Skip to content


California Auto owners with Auto Insurance Coverage

Auto Insurance

Auto Insurance

The Golden State once had highways that every other state envied, but one drive through Los Angeles, and you'd know why that's no longer the case. Still, California is a beautiful place to drive. From Highway One along the Pacific to Santa Barbara's wine route to drives through the Redwood Forest and Lake Tahoe areas, California is still a beautiful place to drive – if you've got proper auto insurance.

Valley Center Insurance Agency in California can help you meet state auto insurance or proof of financial responsibility requirements. The California DMV specifies the types of liability insurance you must have if you drive or park a car on California's roads.

What Kind of Insurance Do I Need to Drive in California?

It doesn't matter if you're braving LA's nightmare, rush-hour traffic, or plan to take a leisurely drive to the Pacific oceanfront, California requires the following for privately-owned vehicles:

  • A cash deposit with the DMV or $35,000 if you don't have vehicle liability insurance.
  • A licensed surety bond for $35,000 if you don't have vehicle liability insurance.
  • A DMV-issued certificate of self-insurance.

California Insurance Code§11580.1b requires that you have the minimum:

  • $5000 for property damage
  • $15,000 for injury or death to a single person
  • $30,000 for injury or death to multiple people

If you have comprehensive or collision insurance that doesn't meet these liability requirements, then the state of California is within its rights to suspend your driver's license.

Why Valley Center Insurance Agency?

At Valley Center Insurance Agency, we know California insurance laws, and we can help you find the most affordable policy to keep you in the driver's seat. Call us today to get a hassle-free, no-obligation quote on the coverage you need to drive legally in California. Feel secure when you call us today.

Our Trusted Partner

  • Allianz Life Insurance
  • Allied Insurance
  • American General
  • Banner Life Insurance
  • Broadway
  • Cincinnati Life
  • Farm Bureau
  • Golden Pacific
  • Liberty Mutual
  • Lincoln Financial Group
  • Markel
  • Mass Mutual
  • MetLife
  • Mercury
  • Minnesota Life
  • Nationwide
  • Ohio National Finance Services
  • Progressive
  • Protective Life Insurance
  • Reliance Standard
  • Sagicor Life
  • Securian Financial
  • Stillwater
  • Symetra Life Insurance Company
  • The Hartford
  • Travelers