{"id":32604,"date":"2021-08-12T07:49:02","date_gmt":"2021-08-12T14:49:02","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=32604"},"modified":"2023-11-03T15:10:57","modified_gmt":"2023-11-03T22:10:57","slug":"san-jose","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/california\/san-jose\/","title":{"rendered":"Car Insurance in San Jose"},"content":{"rendered":"<section class=\"c-section  \" id=\"default-block_de863d59c3d7dedc90bfba030cc3f5ec\">\n    <div class=\"o-wrapper \">\n        \n                            <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\">Known as the capital of Silicon Valley, San Jose is the largest city in Northern California with one of the country\u2019s highest living costs. People are drawn there because of the area\u2019s beautiful mild weather and abundance of job opportunities.<\/p>\n<p style=\"text-align: left;\">If you know the way to San Jose, make sure you have the proper <a href=\"https:\/\/www.freeway.com\/auto-insurance\/\">car insurance<\/a> to get you there.<\/p>\n<h3 style=\"text-align: left;\">Quick Facts<\/h3>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>The average cost of car insurance in San Jose is $1,645.<\/li>\n<li>Insurance companies can\u2019t consider gender or credit scores when determining your rate for auto insurance in San Jose.<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section \" id=\"tables-block_af7a111b781034afcc596e704f7dddcb\">\n    <div class=\"o-wrapper Default\">\n                    <h2 class=\"c-section__title\">How Much Does Car Insurance Cost in San Jose?<\/h2>\n                            <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p class=\"FirstParagraph\">Car insurance is more affordable in San Jose than it is in the rest of the state of California. Drivers pay an average of $1,645 per year for car insurance in San Jose. That\u2019s over 16% less than the state average of $1,974 and about 6% above the national average of $1,548.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>City<\/th>\n                                                                                            <th>Average Car Insurance Cost<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>Los Angeles<\/td>\n                                                                                            <td>$2,422<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Sacramento<\/td>\n                                                                                            <td>$2,004<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>San Diego<\/td>\n                                                                                            <td>$1,692<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>San Francisco<\/td>\n                                                                                            <td>$2,169<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section \" id=\"tables-block_081964caa6d1be9ce96fefb1b23ad49d\">\n    <div class=\"o-wrapper Default\">\n                            <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">San Jose Car Insurance Rates by Zip Code<\/h3>\n<p>The zip code you live in can impact how much your car insurance will cost. There are 59 different zip codes in San Jose, and each one can be subject to different auto insurance rates. Other factors about the zip code area, such as the number of accidents or car thefts, also affect the car insurance rates.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>Zipcode<\/th>\n                                                                                            <th>Average Premium<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>95112 <\/td>\n                                                                                            <td>$2,065<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>95101 <\/td>\n                                                                                            <td>$1,916<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>95120 <\/td>\n                                                                                            <td>$1,718<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>95110 <\/td>\n                                                                                            <td>$1,925<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>95113 <\/td>\n                                                                                            <td>$2,125<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>95132 <\/td>\n                                                                                            <td>$1,863<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>95139 <\/td>\n                                                                                            <td>$1,699<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section \" id=\"tables-block_7ece35e032158fb89d1da92d95758cbd\">\n    <div class=\"o-wrapper Default\">\n                            <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">San Jose Car Insurance Rates by Age<\/h3>\n<p>Your age is a significant determining factor in how much you\u2019ll pay for car insurance in San Jose. Teenagers who\u2019ve just gotten their driver\u2019s license will have to pay almost three times as much as drivers in their 20s, 30s, 40s, and 50s. Drivers older than 70 will also have to pay about $279 more for car insurance than they did when they were in their 60s.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>Age<\/th>\n                                                                                            <th>Average Premium<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>Teenagers <\/td>\n                                                                                            <td>$6,922<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>20s <\/td>\n                                                                                            <td>$2,764<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>30s <\/td>\n                                                                                            <td>$1,812<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>40s <\/td>\n                                                                                            <td>$1,754<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>50s <\/td>\n                                                                                            <td>$1,678<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>60s <\/td>\n                                                                                            <td>$1,677<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>70s <\/td>\n                                                                                            <td>$1,956<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_9304e2a3cda0c1234f1767ec67b7bf08\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Driving Conditions in San Jose<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">How Many Fatal Accidents Happen in San Jose?<\/h3>\n<p>In San Jose, 60 people died in traffic accidents in 2019, and 45 died in 2020. Most of the deaths occurred on six streets that the city deemed dangerous and needed improvement.<\/p>\n<p>In 2015, San Jose adopted its <a href=\"https:\/\/www.sanjoseca.gov\/your-government\/departments-offices\/transportation\/safety\/vision-zero\" target=\"_blank\" rel=\"noopener\">Vision Zero<\/a> policy to eliminate traffic death on city streets by 2024. The city\u2019s plan includes redesigning 56 miles of roads known as the \u201chigh injury network.\u201d<\/p>\n<h3 style=\"text-align: left;\">How Are the Road Infrastructure and Bridges in San Jose?<\/h3>\n<p>According to the <a href=\"https:\/\/infrastructurereportcard.org\/state-item\/california\/\" target=\"_blank\" rel=\"noopener\">American Society of Civil Engineers (ASCE)<\/a>, California roads are among the worst in the nation. The ASCE gives California a D grade on its street and roadway infrastructure. Although the state\u2019s Road and Repair Accountability Act (SB 1) provided $52 billion in funds for local and state roads from 2017-2027, the organization estimates that more than $130 billion is needed to bring the system back to a state of good repair.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_dc705fb3dd65d0f42051572899934b97\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Minimum Car Insurance Requirements in San Jose<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>California has one of the lowest requirements for minimum <a href=\"https:\/\/www.freeway.com\/auto-insurance\/california\/liability\/\">liability coverage<\/a> drivers are required to carry for car insurance.<\/p>\n<p>The state minimums for <a href=\"https:\/\/www.freeway.com\/auto-insurance\/california\/\">car insurance coverage in California<\/a> are:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>$15,000 for Bodily Injury Liability per person<\/li>\n<li>$30,000 for Total Bodily Injury Liability<\/li>\n<li>$5,000 for Property Damage Liability<\/li>\n<\/ul>\n<p>California doesn\u2019t require drivers to carry comprehensive or collision insurance. The state also allows drivers to forgo standard insurance from an insurance company if they have any of the following:<\/p>\n<ul>\n<li>A cash deposit of $35,000 with DMV<\/li>\n<li>DMV-issued self-insurance certificate<\/li>\n<li>Surety bond for $35,000 from a company licensed to do business in California<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_f2256956d1ef8e53523e83c8ef79592b\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Factors Allowed in San Jose Car Insurance Rates<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>Your gender can not be a factor in determining your rates for car insurance in San Jose or the rest of California. Insurance companies also can\u2019t consider your credit score when determining your rate.<\/p>\n<p>Things that can affect your car insurance rates in San Jose include:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>Age<\/li>\n<li>Driving history<\/li>\n<li>Car type<\/li>\n<li>Zipcode<\/li>\n<li>Marital status<\/li>\n<li>Education<\/li>\n<li>Occupation<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_24737547b8f2e38a5f80f6b437ca6782\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Discounts for Car Insurance in San Jose<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p class=\"FirstParagraph\">If you\u2019re a good driver, then you\u2019re in luck. <a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=INS&amp;sectionNum=1861.02.\" target=\"_blank\" rel=\"noopener\">California law<\/a> mandates that good drivers receive a 20% discount on car insurance rates. The qualifications for the <a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/11-money-saving-tips-lower-auto-insurance-premiums\/\">Good Driver Discount<\/a> are:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>You\u2019ve been a licensed driver for the past three years.<\/li>\n<li>You have no more than one driving point on your record in the last three years.<\/li>\n<li>You haven\u2019t taken traffic school because of traffic violations.<\/li>\n<li>You haven\u2019t had an at-fault accident that caused injury or death.<\/li>\n<li>You don\u2019t have any DUIs or other alcohol-related convictions.<\/li>\n<\/ul>\n<div id=\"gtx-trans\" style=\"position: absolute; left: 29px; top: -10px;\">\n<div class=\"gtx-trans-icon\"><\/div>\n<\/div>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_8fe5d1b1e28fca1c000b41cc451b8b24\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What Are the Penalties for Driving Without Insurance in San Jose?<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p><a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/driving-without-insurance\/\">Driving without car insurance<\/a> anywhere in California can lead to some steep fines. Even if you have it but don\u2019t have proof when you get pulled over can face a fine of about $900. You can get that fine knocked down to $25 by going to traffic court and showing proof of insurance.<\/p>\n<p>High fines aren\u2019t the only issue you\u2019ll have if you are an uninsured motorist in California. Under the state\u2019s \u201cNo-pay, No-play\u201d comparative negligence system, uninsured motorists can\u2019t receive any non-economic damages like pain and suffering if they are involved in an accident.<\/p>\n<p>Uninsured motorists face $100-$200 fines and penalties for a first offense if driving without insurance. Getting caught without car insurance will also bump your insurance premiums up about 35% when you get coverage. Within three years of your first offense, other offenses will mean fines of $200-$500 and other penalties.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<br><br>\n\n\n<section class=\"c-section c-section--light-blue\" id=\"image-with-text-block_586a5e8dc0d80fb2673fe436443f1d5d\">\n    <div class=\"o-wrapper\">\n        <div class=\"c-media-block \">\n            \n                                    <h2 class=\"c-media-block__title c-section__title c-section__title--black \">Get a Quote for Car Insurance in San Jose Today!\n                                            <\/h2>\n                                \n                                                <picture class=\"c-media-block__img c-media-block__img--circle o-crop o-crop--fill\">\n                <!--<source srcset=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-srcset=\"images\/components\/about\/about1.webp, images\/components\/about\/about1.webp 2x\" type=\"image\/webp\">-->\n                                                <img decoding=\"async\" loading=\"lazy\" class=\"o-crop__content o-crop__content--center\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/tx-SanJose-ima.jpg\" alt=\"Afternoon view of the san jose California skyline\">\n            <\/picture>\n            <div class=\"c-media-block__content\">\n                <div class=\"s-cms-content\">\n                    <p>With the lower cost of car insurance premiums in San Jose, it\u2019s a good idea to make sure you at least have the minimum liability coverage required by the state of California.<\/p>\n<p>Get started with a quote <a href=\"#modal-turbo\">online<\/a>, visit us at a <a href=\"https:\/\/locations.freeway.com\/?search=San+Jose&#038;latitude=&#038;longitude=&#038;radio=20&#038;time=open-any\" target=\"_blank\" rel=\"noopener\">San Jose office<\/a> near you, or call us at <a href=\"tel:800-777-5620\">(800) 777-5620<\/a> for a quote.<\/p>\n                <\/div>\n                                    <div class=\"c-sections__list-column\">\n                                            <\/div>\n                                                                                <\/div>\n                            <div class=\"c-media-block__button\">\n                    <a class=\"c-button c-button--orange c-button--text-bing\" href=\"#modal-turbo\"  >\n                                                                                        Get Started                                            <\/a>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":25408,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-parts\/products.php","meta":{"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/32604"}],"collection":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/comments?post=32604"}],"version-history":[{"count":23,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/32604\/revisions"}],"predecessor-version":[{"id":47172,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/32604\/revisions\/47172"}],"up":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/25408"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/media?parent=32604"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}