California does have a financial responsibility law, but the amount of coverage that is required is ridiculously low compared to the actual amount of coverage you would need to pay for a total loss or a major accident. As a law, drivers in California must have the following insurance coverage:

•     $15,000 per person injury coverage
•     $30,000 per accident for injury coverage
•     $5,000 property damage coverage per accident

You should check into available discounts and higher coverage amounts if you are a low-risk driver, because you might be able to get a better policy for less money, or for only a little bit more. When you apply for auto insurance in California, your rates will be calculated based on various factors, including:

•     Driving record
•     Age, gender, and marital status
•     Credit rating
•     Car being insured
•     Amount of coverage needed

No matter what your record looks like, or how high-risk you are, you need to shop around and compare rates on auto insurance in California to ensure that you're getting the best possible deal that you can. Remember that cheapest isn't always best, but neither is most expensive. Shopping around is about finding a balance between coverage and cost that works for yo