Cheap Car Insurance in San Jose, California

San Jose was California's first state capital. It also became the capital of Silicon Valley, so it has been considered a pioneer city in two different aspects. With an average of 300 sunny days per year and an average temperature of 60 degrees, the climate is one of the city's most attractive benefits.

Driving Conditions In San Jose

Although most days are sunny, there are also storms and rain in San Jose. Streets are slick when it rains, and visibility is often poor during inclement weather. Traffic is also heavy during rush hours. Accidents are common and create delays. Residents of San Jose can check the CalTrans site for updated traffic reports and road closure information.

Unique Laws In San Jose

According to Villanova University, it is illegal to keep more than two cats or dogs in the city of San Jose. Also, California state law prohibits people from owning sloths, snails and elephants as pets.

Crime Statistics In San Jose

Statistics published by the FBI in 2012 show that there were 8,759 motor vehicle theft incidents in San Jose, and there were 28,463 property crime incidents that year. In 2010, the California Office of Traffic Safety reported a total of 3,588 auto accidents resulting in injuries or fatalities. From that number, 409 were alcohol related.

Safety Requirements In San Jose

California's vehicle codes require minors to wear helmets while riding bicycles. While adults are not required by law to wear them, it is strongly encouraged by the state's safety organizations. Texting or talking on the phone is against the law while driving, and this state law is strictly enforced in San Jose. Seat belts are also required by state law, and San Jose's law enforcement officers take the "Ticket Or Click It" campaign very seriously.

Impaired Driving Laws In San Jose

The California Highway Patrol office works with several programs designed to reduce drunk driving accidents and fatalities. The state has a zero-tolerance law for minors driving under the influence, which is why the BAC threshold for them is 0.01 percent. For adults, the BAC limit is 0.08 percent. A one-year license suspension is imposed for minors. The minimum suspension is four months for adults but may be longer depending on the facts surrounding the incident. Fines, jail sentences, classes and vehicle sobriety devices are all used as penalties. However, the penalty or combination of penalties depends on a person's record, age and the additional details of the incident.

Auto insurance is also required by law in California. Coverage is more affordable than most people think, so request a free quote to learn more.

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Car Insurance San Jose, California Agents

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  • Dipika Voraal

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    Sandra Stanger
    Desc


    181 Metro Dr Ste 290
    San Jose, CA 95110
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  • Aaa Insurance

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    5340 Thornwood Dr
    San Jose, CA 95123
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    Reviews

    We have been with AAA for at least 10 years, the have been the best insurance company we have ever had, in service and claims. Very helpful very dependable.

  • Al Olseen

    EDIT

    3267 S White Rd
    San Jose, CA 95148
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    Reviews

    Below is review from another person at yelp (it is filtered for some reason) and here is my review from yelp as well: pretty much the exact same complaints as the first review. But also Clare may seem nice but don't ever insinuate that she made a mistake, she'll become condescending and rude and she ALWAYS blames the regional office for mistakes and makes excuses that people are out.

    I have called regional (661) 663-5100 and they find that certain items not entered at all or incorrectly from local office--so it is a run around blame game but I have verified enough times to know that regional messes up on occasion but the vast majority of errors are local.

    Clare suppossedly cancelled my multi-car policy and the automated payment for said policy as I got tired of the bull and switched to another insurance company--loyal discount be damned because the consistent errors were not worth it.

    Well I followed up via email to make sure this was indeed done a couple of days later and she confirmed in email that they were cancelled.

    Two months later and no longer a State Farm customer, the day before a family trip, I get the nice surprise of almost $200 dollars being taken out of my account and cutting into my trip budget! Why? Because Clare only cancelled one car of the multi-car and never cancelled the automated payment!!!

    This and the below are NOT isolated incidents, they are common and like I said they will ALWAYS BLAME REGIONAL FOR THEIR MISTAKES WHICH NOT ONLY CAUSE INSANE DELAYS IN REIMBURSEMENT BUT ALSO STEAL YOUR MONEY UNLESS YOU OR REGIONAL CATCH THE ERROR!!

    STAY AWAY!!!



    Horrible customer service!! Don't respond to emails and don't get the quotes right. Everytime I get a car insurance bill I have to call them and they then have to straighten it out with Statefarm. Such a hassle! The agent John is particularly inept. If you have comparable rates anywhere else, please stay away from these guys.

    The most confusing and complicated billing ever.
    Staff is not helpful. Threaten their customers and are indignant about it when
    we were upset.

    We tried repeatedly to talk to Mr. Olseen to explain our position
    but were brushed off by the staff. Let there be no confusion
    The billing sucks most everywhere, but it was the staff 100%
    that pushed us away.

  • Alice Chan

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    2136 Ringwood Ave
    San Jose, CA 95131
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    Reviews

    This is one of the worst insurance experiences I've had with an agent. She never returns phone calls / voice mails nor responds to emails sent through the website. Her assistants try to be courteous on her behalf which was the only saving grace about my experience with her. All should avoid having her as an agent. She is discourteous, short with you on the phone and had no inkling of trying to help or see things from your perspective when there was a problem. Nothing was in good hands with her as an agent.

  • Alice M Chan

    EDIT

    2136 Ringwood Ave
    San Jose, CA 95131
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    Reviews

    This is one of the worst insurance experiences I've had with an agent. She never returns phone calls / voice mails nor responds to emails sent through the website. Her assistants try to be courteous on her behalf which was the only saving grace about my experience with her. All should avoid having her as an agent. She is discourteous, short with you on the phone and had no inkling of trying to help or see things from your perspective when there was a problem. Nothing was in good hands with her as an agent.

  • Alice M Chan (san Jose Main Office)

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    2136 Ringwood Ave
    San Jose, CA 95131
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    Reviews

    This is one of the worst insurance experiences I've had with an agent. She never returns phone calls / voice mails nor responds to emails sent through the website. Her assistants try to be courteous on her behalf which was the only saving grace about my experience with her. All should avoid having her as an agent. She is discourteous, short with you on the phone and had no inkling of trying to help or see things from your perspective when there was a problem. Nothing was in good hands with her as an agent.

  • Anjomi Insurance Insurance

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    835 Saratoga Ave
    San Jose, CA 95129
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    Reviews

    I am a repeat customer. Mr. chavez is very trustworthy and I highly recommend his services. Great customer service (care). Five Stars.

    I was happy with the down and payments. They work with you more then any insurance company out there. Wonderful Service.

  • Bozzuto & Associates Insurance Services

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    1 Almaden Blvd Ste 810
    San Jose, CA 95113
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    Reviews

    Finally found a great Insurance broker, good service and wonderful follow-up. They saved me money on a new insurance policy.....highly recommended.

  • Dan Bozzuto

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    1 Almaden Blvd Ste 805
    San Jose, CA 95113
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    Reviews

    Finally found a great Insurance broker, good service and wonderful follow-up. They saved me money on a new insurance policy.....highly recommended.

  • Paul Middleton Insurance Agency

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    1468 S De Anza Blvd
    San Jose, CA 95129
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    Reviews

    Hi Paul and SylivannI want to Thank you again for your good advice and good care during the lastn15 years. Shadow was not just car he was a Symbol of the All American MadenAutomobile and Teenage Ego's. He was the Mascot Car of a Program at SantanClara High School for At Risk Students. Students could earn a ride out tonlunch for earning a 3:00 GPA and when they got their Drivers License theyncould drive him to Lunch with me. nnShadow had a couple of scrapes during his tenure. He was Rear Ended,nT-boned when parked, and side swiped by an old man. State Farm was alwaysnthere for the rescue and repair. House of Miracle and Shadow developed anloving relationship and Russ always returned him just like new. But, thisntime and 80 foot Tree took him out for the count. Again, State Farm wasnthere with the necessary support. My nephew will turn 16 in August andnShadow was to be his companion. He will be missed. I am so glad he hadnsuch a caring and supportive team around himnwhile he was with us.nnnGratefully,nnSheri H

    Hi Paul and Syliva

    I want to Thank you again for your good advice and good care during the last
    15 years. Shadow was not just car he was a Symbol of the All American Made
    Automobile and Teenage Ego's. He was the Mascot Car of a Program at Santa
    Clara High School for At Risk Students. Students could earn a ride out to
    lunch for earning a 3:00 GPA and when they got their Drivers License they
    could drive him to Lunch with me.

    Shadow had a couple of scrapes during his tenure. He was Rear Ended,
    T-boned when parked, and side swiped by an old man. State Farm was always
    there for the rescue and repair. House of Miracle and Shadow developed a
    loving relationship and Russ always returned him just like new. But, this
    time and 80 foot Tree took him out for the count. Again, State Farm was
    there with the necessary support. My nephew will turn 16 in August and
    Shadow was to be his companion. He will be missed. I am so glad he had
    such a caring and supportive team around him
    while he was with us.


    Gratefully,

    Sheri H

  • Titan Auto Insurance

    EDIT

    1915 Alum Rock Ave Ste A
    San Jose, CA 95116
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    Reviews

    I went to this place becuause they offer good prices wich they do have but there customer service is the worst, I was sitting there for ever no one would notice me. They have a lot of posters talking about how customer service is valuable to them but that is a lot of bull S#!t there was a total 6 employers but actually only ONE was working, One employere by the name of Elida was on a personal call I could here her juicy gossip, one was sitting down but said she could not help me because she had already clocked out another one did not want to help me because she said she was waiting for a customer to bring her a money order and she was the one that ended up helping me in a bad way but helped me. Overall experience -3 of 10 will not be back there!!!!!!!!!!!!!!!!!! DO NOT GO THERE!!!!!!!!!! IF YOU ARE WILLING TO DEAL WITH THE BAD CUSTOMER SERVICE JUST TO GET A CHEAP PRICE TRY IT!

    Don't use this place! You will get helpful and gung-ho service right up until the point where they make the sale! After that if there are any problems, you are on your own. An agent made a mistake in regards to my banking info which ended up costing me a lot of money. No one at the office would help me resolve the issue, and my agent was conveniently on vacation and unable to help me. She was nice beforehand but when you work in a business like this it's very important to be detail oriented...which was not the case here. And a place that doesn't own their mistakes and try to resolve them is a BIG no-no! Take your business elsewhere.

  • Victor Quoc Tieu

    EDIT

    102 W Alma Ave
    San Jose, CA 95110
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    Reviews

    and the place looks like a chinese restaurant

  • Abraham Varghese
  • Adesh Kumar
  • Adrian S Moreno
  • Al Chavez
  • Aladdin General Insurance Agency
  • Alan Gawkasem
  • Alex Medina
  • Ali Danesh
  • All Coverage Insurance Agency
  • All Drivers Insurance
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  • Amanda Carolyn Nguyen
  • Amar Sehgal
  • Amila Insurance Services
  • Andy Pham
  • Angela Chen
  • Anh Vu
  • Annie Dang
  • Anthony Mangiameli
  • Anthony Nguyen
  • Anwar Mattu
  • Archway Insurance Brokers
  • Art Holland
  • Astoria Insurance Brokerage
  • Atlantida Insurance Services
  • Baljeet Gill
  • Barlocker Insurance Services
  • Bay Area Fire & Casualty Insurance
  • Ben Cendana
  • Benson Ng
  • Bernard G Mille
  • Bernie C Vallejo Jr
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  • Bill Wunder
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  • Binh Nguyen
  • Bipin Kapadia
  • Bob Fillhouer
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  • Bruce Ha
  • Burch Boehner
  • California Southwestern Insurance
  • Campus Insurance Service
  • Care Insurance Agency
  • Carlo Brusaschetti
  • Carolyn Andel
  • Carynell Insurance Services
  • Casualty One Insurance Services
  • Catherine Hamilton
  • Cathy Moran
  • Cbiz Insurance Services
  • Cheng Chou Ma
  • Cliff Decosta
  • Coast Auto Insurance Services
  • Coast Auto Insurance Services
  • Community Insurance Agency
  • Cost Insurance Services
  • Cost-u-less Insurance Center
  • Curtis Ford
  • Cya Insurance Agency
  • Cya Insurance Agency
  • Cya Insurance Agency
  • Dan Davis
  • Dana Zhang
  • Daniel Elgin
  • Daniel Rosenberg
  • Daniel T Araia
  • Dashers Insurance Services
  • David Castillo
  • David L Towle Insurance
  • David Mccoy
  • David Zacher
  • Dean Millsap
  • Deborah Brown
  • Dempsey Insurance Service
  • Denise Wang
  • Dennis Bane
  • Dennis Mesic
  • Dennis Stroup
  • Dennis Wei
  • Derrick Wong
  • Dick Alesch
  • Dipika Vora
  • Dipika Vora
  • Dominik Caloiaro
  • Don Vincent Desando Insurance Services
  • Donald Sanders
  • Donald Wilson
  • Doug Kim
  • Douglas Noh
  • Dwight Henderson Johnson Agency
  • Ed Rodrigues
  • Edmond Stoll
  • Edward E Campbell Insurance
  • Edward Earl Campbell Sr
  • Edwin Higashi
  • Egca Insurance Services
  • Eleanor Ascencio
  • Elizabeth T Agustin
  • Emil Scalia
  • Erin M Logan
  • Erlinda Moreno
  • Ethan Allen
  • Ez Coverage Insurance Services
  • Fareh Khalid
  • Farmers Insurance Group
  • Farmers Insurance Group
  • Fiesta Auto Insurance Center
  • Filice Commercial Insurance Services
  • Fiorentino Insurance Agency
  • Frank Alamillo
  • Frank Pham
  • Frank Shao
  • Fred Chen
  • Freddy Bermudez
  • Gabriel Plasencia Sr
  • Gail Randolph
  • Gail Troy
  • Gairaud Insurance Agency
  • Garland Sturges & Quirk Insurance
  • Gary Farfan
  • Gary Sanchez
  • Gatewood Insurance Agency
  • George Homer
  • Golden Capitol Insurance Agency
  • Golden Capitol Insurance Agency
  • Greg Goodman
  • Greg Landers
  • Gregory Wong
  • Gurmeet Gill
  • H & H Huntington Insurance Agency
  • Hall & Rambo Insurance
  • Harjot Khalsa
  • Harry Nguyen
  • Hayne Goh
  • Heckman Financial & Services
  • Heidi Shigematsu
  • Henry Kalisiak
  • Hieu Truong
  • Ho Quang Nhut Insurance Agency
  • Hong Chu Trang
  • Huckaby Insurance Services
  • Huey Chan Jeng
  • Humberto Flores
  • Inspro Agents & Brokers Insurance
  • Inspro Agents & Brokers Insurance Services
  • Iris Wise
  • Isu - Cheung Agency
  • Jack Gilbert
  • Jack Healey Insurance Agency
  • Jae Lee
  • Jaime Ulloa
  • James Bertholf
  • James Duran
  • Jayal Fernando
  • Jeff Senigaglia
  • Jeff Sloan Cltc
  • Jeffery Sundquist
  • Jeffrey Wong
  • Jennifer C Saye
  • Jeong Pak
  • Jesse Perez
  • Jim Edington
  • Joanne Vo
  • Joanne Vo
  • John Danen
  • John Hong
  • John Lee
  • John Lozon
  • John Oneill
  • John Williams
  • Johnny Tam Insurance Services
  • Jose Manabat
  • Joseph Do
  • Joseph Jabr
  • Joseph Rich Garcia
  • Karl Brajenovich
  • Kathy Reinheimer
  • Keith Miller
  • Kennedy Insurance Agency
  • Kenneth Moreno
  • Kevin Crowley
  • Kevin Keating
  • Kevin Truong
  • Kiet Huynh
  • Kim Xuan Nguyen
  • Kimloan Nguyen
  • Kirk Scolari Insurance Agency
  • Kirk Stoddard
  • Kristin Findley
  • Kyle Yu Chin Chuang
  • Lam Insurance Agency
  • Lan Nguyen
  • Larry Ho
  • Larry Krieger
  • Larry Lee
  • Laura Aguilera
  • Leonard & Leonard Insurance Agency
  • Liem Vu
  • Lien E Tu
  • Linh Ngo
  • Lisa Yen
  • Lisa Yen
  • Loc Phan
  • Lords Insurance Agency - San Jose
  • Luis Delgadillo
  • Lydia Ng
  • Man Hoang
  • Manjit Singh
  • Manson Insurance Agency
  • Mari S Quinlan
  • Marina Insurance Services
  • Mark De Sando
  • Mark Loeffler
  • Mark Rizzo
  • Mary Barnard
  • Matt Gallaway
  • Maureen Keenan
  • Maurice Tofig
  • Mc Romero Insurance Agency
  • Metrowide Insurance Services
  • Mg Insurance & Financial Services
  • Michael Dunne
  • Michael Fiamingo
  • Michael Guarino
  • Michael Kim
  • Micheletti & Associates Insurance Services
  • Michiko Salisbury
  • Mike Keirstead
  • Mike Murillo
  • Mike Pan
  • Mission Counties Insurance Agency
  • Mohammad Parandian
  • Momentum Insurance Services
  • Mona Torres
  • Monica Rodriguez
  • Nature Insurance Agency
  • Nga Truong
  • Ngoc Dang
  • Nielson Byers
  • Oasis San Jose Insurance Services
  • Oasis San Jose Insurance Services
  • Oasis San Jose Insurance Services
  • Om Insurance Services
  • One Stop Services
  • Pacific Interstate Insurance Brokers
  • Pamela Farrington
  • Paul Butters
  • Paul Croul
  • Paul Curiel
  • Paul Nguyen
  • Pentaguard Insurance Services
  • Peter Chee
  • Peter Molinari
  • Peter Nguyen
  • Phan Le
  • Php Insurance Service
  • Phuong Tran
  • Pierre Apan
  • Pioneer Western Agency
  • Pirie Jensen
  • Pna Insurance Agency
  • Preeti Sehgal
  • Professional Insurance Associates
  • Professional Insurance Associates
  • Professional Insurance Associates
  • Rachel Bhan
  • Rachel Oster-payne
  • Ramond G Hammersley Insurance
  • Randall Talley
  • Ranjeet Gill
  • Redline Insurance Services
  • Reed Sparks
  • Registration Insurance Services
  • Ricardo Gonzalez
  • Richard De La Rosa
  • Richard Dunne
  • Richard Hensel
  • Richard Joseph Salciccia
  • Richard Santana
  • Rick Nguyen
  • Robert Love
  • Robert Varich
  • Robyn Akin Dequine
  • Rod Hill
  • Roger Nguyen
  • Roger Tuma
  • Ron Allen
  • Ron Merz
  • Ronald Crowder
  • Rose Mary Nunes
  • Ruben Villanueva
  • Rudy Buitrago
  • Rvis Insurance Agency
  • Saigon Insurance Service Center
  • Salar Baktash
  • Sammy Lee
  • Sanfilippo & Sons Insurance Services
  • Santos Aranda
  • Sara Hoey
  • Sonny Vu
  • Sorci Insurance Agency
  • Souny Sinwongsa Phi & Associates Insurance Agency
  • Stan Petrich
  • Stephanie Vo
  • Stephen Chelbay Company
  • Stephen Peacock
  • Steve Harrington
  • Steve Sosnowski
  • Steve Wallraven
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  • Suhr Risk Services Of California
  • Sung Ho Chong
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  • Tam Phan
  • Tami Pratt
  • Tammy Nguyen
  • Teifeld & Company Insurance Services
  • Teketel Mulugeta
  • Terry Shangreaux
  • Thachvu Ho
  • The J Morey Company
  • Thelma Fedrick
  • Thien Trang
  • Thomas Gurske
  • Thomas Huynh Insurance Brokers
  • Thomco Insurance
  • Thu Nguyen
  • Thuy-sabrina Ngo
  • Timothy Heyen-reilly
  • Tin Nguyen
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  • Tom Serna
  • Tony Tran
  • Tracy Nguyen
  • Trang Nguyen
  • Tremelle Moore
  • Tuan Lu
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  • Uico Insurance Services
  • Valentine Deleon
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  • Van Le
  • Vance Insurance Service Center
  • Victor Ly
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  • Wayne Hopp
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  • Nina Szymborski
  • Ramiro Cassone
  • Lacey Wiesehan
  • Annette Dettman
  • Elaine Griffes
  • Henry Yotter

Auto body shops San Jose, California

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

Savings Tip

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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