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Insurance for the great state of California

Help protect yourself and your loved ones with State Farm® insurance. Your good neighbor is nearby to help with competitive rates on your home, auto, life insurance and more. You can personalize your quote online or contact an agent to help you create a Personal Price Plan® of insurance coverage that is affordable for youfootnote1

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Cruising in California with State Farm auto insurance

Insurance in California helps protect you while you’re on the move. We have  coverage options for

·        collision

·        comprehensive

·        liability

·        medical payments

·        uninsured or underinsured motorist

·        personal injury protection.

Common auto insurance questions

Is auto insurance mandatory in California?

Like most states, California a minimum insurance requirement. If you have an accident that’s your fault, this helps cover things like:

·        Property damage: Damage to another’s person’s vehicle or property

·        Bodily injury: Payment for injuries to other people

What are the minimum auto insurance requirements in California?

California has some of the lowest minimum insurance requirements in the country. California drivers must have at least:

Bodily injury liability: $15,000 per person / $30,000 per accident

Property damage liability: $5,000 per accident

Don’t worry; we have coverage options and plans that can help protect you while you’re on the road.

How are electric vehicles insured?

Electric vehicles are insured the same way traditional cars are.

Also, since electric cars tend to be more expensive and often cost more to repair, they typically cost a little more to insure.

Talk to an agent in your neighborhood for help comparing policies if you have an electric vehicle or are considering getting one soon.

Insuring your home and property in California

a) Whether you rent or own your home, State Farm can help protect what you love with great rates on home and property insurance

What does renters insurance cover?

Covers your personal property kept where you live – things like electronics, jewelry and furniture. It’s a good idea to do a home inventory in case your items are stolen or damaged, so you can recoup your losses.

Is renters insurance important to have?

YES. In case of theft, vandalism or fire, renters insurance will cover the loss of your personal property – even things like the cost of a hotel stay if your residence is uninhabitable due to a covered loss.

How much does renters insurance in California cost?

On average, Californians can expect to pay around $14footnote2 per month on their renters insurance. This can vary by your personal property value, but you can earn more savings by choosing to bundlefootnote3 State Farm insurance policies – like auto and renters insurance and save up to $684footnote4 a year.

Is homeowners insurance worth getting?

YES. Your home is one of your most valuable assets. Homeowners insurance covers for losses caused by things like electronics, furniture, jewelry and fire, theft and storm damage.

What does homeowners insurance not cover?

Flood insurance is not covered by homeowners insurance. If you live in a flood-prone area, it’s a good idea to talk to your agent about a separate policy that helps protect your home from flood damage.

Next Level Protection: Insurance for Californians

Visit your nearby State Farm agent to get an insurance quote and take the next step in protecting the people, things and places you love most.


1Return to reference Prices are based on rating plans that vary by state. Coverage options are selected by the customer, and availability and eligibility may vary.

2Return to reference The average monthly premium for $27,000 of rental coverage is $14, effective in 2021.

3Return to reference Customers may always choose to purchase only one policy but the discount for two or more purchases of different lines of insurance will not then apply. Savings, discount names, percentages, availability and eligibility may vary by state.

4Return to reference Average annual per household savings based on a 2022 national survey by State Farm on new policy holders who reported savings by switching to State Farm.

Ranking and data from S&P Global Market Intelligence, based on direct premiums written as of 2021.

Please remember that the preceding descriptions contain only a general description of available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Coverage options may vary by state. To learn more about auto insurance coverage in your state, find a State Farm agent.

Discounts and their availability may vary by state and eligibility requirements. Not all vehicles or drivers are eligible for discounts.

State Farm Mutual Automobile Insurance Company
State Farm Indemnity Company
State Farm Fire and Casualty Company
State Farm General Insurance Company
Bloomington, IL