Can Undocumented Immigrants Get Car Insurance in California?

Can Undocumented Immigrants Get Car Insurance in California?

April 22, 2025

Table Of Content

    Can Undocumented Immigrants Get Car Insurance in California?

    Can Undocumented Immigrants Get Car Insurance in California?

    April 22, 2025

    Yes, they can—and in fact, they must. California law requires all drivers, including undocumented immigrants, to carry car insurance if they intend to drive legally within the state. At Avian Law Group, we believe in empowering every member of our community with the knowledge and legal support they need, especially when it comes to navigating the aftermath of a car accident.

    If you’ve been injured in an accident or are facing challenges with an insurance claim, our experienced personal injury attorneys are here to help. We offer free consultations and only get paid if we recover compensation on your behalf.

    Why Does California Permit Undocumented Immigrants to Get Auto Insurance?

    California’s commitment to public safety and reducing the number of uninsured drivers led to the passage of Assembly Bill 60 (AB 60). This legislation allows undocumented immigrants to obtain a valid California driver’s license by meeting certain criteria, such as proving their identity and California residency.

    Once licensed under AB 60, drivers can legally purchase car insurance, just like any other resident. This not only protects the insured driver but also safeguards other motorists in the event of an accident.

    What Are the Minimum Insurance Requirements in California?

    Under California Insurance Code §11580.1b, the current minimum liability coverage includes:

    • $15,000 for bodily injury or death to one person
    • $30,000 for bodily injury or death to more than one person
    • $5,000 for property damage

    Insurance providers are not permitted to deny coverage based on immigration status, and many accept an Individual Taxpayer Identification Number (ITIN) in place of a Social Security Number.
    Important Update: Starting January 1, 2025, these minimum limits will increase under Senate Bill 1107:

    • $30,000 for injury or death to one person
    • $60,000 for injury or death to multiple people
    • $15,000 for property damage

    This update reflects today’s rising medical and repair costs—the first such increase since 1967.

    Managing Costs and Finding the Right Coverage

    New drivers, including those recently licensed under AB 60, may initially face higher insurance premiums due to a limited driving record. However, California offers a solution: the California Low Cost Auto Insurance Program. This state-sponsored program helps eligible drivers—regardless of immigration status—secure affordable coverage and stay in compliance with state law.

    Staying insured also helps you avoid penalties, such as fines or vehicle impoundment, which can arise from driving without valid coverage.

    What If You’re Involved in a Car Accident?

    Getting into a car accident is stressful for anyone—but for undocumented immigrants, it may come with added anxiety. The good news: California law ensures that your immigration status does not affect your right to seek compensation after an accident caused by someone else’s negligence.

    At Avian Law Group, we protect the rights of all injured individuals, regardless of their background. Whether you’re facing an uncooperative insurance company or worried about medical expenses, we’ll stand by your side and fight for the compensation you deserve. And importantly, California provides protections against immigration enforcement actions related to personal injury claims—your legal rights come first.

    Talk to a California Personal Injury Lawyer Today

    If you’re unsure about your insurance options, your rights after a crash, or how to pursue a claim, Avian Law Group is here to help. Our legal team is available 24/7, and you won’t pay any legal fees unless we win your case.

    Call us today or contact us online to schedule your free consultation. At Avian Law Group, we’re committed to helping you move forward with confidence and peace of mind.

    Posted by

    Laura Delgado

    Laura Delgado is an accomplished digital marketing specialist at Avian Law Group. She brings with her a wealth of experience and a strong background in criminal justice and psychology, which has proven to be invaluable in her role at the firm. Laura’s exceptional leadership qualities and her ability to excel under pressure enable her to adapt to any situation and contribute significantly to the team.