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Insurance Requirements in California

If you are new to Ontario, California, or just getting your license, there are some important things that you need to know about vehicle insurance requirements in the state. Tony Moreno Insurance, Inc. is here to help guide you through the process and provide you with the best possible insurance choice in the area.


California requires that all licensed individuals hold vehicle insurance coverage. The proof of coverage should remain in the automobile at all times and be easily accessed. Below is the minimum requirements of insurance coverage that is needed to drive in the state. All of these are liability coverages that you must have in case of accident. This only protects the person and their automobile that you accidentally hit, not your vehicle or you.

Injury or death – you must have $15,000 in coverage for 1 person in the other vehicle and $30,000 if two people are in the other vehicle per accident.

Property damage – you will need to have at minimum $5,000 in property damage per accident.


Carrying only the minimum liability requirements can pose several risks to you should you be in an accident that is your fault. If you do not have full coverage on your automobile when you are at fault, then you are responsible to pay all damages done to you and your vehicle out of pocket. This can leave you with repair and medical bills that are higher than what you can afford. While it is not mandated that you have full coverage on your vehicles in the Ontario, California, it is suggested. You may not always be able to avoid an accident, but you can be prepared in the event of one.


Tony Moreno Insurance, Inc. has been serving the Ontario area since 1999. The business has been built on quality and the assurance that all of the clients will be cared for. You can trust his professional staff to answer your questions quickly and work with you to get the insurance coverage you need most. Please call our office today and let us work with you to find the right insurance.