not a no-fault state for car accidents. If you are found to have caused an accident, then you would be financially responsible for the damages that result. That includes damages to property (e.g. other vehicles, structures, etc.) and injuries which others have sustained.

Is it illegal to drive without insurance in California?

Yes. If you’re convicted of driving without insurance, you could have your license suspended, your vehicles’ registration suspended, your car impounded, pay hefty fines, or any combination of the four.

What is permissive driver limitation?

Permissive driver limitation is liability coverage that is provided for an insured, other than you or a resident relative, up to, but not exceeding the limits of the Financial Responsibility Law of the State where you live and garage your insured vehicle.

In California, the state requires minimum liability coverage limits of:

  • $30,000 per person for bodily injury or death as a result of any one accident, and subject to the limit as to each person
  • $60,000 for bodily injury or death of all persons as a result of any one accident
  • $15,000 for damage to property of others as a result of any one accident
Do you need proof of insurance to register a car in California?

Yes. You must have proof of insurance to register your vehicle in California.

Have more questions on auto insurance? Visit our FAQs page to find answers on common questions relating to coverage, making a claim, and more.

Auto Insurance FAQs

Disclaimer

Please note that this website provides only a summary of auto insurance to generally illustrate how auto insurance works. Your insurance policy is the legal contract containing the terms and limitations of your coverage. Any coverage provided by a Wawanesa General Insurance Company policy is subject to the terms, conditions, exclusions and endorsements of your insurance policy.