Driving down PCH in Huntington Beach, California requires more than just a good playlist—it requires a policy that meets the new state standards. Many Surf City drivers are still under the impression that the old 15/30/5 limits are enough. However, as of 2026, those limits are officially a thing of the past.
The Question: What is the new minimum insurance requirement for 2026? The Answer: To remain legal on the road, your policy must now carry 30/60/15 limits. This means $30,000 for bodily injury per person, $60,000 per accident, and $15,000 for property damage. With the high value of vehicles in Huntington Beach, California, meeting this new minimum is the bare necessity to protect yourself from a lawsuit.
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