California's Auto Insurance Minimum Is Now 30/60/15: What Changed and What to Check
California's minimum liability rose to 30/60/15 on January 1, 2025, the first increase in decades. Here's what the numbers mean and what to look for on your renewal.
California
Insurance
FAIR Plan, earthquake coverage, non-renewal notices, wildfire discounts and the 30/60/15 auto minimum for people in California.
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The insurance posts, sorted by who they are written for.
- Medicare & retirement (0 articles). Medicare, long-term care and planning for retirement. RSS
- P&C (6 articles). Property and casualty: home, auto, flood and wind coverage. RSS
- Life & medical (0 articles). Life insurance and health coverage for individuals and families. RSS
Articles
Does California Homeowners Insurance Cover Flood or Mudflow?
A standard California homeowners policy excludes flood and mudflow. What the Department of Insurance says about NFIP, the 30-day wait, and the FAIR Plan.
Safer from Wildfires: California Insurance Discounts
California's Safer from Wildfires program ties home insurance discounts to ten wildfire-hardening steps, like a Class A roof, ember-resistant vents, and a 5-foot ember-resistant zone. Every qualifying action earns a discount, and FAIR Plan customers can get it too.
California Non-Renewal Notice: 75-Day Rule and Moratoriums
Your California home insurer has to send a non-renewal notice at least 75 days before your policy expires. After a declared wildfire emergency, insurers also can't drop homes in listed ZIP codes for one year because of the fire.
Does California Homeowners Insurance Cover Earthquakes?
In most cases, a California homeowners policy doesn't cover earthquake damage. You need a separate earthquake policy, and state law requires your home insurer to offer one. Most coverage comes from the California Earthquake Authority.
California FAIR Plan: How the Last-Resort Policy Works
The California FAIR Plan is the state's insurer of last resort for basic fire coverage. If no regular insurance company will write your home, a licensed broker registered with the FAIR Plan can apply for you. Most owners pair it with a Difference in Conditions policy.
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