There are different levels of California auto insurance, depending on the amount of coverage you want. State law only requires you to carry the basic limits listed above. However, if you can afford it you should consider getting higher liability limits. Everyone knows that the cost of medical care has skyrocketed in recent years, and it's not hard for the damage from an auto accident to exceed those minimum limits. Get quotes on higher liability limits-you might not want to pay the extra premium, but it could make a big difference if you were in an at-fault accident. Different insurers offer different liability limits, but according to Allstate's website, the most common coverage levels in California are $100,000/per person, $300,000/accident, and $100,000 for property damage.