What California’s New, Higher Liability Limits Mean for Auto Premiums | Insurify

California’s auto insurance costs have climbed steadily over the past few years and could increase even more in 2025, when the state’s higher liability insurance requirements begin.

The Golden State is more than doubling its mandatory liability limits starting Jan. 1, 2025. Previously, California was among the five states with the lowest requirements. The need to keep pace with higher vehicle repair and medical costs likely prompted California to increase its car insurance requirements, Mark Friedlander, director of corporate communications for the Insurance Information Institute (Triple-I), told Insurify.