Compare Car Insurance in San Jose

San Jose, California is known as the das kapital of Silicon Valley. If you ’ re in the capital of Silicon Valley, it makes sense that you ’ five hundred use the internet to request cheap car insurance quotes .

Average San Jose Car Insurance Rates

How much is car indemnity in San Jose, CA ? It shouldn ’ deoxythymidine monophosphate come as a huge electric shock that car indemnity rates in San Jose are higher than both the department of state and national averages. The city has some of the nation ‘s worst dealings congestion and highest fomite larceny rates. This puts up imperativeness on policy premiums. The median cost of car policy in San Jose is $ 1,066.19 a year for men and $ 1,078.48 for women. The average price of car indemnity in California is $ 841.45 a year. The national average cost is $ 889.01 .
Prices vary depending on your driving history and the sum number of policy claims filed in your travel rapidly code .

San Jose Average Annual Car Insurance Rates
Coverage Men Women
Liability $496.76 $510.83
Collision $492.78 $492.67
Comprehensive $76.65 $74.99
Total Cost Per Year $1,066.19 $1,078.48
Price Per Month $88.85 $89.87
These average rates are based on our sample quote data. 1

The graph below shows the most late year California ‘s rate data is available. According to the III, California car insurance rates increased from $ 740 in 2011 to $ 841 in 2015, a jump of $ 101, or 13.66 percentage.

California average car insurance rates helps consumers compare quotes from national indemnity companies and local mugwump agents. Comparing quotes can help you find cheap car indemnity rates near San Jose, California and save up to 40 % on your premium .
last year, 14,580 people used to compare car indemnity quotes in San Jose, CA from multiple companies to find the lowest rates .

Best Car Insurance Companies in San Jose, CA

This is our list of the most coarse car insurance companies reported by users in San Jose, California last year. Of these users, 1,663 were uninsured when they requested a quote .
other democratic San Jose car insurance companies :, MetLife, Safeco, twenty-first Century, Country Financial, Allied, American Family, Infinity, and USAA .

Top 10 Vehicles

These are the most common car makes and models owned by San Jose, CA drivers requesting quotes through final year .

  1. Honda Accord EX/LX
  2. Honda Civic LX/EX
  3. Toyota Prius
  4. Toyota Camry LE/XLE/SE
  5. Ford F150
  6. Ford Mustang
  7. Toyota Corolla CE/LE/S
  8. BMW 328i
  9. Toyota Rav4
  10. Acura MDX

Minimum Car Insurance Requirements in San Jose, CA

San Jose, California drivers are required follow the 15/30/5 minimum liability coverage rule. This govern states that drivers must maintain policies that include at least :

  • Individual Bodily Injury Liability (BIL): $15,000.
    The total amount your insurance carrier will pay for one person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The most your insurance company will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The maximum your insurer will pay for property damage caused by a car accident.

San Jose Drivers

Allstate publishes an annual report entitled “ America ’ second Safest Drivers ”. This reputation ranks the 200 most populous US cities based on the frequency of accidents. San Jose, CA ranked 162nd out of 200. Most united states drivers go ten years without having an accident. however, drivers in the South Bay are involved in crashes every 7.3 years. This is 37 % higher than the national median .
Out of the 14,580 local drivers that used to request quotes last class, 1,296 or 8.8 % said that they had incidents on their drive phonograph record .

Driving Conditions

Factors that affect your car policy rates are the weather and road conditions.


San Jose enjoys a Mediterranean climate, with temperatures rarely getting excessively hot or excessively cold. The average high temperature during the summer months is only about 80 degrees, and the average lows in the winter rarely dip below 40 degrees. It about never freezes or snows. It ’ randomness besides dry, with an average of 301 cheery days every year and entirely 61 days with measurable precipitation, most of which occur in the winter .

Road conditions

Unlike the pleasant weather, the circumstance of San Jose roads is an obstruction to safe drive. According to a late study by TRIP, 64 percentage of the major roads here have pavement in poor people circumstance. Another 18 percentage of the roads are mediocre. These ailing maintained streets are costing San Jose drivers $ 983 a year in extra vehicle operate costs. These extra function costs are a aim result of driving on rocky roads that can damage cars .

Traffic Congestion

According to TomTom ‘s annual traffic index report, San Jose ranks fifth for worst traffic congestion in the United States. An average commuter spends an extra 40 minutes per hour stick in traffic during peak commute times and 152 hours a class for commutes of 30 minutes .

Moving Violations

Tickets and accidents go on your driving history. If you get adequate violations on your read, your indemnity company may change your condition from preferred to non-standard. This category reserved for bad drivers and it ‘s not brassy .

Traffic Tickets

The Superior Court of California County of Santa Clara traffic web site allows residents to pay traffic tickets, tells drivers how to contest tickets, and provides helpful traffic court information .

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Get a quote and comparison rates from local agents and top companies that specialize in San Jose DUI insurance .

Traffic Fatalities

San Jose experienced 60 motive vehicle fatalities in 2015. This works out to a fatality rate of 3.89 per 100,000 residents. Unlike vehicle thefts, vehicular fatalities hera are relatively rare .

Vehicle Theft Rates

San Jose Police recorded 7,075 fomite thefts in 2016. This is a rate of 6.89 per 1,000 city residents. This is an extremely high gear larceny rate compared to most US cities, and it leads to higher policy premiums .

Car Insurance Discounts

Are you looking for low-cost car indemnity ? Discounts are one of the best ways to lower your rates. These are some of the many car indemnity discounts available to drivers in San Jose, CA.

  1. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  2. Maintain at least a B grade point average in school to get the good student discount
  3. Live in a safe neighborhood with low crime and good drivers because the number of insurance claims filed in your zip code can affect your rates
  4. Drive less by living close enough to work and qualify for the low mileage discount
  5. Bundle your auto policy with your homeowners or renters insurance and you could save as much as 20%
  6. Take a defensive driving course from an accredited driving school

Rate Methodology

1 We compared rates from three different policy companies for 30-year-old male and female drivers with a 2010 Honda Accord. Our rate profiles have a clean drive record and drive less than 10,000 annual miles. coverage includes state liability minimal of 25/50/10 and 25/50/10 underinsured motorist coverage. Policies besides include $ 10,000 personal wound auspices and a $ 500 comprehensive and collision deductible .

Sources: LLC has made every campaign to ensure that the information on this locate is correct, but we can not guarantee that it is free of inaccuracies, errors, or omissions. All message and services provided on or through this web site are provided “ as is ” and “ as available ” for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this locate. You expressly agree that your use of this site is at your sole hazard .

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