Banning has had its own police force since shortly after its 1913 incorporation, and the Beaumont, Palm Springs, Cathedral City, and Desert Hot Springs Police Departments also provide assistance in a major emergency. The city is also aided by the California Highway Patrol out of the Beaumont regional station. The overall crime rate in Banning is 9% lower than the national average, and property crime is 25% lower than the state average, and 21% lower than the national average. Low crime rates will positively affect insurance costs, lowering your auto insurance premiums to match the low risk of theft or property damage.
Banning Insurance RequirementsAll California state residents are required to have the basic liability insurance coverage in the following limits:
- $5,000 of property damage liability per incident
- $15,000 of bodily injury liability per person
- $30,000 of bodily injury liability per incident
The minimum coverage may be all the law requires, but Banning has a large population of higher income residents, and lots of traffic. This can put you at risk for more than what is covered by just liability. Car repairs and towing can quickly wipe out your savings, so consider adding these options for the best cheap car insurance Banning can provide.
- Towing and labor
- Rental reimbursement
- Uninsured motorist bodily injury