Cgi Benefits Group: Mclaughlin Ryan
5 Dartmouth Dr, Auburn, NH 03032
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5 Dartmouth Dr, Auburn, NH 03032
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Learn about insurance coverage options specific to Auburn residents.
Complete insurance guide for Auburn, California covering wildfire risks, FAIR Plan options, auto coverage on I-80, and 2026 laws. Get protected today.
As of January 1, 2025, California requires minimum liability coverage of 30/60/15—that's $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $15,000 for property damage. This applies to all California drivers, including those in Auburn. Your insurer automatically updated your policy to these new minimums when it renewed in 2025 or later.
California is an at-fault state, which means the driver responsible for an accident is liable for damages through their insurance. California also uses pure comparative negligence, so even if you're partially at fault, you can still recover damages reduced by your percentage of responsibility. This makes carrying adequate liability coverage crucial to protect your assets if you cause an accident.
Auburn's location along the I-80 corridor brings higher traffic volume, especially during winter weekends when skiers head to Tahoe. The Sierra Nevada foothills also mean potential winter weather impacts, and insurers factor in local accident rates and claims frequency when setting rates. That said, rates vary significantly between insurers, so shopping around is essential.
While California only requires liability coverage, comprehensive and collision are highly recommended for Auburn drivers. Comprehensive covers non-collision events like storm damage, falling debris, or animal strikes—all relevant in the foothills. Collision covers damage to your vehicle in an accident regardless of fault. If you're financing or leasing your vehicle, your lender will likely require both.
First, ensure everyone is safe and call 911 if there are injuries. Exchange insurance and contact information with the other driver, take photos of the accident scene and vehicle damage, and get contact information from any witnesses. Report the accident to your insurance company as soon as possible, even if you think you weren't at fault. In California's at-fault system, documentation is crucial for determining liability.
California drivers pay an average of $2,108 to $3,010 annually for full coverage, or $176 to $251 per month. Minimum coverage averages around $881 per year, though the 2025 increase in state minimums has pushed those costs up by as much as 54% for some drivers. Your actual rate depends on your driving record, age, vehicle type, and other individual factors, so it's best to get personalized quotes.
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