What Level of Coverage is Recommended Auto Insurance Coverage for San Francisco Drivers?

All cars registered in San Francisco must have at least the minimum level of car insurance protection mandated by state law in place. The coverage limits in the state are relatively low, which should help to keep coverage rates affordable for most drivers, but buying a no-frills policy with a low policy limit may not provide a driver with enough coverage to adequately protect him or her if an accident occurs.

The minimum level of auto insurance liability coverage required under CA state law is $15,000 to pay for damages and personal injury claims made by a single accident victim and $30,000 to pay for medical bills and related expenses claimed by all victims of the same accident. Property damage liability coverage is also required in the state, and at least $5,000 in protection must be put in place to pay for repairs to the other driver’s vehicle and any public property damaged or destroyed in the accident.

If a serious accident occurs, a policy with this level of protection may not be sufficient to pay for all claims. A vehicle owner who has the following level of coverage in place is a lot less likely to be stuck having to pay for damages caused in an accident personally:

  • $100,000 in bodily injury liability protection to pay for injuries suffered by a single accident victim
  • $300,000 in bodily injury protection to pay for injury claims made by two or more people injured in the same accident
  • $100,000 in property damage liability coverage


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