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California Driver Insurance

Smart protection without the premium price

Easy coverage for California’s laid-back drivers

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Safe Driver Rewards

Discounts for clean driving records

Accident Forgiveness

Your first accident won’t raise your rate

New Car Replacement

Full replacement value for new vehicles

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About California Driver Insurance

At California Driver Insurance, we believe quality coverage shouldn’t break the bank. We work with lifestyle-focused drivers across California coastal communities to find the sweet spot between comprehensive protection and affordable premiums. Smart coverage, honest prices — that’s our promise.

California Insurance License #0B75129

California Driver Insurance | CA License #0B75129

11608 Chayote Street, Suite 5, Los Angeles, CA 90049

(877) 411-5200 | Mon–Fri, 9:00 AM – 5:00 PM PST

Frequently Asked Questions

What car insurance is required in California?

California requires minimum liability coverage of 30/60/15 — $30,000 per person and $60,000 per accident for bodily injury, plus $15,000 for property damage. Minimum limits satisfy the law but are often far below what a serious accident costs, which is why many drivers carry higher limits.

What's the difference between liability-only and full coverage?

Liability-only pays for damage you cause to others; it never pays to fix your own car. 'Full coverage' adds collision and comprehensive, which cover your vehicle for accidents, theft, vandalism, and weather. Lenders require full coverage on financed vehicles.

How can I lower my California auto insurance rate?

Compare multiple carriers, ask about California's Good Driver discount, consider higher deductibles, and bundle with home or renters coverage. Rates for the same driver can vary widely between carriers, so shopping matters more than any single discount. Call (877) 411-5200 for a multi-carrier comparison.

Does car insurance follow the car or the driver in California?

Primarily the car. If you lend your vehicle to a licensed driver with your permission, your policy is generally the one that responds first. That's worth remembering before handing over the keys.