California’s AB 60 law lets eligible residents get a driver’s license regardless of immigration status, and it comes with the same auto insurance requirements every other driver in the state must follow. Since taking effect in 2015, AB 60 has helped more drivers get licensed and insured, which makes roads safer for everyone. Here’s what the law means for you and how to stay covered.
What Is AB 60?
AB 60, also known as the Safe and Responsible Driver Act, was passed in 2013 and took effect on January 1, 2015. Under the law, California must issue a driver’s license to anyone who passes the required tests and meets residency requirements, even without proof of legal U.S. presence.
An AB 60 license looks like a standard California license but includes the words “Federal Limits Apply.” It allows you to drive legally within the state, though it isn’t valid for federal purposes like boarding a flight or entering certain federal buildings. To apply, you’ll need to prove your identity and California residency, pass the written and driving tests, and show proof of insurance, just like any other applicant.
California’s Auto Insurance Requirements for All Drivers
Getting licensed under AB 60 comes with the same auto insurance requirements as any other California driver’s license. Every vehicle you operate, including the one used for your driving test, needs coverage.
As of January 1, 2025, California raised its minimum liability limits for the first time since 1967. Drivers must now carry at least $30,000 in bodily injury coverage per person, $60,000 per accident, and $15,000 in property damage liability. This is often written as 30/60/15.
These limits apply to every licensed driver in the state, regardless of how they obtained their license. Carrying at least the minimum protects you financially if you cause an accident and are found responsible for another driver’s injuries or property damage. Many drivers choose to carry higher limits than the state minimum for extra peace of mind, especially if medical costs or vehicle repairs run higher than expected.
Affordable Coverage Through the CLCA Program
Meeting the state’s auto insurance requirements doesn’t have to be expensive. California’s Low Cost Auto (CLCA) Insurance Program offers reduced-rate liability coverage to income-eligible drivers, and it’s open to all California residents regardless of immigration status.
CLCA policies provide $10,000 in bodily injury coverage per person, $20,000 per accident, and $3,000 in property damage liability. Those limits are lower than the standard minimum, but the state allows the exception specifically to help eligible drivers stay legally insured. To qualify, you generally need a valid California driver’s license, a vehicle worth $25,000 or less, a clean driving record, and household income within the program’s limits.
The Risks of Driving Without Coverage
Skipping insurance isn’t worth the risk. Any driver caught operating a vehicle without coverage in California can face fines, court fees, and in some cases, a suspended license or vehicle registration. Reinstating a suspended license or registration comes with its own fees on top of the original penalty.
Beyond the legal consequences, driving uninsured means you’re personally responsible for another driver’s medical bills and repair costs if you cause an accident. Meeting California’s auto insurance requirements protects both your finances and everyone else on the road.
Whether you’re newly licensed under AB 60 or simply reviewing your current policy, understanding California’s auto insurance requirements is the first step toward driving with confidence. At AIS Insurance, our specialists can help you find affordable coverage that fits your situation, including options through the CLCA program if you qualify. Give us a call at (888) 772-4247 for a free, personalized quote, and let’s get you properly covered on California roads.
The information in this article is obtained from various sources and offered for educational purposes only. Furthermore, it should not replace the advice of a qualified professional. The definitions, terms, and coverage in a given policy may be different than those suggested here. No warranty or appropriateness for a specific purpose is expressed or implied.
