Reader’s Question:

I just paid off my SUV in California. I would like to get he lowest liability I could get but my current car insurance provider advised me not to do this. I would like to know what the minimum liability limits in the state of California for automobile insurance for SUV?

Anna

Los Angeles, CA

The required minimum liability limits in the state of California are 15/30/5. These numbers means $15,000 for bodily injury liability for injury or death per person per accident and $30,000 for injury or death of 2 or more persons per accident and then property damage liability per accident in amounts of $5,000.

You mentioned that you already paid off your vehicle so that means you are no longer required by the finance company or lien holder to carry the physical damage coverages of collision and comprehensive on your vehicle. You have the option to keep them to be fully protected or drop the coverages and just have the minimum liability car insurance for SUV. If you plan to remove the physical damage coverages, it will lower your car insurance for SUV or you also have the option to keep the collision and comprehensive vehicle and just raise your deductible to help lower your premium.

Whether your are leasing your car or you already own it, the car insurance for SUV minimum liability limits in the state of California is 15/30/5. If you have the minimum liability amount car insurance for your SUV then you can no longer lower your auto insurance.