LOS ANGELS CAR INSURANCE

Los Angeles, California Minimum Insurance Requirements

Every state's minimum insurance coverage levels are slightly different, but all of them include these three basics components:

• Individual Bodily Injury Liability (BIL):
  This is the maximum amount that your insurance company will pay for an individual person injured in a car accident. National minimums range from $10,000 to $50,000. California's BIL minimum is $15,000.
• Total Bodily Injury Liability:
  This is the maximum amount that your insurance company will pay in total for every person injured in a car accident. National minimums range from $20,000 to $100,000. California's total BIL minimum is $30,000.
• Property Damage Liability (PDL):
  This is the maximum amount that your insurance company will pay for property damage caused by a car accident. This includes all physical damage such as vehicle damage, damage to road signs and telephone poles, and any other non-medical expenses caused by a car accident. National minimums range from $5,000 to $25,000. California's PDL minimum is $15,000.

Even though the minimum insurance requirements in Los Angeles, California are 15/30/5, it's important to consider purchasing more than the bare minimum. With so many cars on the road worth $50,000 or more, it doesn't take much for a car accident to produce tens of thousands of dollars in damage. The same goes for Bodily Injury Liability requirements.

It's definitely worth paying a few dollars more for higher coverage levels. Otherwise, you take the risk of finding out after an accident that you don't have enough insurance. Often, it doesn't cost much to bump state minimum levels up to a safer level like 100/200/100.

The Top 5 Car Insurance Companies in California

(Ranked by Direct Premiums Written in 2012)

1. Zurich (Farmers)
2. State Farm
3. Liberty Mutual
4. Allstate
5. Travelers

More Statistics on Los Angeles California

California Insurance Facts
Gas Tax (cents)		Insurance Minimums (dollars)			Average Cost
Gasoline	Diesel	BIL	BIL (total)	PDL	Los Angeles	National
71.3	74	15,000	30,000	5,000	$2,307	$797