Quick Answer
California uses pure comparative fault for auto accidents - both parties can be partially at fault. California minimums are dangerously low for a high-cost state. Earthquake insurance is worth considering near fault lines. Rent control areas exist near some bases.
California Navy Bases
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Naval Base San Diego
Highest BAH rates in the Navy
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NAS Lemoore
Strike Fighter home, Central Valley
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NBVC Point Mugu
Naval Base Ventura County
California Auto Insurance Requirements
| Coverage Type | California Minimum | Recommended for Military |
|---|---|---|
| Bodily Injury (per person) | $15,000 | $100,000+ |
| Bodily Injury (per accident) | $30,000 | $300,000+ |
| Property Damage | $5,000 | $100,000+ |
| Uninsured Motorist | Optional | Strongly recommended |
Critical: California's $5,000 property damage minimum is the lowest in the US. A fender-bender in San Diego can easily exceed this. Military members are personally liable for excess damages.
California-Specific Insurance Tips
- Earthquake insurance: Standard renters and homeowners policies exclude earthquake damage. California Earthquake Authority (CEA) provides separate coverage.
- Rent control: Several cities near bases (National City, San Diego) have rent control ordinances that affect military housing lease terms
- Wildfire risk: Some areas near NBVC and in the hills have wildfire exposure - confirm your renters policy includes fire
- California requires proof of insurance: Always carry your insurance card - California has strict verification requirements
Renters Insurance for California Sailors
- On-base housing managed by Lincoln Military Housing and Navy Housing offices
- Off-base in Chula Vista, National City: $15-$22/month standard renters coverage
- Near NBVC in Oxnard/Ventura: similar rates
- San Diego military families can access SCRA lease termination protections