Insurance requirement guides for California.
$30,000 / $60,000 / $15,000
Bodily injury per person / per accident / property damage, written 30/60/15
Set by SB 1107. Read off the statute on , and the figure every California guide on this site is checked against.
Compare it with every stateInsurance regulation
Registration and insurance verification
Standard general liability excludes a customer's vehicle under the care, custody, and control exclusion — mobile mechanics need garagekeepers coverage plus commercial auto, which most repair apps require before onboarding.
California has no statewide boat insurance mandate, but most marina slip agreements require liability cover, at a limit each marina sets. Here's what CA boat owners need to know about the Boater Card, BUI and lenders.
California requires 30/60/15 motorcycle liability insurance as of January 2025, up from the old 15/30/5. Learn the new minimums, Proposition 213 penalties, and SR-22 rules for riders.
California's architect license carries no E&O mandate. The law requires $1,000,000+ security only of architecture LLPs, and a report to the Board of any claim paid at $5,000 or more.
Most states attach no insurance rule to small unlicensed jobs, but Utah requires liability insurance above $3,000. Unlicensed limits by state: $1,000 in CA, AZ, NV and OR, $2,500 in FL, $7,000 in UT.
Interstate for-hire freight needs $750,000 federally. A truck that never leaves its state follows that state's rule instead: $50,000 in Florida, $500,000 in Texas, $1,500,000 in New Jersey.
Most bakeries are legally required to carry only workers' comp. Liability cover comes from leases and markets, and home bakers answer to cottage food caps: $250,000 in Florida, $75,000–$150,000 in California.
Texas, Ohio and Florida make liability insurance an HVAC license condition; California requires a $25,000 bond instead; Georgia's cities may not impose insurance at all. The state-by-state rules.
Texas requires $300,000 per occurrence of licensed daycares, but lets uninsured providers operate after telling parents. California homes can use parent affidavits instead of insurance.
California requires 15/30/5 minimum liability coverage. Learn what the state mandates, penalties for driving uninsured, and why minimums may not be enough.
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Every guide on this page covers a California requirement: what the law makes you carry, who it applies to, and what happens without it. The auto liability minimum above is read off the statute itself, and each California guide on this site is checked against that same figure. The regulators linked above are where California publishes the rules, so they are the place to confirm anything before you rely on it.
