PLCaliforniaeasy
For a private passenger auto policy issued in California with an effective date of March 1, 2025, what are the minimum bodily injury and property damage liability limits the policy must provide to satisfy compulsory financial responsibility?
$30,000 per person / $60,000 per accident BI / $15,000 PD
B$15,000 per person / $30,000 per accident BI / $5,000 PD
C$25,000 per person / $50,000 per accident BI / $20,000 PD
D$50,000 per person / $100,000 per accident BI / $25,000 PD
Why this is the answer
California's compulsory financial responsibility law (Veh. Code §§ 16056-16560) historically required only 15/30/5 — the lowest minimums in the United States and unchanged since 1967. SB 1107 (Dodd, 2022) amended Veh. Code § 16056 to phase in two increases: 30/60/15 effective January 1, 2025 and 50/100/25 effective January 1, 2035. A policy issued or renewed on or after January 1, 2025 cannot lawfully provide less than 30/60/15 as primary BI/PD coverage. Producers must reissue lower-limit policies at the new floor at the next renewal.
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