The state minimum is a floor, not a recommendation
California sets the floor at 30/60/15 for policies issued or renewed on or after 1 January 2025, and that floor is well below what a serious injury claim reaches. Rating here follows Proposition 103, so your driving record, annual mileage, and years of experience carry the most weight, and credit history is not permitted at all. Tell us who drives, what they drive, and roughly how far each year, and we will come back with limits set deliberately rather than at the minimum.
