California auto insurance law 2025 is undergoing a major change with SB 1107, which takes effect January 1, 2025. This legislation increases the state’s minimum liability limits from 15/30/5 to 30/60/15—giving Los Angeles and Burbank accident victims stronger financial protection in car crash cases.
This article breaks down what SB 1107 means for drivers, how it affects your personal injury claim, and how ANTN LAW can help you navigate the updated legal landscape.
Senate Bill 1107, also called the “Protect California Drivers Act,” was signed into law in 2022 and officially goes into effect January 1, 2025. It increases California’s auto insurance minimum coverage to:
This is the first increase since 1967, and it represents a significant shift in California auto insurance law 2025.
In cities like Los Angeles and Burbank, where the cost of medical treatment and vehicle repairs is high, these new limits can make a critical difference. The prior minimums often left victims severely undercompensated for medical bills and lost wages. Under the new California auto insurance law 2025, there’s more funding available through the at-fault party’s insurer to cover your damages.
While this law benefits crash victims, it also raises insurance costs for many drivers. Industry experts expect an average increase of $80–$400 per year. Many drivers in Los Angeles have already started shopping for competitive quotes and bundling policies to offset the cost increase.
Still, when you compare the potential out-of-pocket costs after an accident, especially with a personal injury claim, the benefits of increased liability coverage are clear.
If you file a personal injury claim in 2025 and the at-fault driver carries the minimum required policy, you’ll now have up to $30,000 available per person in bodily injury compensation. This helps cover hospital stays, ambulance fees, physical therapy, and lost wages. Victims in Los Angeles and Burbank stand to benefit the most, as local healthcare costs and traffic injury rates remain high.
ANTN LAW, led by Los Angeles personal injury attorney Arpine Navasardyan, is closely monitoring how SB 1107 will affect insurance litigation. If you or a loved one is injured in an accident in Los Angeles or Burbank, our firm can help you understand your rights and pursue fair compensation.
We specialize in motor vehicle accidents and personal injury claims and offer discreet, aggressive legal advocacy. Schedule your free consultation today.
SB 1107 is a California law that raises the minimum auto insurance liability limits starting in 2025. It was designed to better protect accident victims and reduce out-of-pocket expenses.
January 1, 2025. The new coverage minimums apply to all policies issued or renewed on or after that date.
Yes, many drivers will see premium increases ranging from $80–$400 annually. However, this added cost results in stronger protection for both drivers and accident victims.
Your uninsured motorist (UM/UIM) coverage will come into play. Under SB 1107, those minimums also increase to match the 30/60 bodily injury limits.
The increased limits mean there’s more coverage available from the at-fault party’s insurer, helping you recover more for medical costs, pain and suffering, and wage loss.
Yes. You can sue the at-fault driver personally, though recovering beyond insurance can be more difficult. This is why many people also carry UM/UIM coverage beyond the minimums.
You can view the full text of SB 1107 on the official California Legislative Information site here: SB 1107 Full Text.
