Auto Insurance in California
California drivers need auto insurance that meets state financial-responsibility rules and fits how the household actually uses the car. ESI Insurance Brokers is an independent San Francisco property and casualty broker — Express Service Insurance Agency, Inc. dba ESI Insurance Brokers, at 2085 Van Ness Avenue — that helps individuals and households review personal auto coverage and request quotes. We are a broker, not a carrier.
Start a quote with the California auto quote form or use the Get a Quote hub. Root is one auto market we can discuss; it is not the only market, and availability depends on the driver, the vehicle, and underwriting.
Who this coverage is for
Personal auto is for people who own or regularly drive a private passenger vehicle in California: a single driver, a household with more than one car, someone adding a new or used vehicle, a driver shopping at renewal, or a household that needs to confirm liability limits after a change in the family. Commercial auto for business vehicles is a different product; use Get a Quote and select commercial auto if that is the risk.
- Individual California drivers
- Households with multiple vehicles or listed drivers
- New or replacement vehicle owners
- Drivers reviewing renewal pricing, deductibles, or limits
What California auto insurance typically addresses
California requires liability insurance that meets current state minimums. For private passenger policies issued or renewed on or after January 1, 2025, those minimums are $30,000 bodily injury per person, $60,000 bodily injury per accident, and $15,000 property damage per accident (often written 30/60/15). Minimum limits are a legal floor, not a recommendation for every household. A serious injury claim can exceed 30/60/15.
A personal auto policy may also include:
- Bodily injury and property damage liability for injury or damage you cause
- Uninsured and underinsured motorist coverage, which matters in California because another driver may carry only minimum limits or none
- Collision coverage for damage to your vehicle from a crash
- Comprehensive coverage for non-collision losses such as theft, vandalism, or certain weather and fire events, subject to the policy
- Medical payments or other first-party options where offered
Exact coverages, exclusions, and deductibles are in the policy. Independent brokers shop among markets; they do not guarantee a specific premium, a specific carrier, or that every driver will qualify.
California notes
Proof of insurance is part of California vehicle registration and driving. If the household has a young driver, an SR-22 filing, a lapse, or a vehicle used for delivery or business, say so on the quote form so the submission matches the exposure. Comprehensive and collision are optional for many owners but are often required by a lender or lessor.
ESI Insurance Brokers is licensed in California (agency 0G83954; producer Daniel Masarsky 0D87510). Office: 2085 Van Ness Avenue, San Francisco, CA 94109. (415) 440-5136. broker@insurance415.com.
Frequently asked questions
What auto liability limits does California require?
For private passenger policies issued or renewed on or after January 1, 2025, California’s minimum liability limits are 30/60/15. Higher limits are available and are worth reviewing if you have assets to protect or drive in dense Bay Area traffic.
Is Root the only auto market you work with?
No. Root is one auto market. An independent broker can discuss Root and other markets depending on the driver and the vehicle. Start with the auto form or Get a Quote.
How do I start a California auto quote with ESI?
Use the auto quote form or go to Get a Quote and choose Auto Insurance. You can also call (415) 440-5136 or use Contact.
