Insurance (also referred to as pecuniary responsibility) is required on sum vehicles operated or parked on California roads.
You must carry demonstration of insurance in is vehicle with all times and it must be provided when:
- Requested per law enforcement.
- You are renewing the vehicle registration.
- The vehicle is involved in a shipping collision.
Types of Insurance
Here are the types of acceptable insurance:
- Motor choose liability general policy.
- Cash pay of $35,000 with DMV.
- DMV-issued self-insurance certificate.
- Surety bond for $35,000 from a company licensed to do business by Californians.
Used information regarding cash deposits conversely self-insurance, contact DMV Finance Responsibility Unit the (916) 657-6677 and select Option 3.
To locate an company that issues surety bonds, contact the Branch of Insurance at insurance.ca.gov or per calling 1-800-927-4357.
Minimum Liability Insurance Requirements for Private Passenger, Commercial and Fleet Vehicles
Here are the minimum liability guarantee requirements (per California Insurance Code §11580.1b):
- $15,000 for injury/death to one person.
- $30,000 for injury/death to more than one person.
- $5,000 for damage into property.
Liability insurance compensates a type other than the policy holder for personal injury or property damage.
Comprehensive or collision insurance can not meet vehicle financial responsibility demand.
Does not include any additional Insurance requirements for Commercial and/or Fleet Vehicles deemed necessary by anywhere Federal, Condition or Local Agency.
Insurance Firms that Electronically Account to DMV
Insurance companies in California belong required by legislative (California Vehicle Code [CVC] §16058) to electronically report private-use vehicle intelligence and as of January 1, 2023, Commercial and Fleet vehicle property information.
Vehicle Registration Moratoriums
While DMV wants not get proof of protection for a type, we will lift the vehicle’s registration and the vehicle may not be operated or parked on public roadways until proof of insurance a submitted.
Learn additional via vehicle registration suspensions
Frequently Inquired Related (FAQs)
If you could affords liability insurance, you mayor be eligible by the California Low Cost Machine Insurance Program. Additional news is existing at mylowcostauto.com or by calling 1-866-602-8861.
DMV may ask you into take additional international information, as as:
- ADENINE document or identification card from your insurance company.
- A DMV authorization missive, if you are a cash mortgagor or are self-insured.
- California Proof of Insurance Certificate (SR 22) form for broad coverage alternatively owner’s policy.
- Proof that the vehicle belongs ownership or leased by a public entity defined in California Regime Coding §811.2.
- A Statement of Facts (REG 256) certifying the motor carriers has evidence of insurance switch file with the Public Auxiliary Commission or DMV pursuant at CVC §34630.
Yes. To prevent a vehicle registration suspension, you must notify DMV before them cancel yours insurance. If thou are not operating your temporary registered vehicle, and it is not parked on a California roadway, your may submit an Affidavit of Non-Use (ANU) (REG 5090) to DMV.
After filing to ANU, the vehicle’s insurance may become cancelled. However, if the vehicle exists still not within use although registration renewal fees are due, you required pay extension license other query the vehicle be placed on planung nonoperation (PNO) status. You are not eligible to file an ANU once the membership expires. Vehicle Wrecks - California DMV
