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Does California Require PIP Auto Insurance?

Home / Insurance / Does California Require PIP Auto Insurance?
Does California Require PIP Auto Insurance?
Photo by Lala Miklós

California does not require drivers to carry personal injury protection (PIP) insurance. However, PIP can still be a valuable add-on coverage in California.

Table of Contents
  • What is PIP Insurance?
  • PIP Not Required in California
  • PIP Benefits and Limits
  • Is PIP Worth It?

What is PIP Insurance?

PIP pays for medical expenses for you and your passengers after an accident, regardless of fault. It may cover:

  • Doctor visits
  • Surgery
  • Physical therapy
  • Lost wages
  • Funeral costs

PIP provides benefits quickly without having to file a bodily injury liability claim.

02/05/2025 2:18 pm
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PIP Not Required in California

California is a “tort” state, meaning those at-fault for accidents are responsible for damages. Therefore, PIP is not mandatory in California like it is in no-fault states.

However, drivers can purchase PIP to supplement health insurance and get extra protection. Many insurers offer PIP as an optional add-on.

PIP Benefits and Limits

Typical PIP limits in California are $1,000 to $10,000. Higher limits provide more coverage but cost more in premiums.

Some insurers also offer enhanced PIP to cover home modifications, child care, and in-home support services.

Is PIP Worth It?

PIP can be beneficial for:

  • Drivers with inadequate health insurance
  • Passengers you want to protect
  • Added peace of mind

However, for some drivers, PIP may not provide enough value to justify the additional cost. Evaluate your specific needs.

Meta Description:

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Post Tags: #Auto Insurance#California
Steve Riley

Steven Reilly is a qualified mechanic and his passion for cars goes beyond just the technical aspects. He is also an amateur racer and all round car enthusiast. When he is not driving them, he can often be found in his garage under the hood of a rare model. Steven Reilly has lost track of the number of hours he has spent setting up his fine collection of rebuilt models. He believes that cars can provide a constructive and fun opportunity to teach the youth important life skills. In line with this, he is developing a community outreach program, potentially dubbed ‘Cars for change'.

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