Average Price Of Basic Liability Car Insurance Ca

What is Basic Liability Car Insurance?

Basic liability car insurance is the minimum amount of car insurance coverage required by law in California. It covers the costs of bodily injury and property damage to other people that you may cause in an auto accident. It does not cover costs for your own car or any medical expenses for yourself or your passengers. Basic liability car insurance is also known as third-party liability insurance.

How Much Does Basic Liability Car Insurance Cost in California?

The average cost of basic liability car insurance in California is around $1,287. However, this amount can vary drastically depending on a variety of factors, including your age, driving history, and the type of car you drive. Generally speaking, younger drivers and drivers with more accidents or traffic violations on their record pay higher rates for basic liability car insurance. Additionally, cars that are more expensive to repair or replace, such as luxury vehicles, often have higher insurance premiums.

What Does Basic Liability Car Insurance Cover?

Basic liability car insurance covers the costs of bodily injury and property damage to other people caused by an auto accident for which you are at fault. It does not cover the costs of repairing or replacing your vehicle, or any medical expenses for yourself or your passengers. It also does not cover theft or vandalism of your vehicle, or any other damages to your vehicle caused by an auto accident.

What Does Basic Liability Car Insurance Not Cover?

As previously mentioned, basic liability car insurance does not cover the costs of repairing or replacing your vehicle, or any medical expenses for yourself or your passengers. Additionally, it does not cover any other damages to your vehicle caused by an auto accident, such as theft or vandalism. Furthermore, if you are involved in an accident with an uninsured or underinsured motorist, basic liability car insurance will not cover the costs of any damages or injuries caused by the other party.

Do I Need More than Basic Liability Car Insurance?

In most cases, basic liability car insurance is not enough to cover the costs of repairing or replacing your vehicle, or any medical expenses for yourself or your passengers in the event of an auto accident. It is usually a good idea to purchase additional coverage, such as collision coverage, to ensure that you are fully protected in the event of an accident. Additionally, if you are involved in an accident with an uninsured or underinsured motorist, it is a good idea to purchase uninsured/underinsured motorist coverage to ensure that you are not left with the bill for any damages or injuries caused by the other party.

Conclusion

The average cost of basic liability car insurance in California is around $1,287. While this is the minimum amount of car insurance coverage required by law in the state, it is usually a good idea to purchase additional coverage to ensure that you are fully protected and not left with the bill for any damages or injuries caused by other parties in the event of an auto accident.