Many people wonder if undocumented immigrants can legally obtain car insurance in California. The short answer is yes. In fact, the law not only allows but requires all drivers, including undocumented immigrants, to be insured if they wish to drive on California roads.

If you ever find yourself injured in a car accident or dealing with pushbacks from insurance companies, you can reach out to our Los Angeles personal injury lawyers for guidance. We offer a free initial consultation, and we only charge fees if we win your case. Contact us today to schedule a consultation.

Why Does California Allow Undocumented Immigrants to Obtain Car Insurance?

California wants safer roads and fewer uninsured motorists. Assembly Bill 60 (AB 60) helps achieve this goal by letting undocumented immigrants apply for a valid driver’s license if they meet all the other requirements, such as proving their identity and showing proof of residency in California. Once a driver has an AB 60 license, they can buy car insurance from any provider in the state. This not only protects the driver but also helps ensure that other motorists are covered if an accident occurs.

Are There Specific Auto Insurance Requirements?

California’s auto insurance requirements are set by California Insurance Code §11580.1b, which currently mandates minimum liability coverage of fifteen thousand dollars for injury or death to one person, thirty thousand dollars for injury or death to more than one person in an accident, and five thousand dollars for property damage.

Undocumented drivers, like everyone else in California, must meet these same standards. Insurance companies cannot refuse coverage based on immigration status, and many will accept an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number.

It is important to know that these requirements are about to change. Senate Bill 1107, which was signed into law in September 2022, will increase the minimum liability limits effective January 1, 2025. After that date, drivers will need at least thirty thousand dollars in coverage for injury or death to one person, sixty thousand for injury or death to more than one person, and fifteen thousand for property damage. This marks the first update to California’s minimum auto insurance limits since 1967, reflecting the higher costs of medical care and vehicle repairs in today’s economy.

How Do You Manage Costs and Coverage Options?

Some newly licensed drivers face higher premiums due to limited driving history. Still, there are ways to find more affordable rates. California’s Low Cost Auto Insurance Program is available for those who need assistance paying for coverage. Undocumented immigrants who meet the eligibility requirements can apply, giving them a chance to maintain the insurance needed to comply with state law. Maintaining proper coverage also saves you from the risk of heavy fines or vehicle impoundment if you are ever stopped.

What Happens If You Are in a Car Accident?

Even with valid insurance and a driver’s license, an accident can lead to stress and confusion, especially if you are also worried about your immigration status.

If you are injured due to someone else’s negligence, you have rights. In addition, California law protects undocumented persons from immigration enforcement actions after an accident. At Banafshe Law Firm, PC, we stand up for injured clients every day and fight for full and fair compensation. Your status should never stop you from seeking justice. Whether you face unhelpful insurance adjusters or fear large medical bills, we can guide you through the process and protect your interests.

Our California Personal Injury Lawyers Can Help

If you have questions about getting insured, handling an accident claim, or understanding your rights, call our personal injury lawyers at 855-637-0938 or contact us online. We are available 24/7 and will only collect legal fees if we win your case. We pride ourselves on providing the best possible representation so you can focus on moving forward with peace of mind.