Coverages and service as diverse as California
California has almost 400,000 miles of roadways, offering plenty of room to roam. If you live in the Golden State, USAA offers a combination of coverages and service as big as California. Whether you're rallying on State Route 1, motoring to Monterey or looping down Lombard Street, USAA can be there for you.
The average cost of car insurance in California
There are many things involved in determining auto insurance rates. How many miles you drive a year, your driving record and how many years you've been licensed to drive all play a part in how much you'll pay. California also has a high rate of uninsured motorists, which contributes to higher costs.
See note$169 See noteper month
The average monthly cost for all USAA auto policies issued in California in 2023.See note1
Did you know?
You can save up to 10% on your premium when you bundle your auto policy with homeowners or renters insurance.See note2
California coverage requirements and minimums
As of Jan. 1, 2024, California law requires drivers to have the following minimum bodily injury and property damage liability limits:
| Coverage | Description | California Requirement |
|---|---|---|
| Bodily injury liability per person | This helps cover expenses for injuries or deaths to other vehicles' drivers and their passengers in accidents in which you're found at fault. | Minimum coverage requirement: $15,000 limit per person |
| Bodily injury liability per accident | This is the total amount of coverage for expenses related to injuries or deaths to other vehicles' drivers and their passengers in accidents in which you're found at fault. | Minimum coverage requirement: $30,000 limit per accident |
| Property damage liability | This coverage helps pay for damages to other people's property, including vehicles, homes and other buildings in accidents in which you're found at fault. | Minimum coverage requirement: $5,000 limit per accident |
| Uninsured motorist bodily injury | This helps cover your expenses if you're in an accident caused by a driver who doesn't have insurance. | Required but can be waived by written request |
| Underinsured motorist bodily injury | This helps cover your expenses if you're in an accident caused by a driver who doesn't have enough insurance. | Included with uninsured motorist bodily injury |
| Medical payments | This helps cover medical expenses if you or your passengers are injured in an accident. | Optional |
| Collision | This helps pay to repair or replace your vehicle if it's damaged in an accident related to driving. | May be required if you're making payments to a lender or leasing company. |
| Comprehensive | This helps pay to repair or replace your vehicle if it's stolen, vandalized or damaged by animal collisions, fire, hail and other events. | May be required if you're making payments to a lender or leasing company. |
| Rental reimbursementSee note3 | This helps cover the cost of a rental car while your vehicle is in the shop for repairs after a covered loss. | Optional |
| Bodily injury liability per person |
|---|
DescriptionThis helps cover expenses for injuries or deaths to other vehicles' drivers and their passengers in accidents in which you're found at fault. |
California RequirementMinimum coverage requirement: $15,000 limit per person |
| Bodily injury liability per accident |
|---|
DescriptionThis is the total amount of coverage for expenses related to injuries or deaths to other vehicles' drivers and their passengers in accidents in which you're found at fault. |
California RequirementMinimum coverage requirement: $30,000 limit per accident |
| Property damage liability |
|---|
DescriptionThis coverage helps pay for damages to other people's property, including vehicles, homes and other buildings in accidents in which you're found at fault. |
California RequirementMinimum coverage requirement: $5,000 limit per accident |
| Uninsured motorist bodily injury |
|---|
DescriptionThis helps cover your expenses if you're in an accident caused by a driver who doesn't have insurance. |
California RequirementRequired but can be waived by written request |
| Underinsured motorist bodily injury |
|---|
DescriptionThis helps cover your expenses if you're in an accident caused by a driver who doesn't have enough insurance. |
California RequirementIncluded with uninsured motorist bodily injury |
| Medical payments |
|---|
DescriptionThis helps cover medical expenses if you or your passengers are injured in an accident. |
California RequirementOptional |
| Collision |
|---|
DescriptionThis helps pay to repair or replace your vehicle if it's damaged in an accident related to driving. |
California RequirementMay be required if you're making payments to a lender or leasing company. |
| Comprehensive |
|---|
DescriptionThis helps pay to repair or replace your vehicle if it's stolen, vandalized or damaged by animal collisions, fire, hail and other events. |
California RequirementMay be required if you're making payments to a lender or leasing company. |
| Rental reimbursementSee note3 |
|---|
DescriptionThis helps cover the cost of a rental car while your vehicle is in the shop for repairs after a covered loss. |
California RequirementOptional |
Some drivers choose to have higher limits and carry additional coverages for more protection. If you're responsible for injuries and damage totaling more than your policy limits, you may have to pay out of pocket.
Reasons to choose USAA Auto Insurance in California
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Members Saved $725
A countrywide survey showed that our members saved an average of $725 per year when they switched to USAA Auto Insurance.See note4
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Exceptional Service and Claims
We're available 24/7 online for policy updates and claims through usaa.com and our mobile app.
You may qualify for discounts and savings.
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Good Driver Discount
Get up to 20% off your auto premium when you avoid accidents and moving violations.See note5
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Military On-Base Discount
Save up to 15% on your auto premium when you garage your car on base.See note6
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Annual Mileage and Storage Discount
Get a discount if you don't drive much per yearSee note7, and if you put your car in storage.See note8
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Multi-Policy Discount
Get a discount for having more than one USAA policy like auto, home, valuable personal property or umbrella.See note9
Who can get USAA Auto Insurance?
When you join USAA, you become part of a family who stands by you during every stage of your life. Our family includes:
- U.S. military members and veterans
- Pre-Commissioned officers
- Spouses and children of USAA members
Coverage for whatever moves you
Still have questions about car insurance?
We can help. To speak with a representative, call 800-531-USAA (8722).([thats 800-531-]8722)