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.
San Jose is one of the largest cities in the U.S. It is also one of the most car-oriented large cities in America, offering convenience and peril for San Jose drivers.
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.
Did You know? The average cost of San Jose car insurance is $213 per month.
No matter where you live, you shouldn’t overpay for car insurance.San Jose car insurance costs around $213 per month, which is much higher than the national average. 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.
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.
The driver who caused the accident, of course. Sometimes people decide to drive without purchasing car insurance, though. Approximately 15.2% many 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.
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:
Here are some examples of the types of drivers who are considered to be more likely to file a car insurance claim.
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.
Number of Auto Thefts in San Jose
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.
San Jose residents can find affordable car insurance. Simply talk to a Trusted Choice Independent Insurance Agent about getting quotes from multiple insurance companies.
Our local 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.