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Auto insurance in Chico, CA
Auto Insurance

Auto coverage built for California drivers

The right auto coverage for your life in Chico

California requires drivers to carry at least 30/60/15 in liability coverage — but that's rarely enough to fully protect you after a serious accident. At Kevin Baker Insurance Agency, we sit down with you to understand your specific situation: your vehicles, your commute, your family. Then we put together coverage that actually fits.

Our team brings over 100 years of combined experience to every conversation. We're here to help you understand your options and make a decision you're confident in.

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Coverage you can count on

Coverage that goes beyond the minimum

California's minimum liability limits are a legal floor — not a real safety net. We'll walk you through the full picture: liability, collision, comprehensive, uninsured motorist, and medical payments coverage.

  • Liability Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Uninsured/Underinsured Motorist
  • Medical Payments
  • Roadside Assistance
FAQ

Frequently Asked Questions

What are California's minimum auto insurance requirements?
California law requires all drivers to carry at least $30,000 per person / $60,000 per accident in bodily injury liability, and $15,000 in property damage liability. These limits were updated January 1, 2025. While these meet the legal minimum, they may not be enough to cover a serious accident — we'll help you evaluate whether higher limits make sense for your situation.
What's the difference between collision and comprehensive coverage?
Collision covers damage to your vehicle from a crash with another car or object. Comprehensive covers non-collision events: theft, vandalism, fire, falling objects, and weather damage. Both have separate deductibles and are optional in California (unless required by a lender).
Does my auto policy cover me if I drive for Uber or Lyft?
Standard personal auto policies exclude coverage during rideshare activity. Uber and Lyft provide some coverage while you have the app on and a passenger in the car, but there are gaps — particularly during the period when the app is on but you haven't accepted a ride. If you drive for a rideshare company, ask us about a rideshare endorsement.
How can I lower my auto insurance premium?
Common discounts include multi-policy bundling, a clean driving record, completing a defensive driving course, vehicle safety features, low annual mileage, and paying your policy in full. The best way to know what applies to you is to review your current policy together — we do that at no cost.
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