Full coverage car insurance in California includes collision, comprehensive, and liability insurance, and it helps cover a totaled vehicle so you can afford to buy a new or used car
. The average cost for full-coverage auto insurance in California is around $2,475 per year or $206.25, but auto insurance rates vary depending on factors such as age and location
. Key components of full coverage car insurance in California are:
- Collision Protection : This coverage pays for repairs to your vehicle, less the amount of your deductible, in the event of a collision and is typically optional, though a car lease or loan may require it
- Comprehensive Auto Insurance : This coverage protects your vehicle from damage caused by events other than collision, such as theft, fire, or natural disasters
- Liability Coverage : This coverage protects you from legal liabilities arising from accidents involving your vehicle, including bodily injury and property damage liability
In California, drivers need at least $15,000 of liability insurance, but opting for full coverage provides more extensive protection and can be a wise investment, especially for new or leased vehicles, high-value vehicles, or those driven in risky conditions
