Because you live in California, you’re not required to have it. The coverage I do recommend, however, is liability limits at 100/300/100, uninsured motorist coverage, and depending on the value of your vehicle, collision and comprehensive coverage. Most insurance experts advise that if your vehicle is worth more than $4,000, you should consider adding these coverages. You can determine the value of your vehicle through Kelley Blue Book and NADA online. Best of luck.