Uninsured/Underinsured Motorist in California

Uninsured/Underinsured Motorist insurance averages about $160 per year nationally. In California, the overall average car insurance premium is $2,070/yr ($344 above the national average). Actual uninsured/underinsured motorist costs vary based on your driving record, vehicle, and insurer.

Uninsured/Underinsured Motorist is not specifically mandated as a standalone requirement in California, though related coverage may be required. California requires: 15/30 / 5 liability.

Protects you if hit by a driver with no insurance or insufficient coverage. Required in many states. Typical limits are Varies by state and provider. This is a recommended coverage type.

California uses a at-fault (tort) insurance system. In at-fault states, the at-fault driver's insurance pays for damages. This can influence the importance and cost of uninsured/underinsured motorist coverage.

To save on uninsured/underinsured motorist in California: compare quotes from multiple insurers, ask about discounts (safe driver, bundling, low mileage), consider higher deductibles where applicable, and maintain a clean driving record. The cheapest insurer in California is GEICO, while Farmers tends to be the most expensive.