Kemper Auto’s personal car insurance gives California drivers options for their individual needs.
- Coverage options for personal vehicles
- Flexible payment plans to help manage insurance expenses
- Coverage choices for different driving needs
- Options for drivers who may need non-standard auto insurance
California car insurance requirements include minimum liability coverage for personal vehicles registered in the state. Liability insurance can help pay for injuries or property damage for which you are legally responsible after an accident.
California requires drivers to carry at least:
California's minimum liability limits changed in January 2025. Drivers can learn more about the minimum liability limit changes and visit the California Department of Insurance for state insurance information.
These limits are the minimum required under California car insurance laws. Drivers may choose higher liability limits or add optional coverage based on their needs.
Optional Car Insurance Coverages Available
Personal car insurance can include optional coverages that go beyond the state's minimum liability requirements.
- Collision coverage: Helps pay for covered damage to your vehicle after a collision with another vehicle or object.
- Comprehensive coverage: Helps pay for certain types of covered vehicle damage that are not caused by a collision, such as theft, vandalism or some weather-related events.
- Uninsured/underinsured motorist coverage: Helps pay covered expenses when an at-fault driver has no insurance or does not have enough insurance.
- Medical payments coverage: Helps pay eligible medical expenses for you and your passengers following a covered accident.
The right policy will depend on factors such as their vehicle, budget and preferred level of coverage.
What is Full Coverage Car Insurance?
"Full coverage" is not a legal term or a specific type of policy. It generally refers to a combination of liability, collision and comprehensive coverage. The coverages and limits included in a policy can vary, so drivers should review their individual policy details.
Driving without the required insurance can have financial and administrative consequences. Depending on the circumstances, an individual driver may face:
- Fines
- Vehicle registration suspension
- License plate suspension
- Registration reinstatement fees
Keeping the required liability coverage in place can help drivers meet the state's financial responsibility requirements.
Some California drivers may be required to have an SR-22 filing. An SR-22 is a certificate of financial responsibility filed by an insurance company with the state to show that a driver has the required liability insurance. It is not a separate type of insurance policy.
Kemper Auto offers SR-22 filing for qualifying drivers. Kemper Auto also accepts certain non-standard forms of identification, including a matrícula consular and foreign or international driver's licenses, which may give more drivers options when shopping for personal car insurance.
Ready to see what car insurance may cost? Get a quote from Kemper Auto and explore coverage options for your personal vehicle. Rates in California vary, and an online quote gives you a starting point based on information about you and your vehicle.
- Start your quote online.
- Review available coverage options for your needs.
- Explore payment options that may fit your budget.
Whether you are shopping for a new policy or just looking for affordable car insurance in California, a Kemper Auto quote can help you review available choices.
Personal car insurance is designed for individual drivers and families who use their vehicles for everyday activities. That can include daily commuters navigating Los Angeles traffic, families with multiple vehicles in the California suburbs, college students driving to class, new drivers, retirees and military members.
Drivers in smaller cities and rural communities also rely on personal auto insurance for trips to work, school, stores and other destinations.
Personal car insurance is generally intended for vehicles that are:
- Owned or leased by an individual or family
- Used for commuting to work or school
- Driven for errands, vacations and everyday personal use
- Shared with household members listed on the policy
- Used for personal trips throughout California and neighboring states
Coverage needs can differ depending on the driver, vehicle and how the vehicle is used.
Several factors can influence the cost of affordable car insurance in California. Because each driver and vehicle are different, premiums can vary from one policyholder to another. Some primary factors that may affect costs include:
- Vehicle type: The make, model, age and other characteristics of a vehicle can affect the cost of coverage.
- Number of vehicles: Adding multiple vehicles to a policy can change the overall premium.
- Driving record: Accidents, violations and other driving history may factor into the cost of a policy.
Available discounts may also affect what a driver pays. For example, Kemper Auto may offer a paid-in-full discount to eligible policyholders.
Because costs depend on individual circumstances and selected coverage, starting an online quote can give you a better idea of available options and potential pricing.
