San Jose is the center of Silicon Valley and the largest city in Northern California. It is a bustling community that is home to many young tech entrepreneurs, professionals and retirees. Also San Jose is one of the largest cities in the U.S, and one of the most car-oriented large cities in America. While the climate is dry and sunny most days, that does not prevent traffic congestion or other dangers during long commutes to and from work. Accidents can and do happen. San Jose residents need good, quality car insurance to protect them from the financial consequences of a mishap on the road.
With the help of a Trusted Choice® Independent Insurance Agent, San Jose drivers can find an auto insurance policy that tackles their unique risks and doesn’t break the bank. Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our search engine will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.
Cost of Car Insurance in San Jose
Did You know? The average cost of a San Jose car insurance policy is $1,643
No matter where you live, you shouldn’t overpay for car insurance. San Jose car insurance is higher than the national average of $1,311. If you think you are paying too much, it’s definitely time to shop around.
When you get a quote, your rates should take the following into account.
- The age, make and model of your car
- Your average annual mileage
With the help of a Trusted Choice agent, you can review quotes from multiple insurance companies and choose the one that offers the best coverage at the best price.
San Jose Car Insurance Requirements
- Bodily Injury Liability: $15,000 per person, $30,000 per accident required
- Property Damage Liability: $5,000 required
- Personal Injury Protection (PIP): Not required
Who Pays If The Accident Wasn’t My Fault?
The driver who caused the accident, of course. Sometimes people decide to drive without purchasing car insurance, though. Approximately 15.2% of California drivers are uninsured. If they cause a crash, the other drivers have to pay for their own car repairs and medical bills. That's why it’s a good idea to buy “uninsured motorist coverage.” It helps you pay for your own medical bills and car repairs if you are in an accident with an uninsured driver. Uninsured motorist coverage is required in some states. California has a high percentage of uninsured drivers, but the state does not require drivers to purchase this type of coverage.
What Affects The Cost of San Jose Car Insurance?
Where you live plays a significant role in how much you pay for car insurance. But that is not the only factor.
Your monthly San Jose auto insurance payment is based on how risky you are as a driver — or how likely you are to file a claim.
Insurance companies evaluate several of your individual risk factors, such as the following:
- Your age
- Your gender
- Your marital status
- Your address
- Your driving record
- The number of cars and drivers in your household
Here are some examples of the types of drivers who are considered to be more likely to file a car insurance claim.
- Teens and young adults
- Male drivers
- Unmarried drivers
- Drivers with a history of accidents or speeding tickets
- Drivers with these characteristics likely pay more for San Jose car insurance.
Here are some city factors that will affect your rate.
Simply put, the more time you spend on the road, the more likely it is that you'll be in an accident.
Drivers with longer daily commutes tend to pay more for car insurance. With longer-than-average commute times, some San Jose drivers can expect to pay more for car insurance than drivers in other cities.
- National average: 25.4 minutes
- San Jose average: 28.1 minutes
Number of Auto Thefts in San Jose
- National number of thefts for 1,000 vehicles: 2.28
- Number of thefts for 1,000 vehicles in California: 3.92
- Number of thefts for 1,000 vehicles in San Jose: 6.89
San Jose has a high auto theft rate compared to the U.S., overall. This is probably not good news for San Jose drivers, who probably pay more for car insurance. But your car can be stolen no matter where you live or work. To prevent theft and break-ins, always secure your vehicle and keep valuables hidden inside your car. Never leave your car running while unattended, and keep it locked — even in your own driveway. If you drive a car with an alarm or another anti-theft device, ask your insurance agent if you qualify for a special discount.
Find Affordable Car Insurance in San Jose
San Jose residents can find affordable car insurance. Simply talk to a Trusted Choice Insurance Agent about getting quotes from multiple insurance companies. Our local independent agents can find you quality, affordable policy options from reputable insurance companies so you can choose the option that best fits your needs and budget. Your agent will get to know you and your family and assess your risks so you can have peace of mind.