California Auto Insurance

If you’ve ever been stuck on a California freeway, you know how bad it can get out on the road. People don’t look where they’re going. Drivers weave in and out of traffic. When you’re stuck on the 10 or 605, you see it all. Now imagine driving in traffic without auto insurance.

All it takes is one wrong turn or one missed blindspot to cause a multiple car pileup on the road. If you’re found to be at fault for even part of the accident, the costs will pile up, too. With the right auto insurance coverage, you can rest easy knowing you’re covered in nearly any driving situation.

What Types of California Auto Insurance Do You Need?

All drivers in California must have specific liability insurance coverage. The state mandates the minimum amount you must purchase, but this is too low to be of any real help after an auto accident. Always purchase more liability coverage than the bare minimum limits, listed below.

  • Bodily Injury Liability: $15,000 per person / $30,000 per accident minimum
  • Property Damage Liability: $5,000 minimum
  • Uninsured Motorist Bodily Injury: $15,000 per person / $30,000 per accident minimum
  • Uninsured Motorist Property Damage: $3,500 minimum

Uninsured motorist coverage can be waived, but it’s better to buy as much auto insurance as you can afford. You never know when an accident will strike or if you’ll find yourself hit by a driver with little or no insurance coverage.

What Else Does Auto Insurance Cover in California?

Beyond bodily injury and property damage liability coverage, you can purchase other optional insurance protection.

Collision Coverage: You’ll be covered if you’re in an accident with another vehicle or if you hit an object like a pole or a fence. The damage will be repaired or you’ll receive the payout of the value of your vehicle if it’s considered a total loss.

Comprehensive Coverage: Nearly every other type of accident beyond a rollover or collision is covered under comprehensive coverage. This includes theft and vandalism, hitting an animal, and damage caused by hail, wind, flood, or fire.

Purchasing these two together means that you have full coverage on your vehicle. With that, you may be eligible for other supplemental insurance services when your vehicle is in an accident or breaks down:

  • Roadside assistance
  • Towing services
  • Rental car service

If your vehicle is leased or you financed the purchase, you’ll likely be required to carry full coverage auto insurance, but that doesn’t mean that you’ll have to overpay. At PTL Insurance Brokers, we can provide a free quote and go over all your insurance coverage options to help you find the best California auto insurance policy for your needs and your budget. Contact us today!


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Personal Insurance

No matter where you are in life — just starting out or thinking about retirement — PTL Insurance Brokers can help you find the right insurance. From auto to motorcycle, home insurance to renters insurance, we’re here to help you protect yourself, your family, and your home from whatever happens next.

Business Insurance

Building a business takes time, patience, know-how, and the right tools. The right insurance coverage can mean the difference between coming back from disaster or not. At PTL Insurance Brokers, we’ll help you protect your California business, big or small. From general liability to workers compensation, we can help you cover your business from most risks.

Life & Health Insurance

Everyone needs life and health insurance, no matter how old or young you are. You might not want to think about the worst that can happen, and we understand the feeling but you need to protect yourself and your family. Work with PTL Insurance Brokers to purchase the right policies for where you’re at today. We’ll worry about the details, and you just worry about living a full and happy life in the California sun!