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California car-sharing platforms face higher insurance minimums under AB 2361
AB 2361, signed Sept. 27, raises required coverage to $250,000 per person, $500,000 per incident, and $100,000 for property damage, while capping the platform’s assumed liability.
California has updated its liability and insurance framework for car-sharing platforms via Assembly Bill 2361, signed Sept. 27, according to Insurance Business.
The law increases the minimum insurance that personal vehicle sharing programs must carry, replacing prior minimums tied to open-ended platform exposure. Under AB 2361, the required minimums move to $250,000 for bodily injury or death per person, $500,000 for all persons, and $100,000 for property damage.
AB 2361 also changes how liability is allocated: it removes the prior rule that platforms assumed all liability and were considered the vehicle owner for all purposes when a shared driver was behind the wheel, narrowing that responsibility to a capped framework.
The measure, authored by Assemblymember Blanca Pacheco, amends Insurance Code section 11580.24 and was chaptered as Chapter 601 of the 2026 session.