California Proposition 103 forbids insurance companies from automatically raising rates after an individual makes an uninsured motorist claim, but this protection may be voided if you make multiple uninsured motorist claims in a short period of time, even if the other driver was deemed at fault in every case.
Regardless, uninsured / underinsured motorist coverage is almost always worth it, because so many drivers, especially in California, are uninsured or carry only the minimum amount of coverage.
Because there are so many uninsured and underinsured drivers in California, we recommend a minimum of $100,000 in uninsured/underinsured motorist (UM/UIM) coverage. This helps protect you if you’re hit by someone who either has no insurance or not enough to cover your damages.
It’s important to know that California recently increased the minimum required liability insurance that drivers must carry. As of January 1, 2025, the new minimums are:
Even with this increase, having extra UM/UIM coverage is crucial. And yes, you’ll be required to carry an equal or higher amount of liability coverage to match your UM/UIM coverage.
