At Yessenia’s Insurance, we offer dependable auto insurance solutions tailored for California drivers. Our goal is to provide the coverage you need with clear guidance and competitive rates.
Coverage Options Include:
- Liability Insurance – Required in California to cover bodily injury and property damage to others.
- Comprehensive Coverage – Protection against theft, vandalism, fire, and other non-collision events.
- Collision Coverage – Helps pay for vehicle repairs or replacement after an accident.
- Non-Owner Auto Insurance – Liability coverage for drivers who don’t own a vehicle but still need insurance.
California Auto Liability Coverage Options
Effective January 1, 2025
California law requires minimum auto liability insurance. However, minimum limits may not be enough to protect you financially after an accident. The chart below shows coverage options so you can choose the level of protection that fits your needs.
| Coverage Option | Bodily Injury Per Person / Per Accident |
Property Damage | Ideal For |
|---|---|---|---|
| State Minimum | $30,000 / $60,000 | $15,000 | Legal compliance only |
| Better Coverage | $50,000 / $100,000 | $50,000 | Common customer upgrade |
| Recommended | $100,000 / $300,000 | $100,000 | Most drivers |
| High Coverage | $250,000 / $500,000 | $100,000 | Homeowners & assets |
| Very High Coverage | $500,000 / $500,000 | $250,000 | Maximum protection |
| Umbrella Policy | +$1,000,000+ | +$1,000,000+ | Extra layer above auto limits |
Important Notice:
Medical costs and vehicle repairs can easily exceed minimum limits. Higher liability limits and umbrella policies can
help protect your savings, home, and future income. Ask your representative for details.