Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

Full Bio →

Written by

Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

Full Bio →

Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Feb 16, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

San Jose, CA City Summary
San Jose, CA City SummaryStatistics
Population1.04 Million
Density5803/per square mile
Average Cost of Car Insurance$4,936.18
Cheapest Car Insurance CompanyGeico
Road ConditionsMediocre
Get Your Rates Quote Now

Compare RatesStart Now →

When you think of cities that are riding high on waves of success, San Jose may not be the first place to come to mind. As it turns out, though, San Jose has become one of the most affluent, and fastest growing cities in the United States. It’s the third largest city in California and boasts an average annual income of over $83,400. Poverty rates within the city top off at 10 percent — a commendable number, when compared to the rest of the country.

But what does all of that mean for local car insurance? No matter how affluent a city is, residents new and old are going to have to learn how to navigate the ins and outs of local car insurance requirements.

The good news is that you don’t have to do that digging alone. Through this guide, we’ll help you familiarize yourself not only with San Jose’s available car insurance policies but with the metrics in the city that could change your rate. You can compare San Jose car insurance rates to California’s car insurance rates as a state.

If you want to get a jump on your research, you can use our FREE online tool to compare car insurance rates in your area.

Table of Contents

Car Insurance Rates in San Jose

On one hand, living in San Jose is expensive. The annual average income may be well over $83,400, but not everyone is bringing home that kind of dough. One the other hand, car insurance in San Jose is fairly reasonable. The average cost comes in under $5,000 a year. When you compare that to some other states, the ratio of cost of living to car insurance comes out in San Jose’s favor.

What city you reside in will impact your car insurance. That’s why it’s essential to compare San Jose, CA against other top US metro areas’ auto insurance costs.

View as image

The whole of the city complies with California’s mandatory car insurance laws. In California, all drivers are required to carry the following minimum liability coverage:

  • $15,000 for bodily injury or the death of a single person
  • $30,000 for total bodily injury or per death per accident
  • $5,000 for property damage

What’s the need for minimum liability car insurance? California is an at-fault state. When a car accident takes place, one party will be assigned the blame for the whole of the encounter. That party will then be responsible not only for their own fees but for any damages they inflicted onto the other party present.

That said, you have more options available to you than minimum liability coverage. Let’s explore those options and some of the factors that impact your rates before you commit to car insurance in San Jose.

Does gender and age affect my car insurance in San Jose?

The myths surrounding car insurance and gender are many. Some sources argue that men always have to pay more for their car insurance than woman. Others argue the opposite.

San Jose, CA Annual Car Insurance Rates by Demographic
GroupMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Liberty Mutual$2,228.28$2,109.96$2,078.82$2,014.17$4,920.08$5,229.44$2,513.59$2,529.69
State Farm$3,249.57$3,249.57$2,904.13$2,904.13$5,983.81$7,410.73$3,599.98$3,713.68
Get Your Rates Quote Now

Compare RatesStart Now →

Age is a significant factor for San Jose, CA car insurance rates. Young drivers are often considered high-risk. This San Jose, California does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in San Jose, CA.

View as image

As you can see in the table above, gender doesn’t have as much to do with the car insurance rate you’re assigned as age does. Teenagers, naturally, will pay significantly more than older drivers for their coverage solely due to their lack of experience on the road. Comparatively, drivers over 60 in just about every state receive rate reductions as a result of their experience.

That’s not the only reason rates tend to vary more by age than they do by gender in California, though. In 2019, California banned car insurance agencies from using gender as a factor in rate determination. The table above shows data that was presented by car insurance providers prior to the passing of this legislation.

The state has also banned providers from using educational status, job status, and credit scores when determining an initial rate, accepting a driver, or rejecting a provider.

{CITY, STATE} car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

View as image

What are the cheapest ZIP codes in San Jose?

That said, your ZIP code will still play a factor in the rate car insurance providers in San Jose are willing to give you.

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly San Jose, CA auto insurance rates by ZIP Code below:

View as image

No matter where you live, a high area income will make your car insurance more expensive. Thus, living in a high-income ZIP code is going to cost you money on your car insurance. With San Jose already fairly affluent, you’d figure that any spot in the city would be reasonably expensive. Take a look at the table below to see for yourself how ZIP code rates shake out:

San Jose, CA Average Annual Car Insurance Rates by ZIP Code
San Jose ZIP CodeAverage Rate
Get Your Rates Quote Now

Compare RatesStart Now →

As you can see, the most expensive ZIP code in the San Jose area is the 95122 ZIP code. Here, the average annual car insurance rates settle somewhere around $5,391.72. Comparatively, the 95130 area code nets the cheapest car insurance, with the average coming in at $4,620.35.

What’s the best car insurance company in San Jose?

With a better idea of the factors that may influence your car insurance rate, you’ve probably found yourself asking: which car insurance provider in San Jose will offer the best rate?

The cheapest San Jose, CA car insurance providers can be found below. You also might be wondering, “How do those San Jose, CA rates compare against the average California car insurance company rates?” We uncover that too.

View as image

Good news! You have plenty of options to choose from. There are thousands of car insurance providers operating in California, and you don’t have to work with a local provider in San Jose to get your coverage. The bad news is that you’ll have to sift through mountains of information to discover which provider is really the best in the state.

That’s where we come in. In this section, we’ll break down the rates offered by some of the largest providers in the state so you can see how different factors will alter your premium. This way, you can find the best coverage for you and your family without the unnecessary stress.

Cheapest Car Insurance Rates by Company in San Jose

Let’s start by getting a general feel for the companies you may be working with. The bigger companies are all present in San Jose, but there are some that you may not have heard of before. With that in mind, let’s take a look at the annual average rates of the companies that have seen the most success in San Jose:

Cheapest Car Insurance Rates by Company in San Jose, CA
CompanyAverage Annual Rate
Liberty Mutual$2,953.00
State Farm$4,126.95
Get Your Rates Quote Now

Compare RatesStart Now →

As you can see, USAA is one of your cost-friendly car insurance options in San Jose. Geico, too, stands out from the crowd by offering families affordable rates on comprehensive coverage. Compared to the city’s average of $5,000 a year, a $2,754.42 rate is nothing to turn your nose up at.

Best Car Insurance for Commute Rates in San Jose

What do you do, though, if you have to commute back and forth on a daily basis? Many car insurance providers will charge you more for your coverage if you drive over 12,000 miles per year. Let’s take a look at the break down in San Jose:

San Jose, CA Average Annual Car Insurance Rates by Commute
Company10 miles commute. 6000 annual mileage.25 miles commute. 12000 annual mileage.Average
Liberty Mutual$2,713.34$3,192.67$2,953.01
State Farm$3,978.42$4,275.48$4,126.95
Get Your Rates Quote Now

Compare RatesStart Now →

In California, your rate can spike by over $500 if you drive more than 12,000 miles per year. You can blame a bit of the cost spike on California traffic. It is notoriously difficult to get from Point A to Point B in the state, to the point where the average commute, even in the city, is 30 minutes long.

Best Car Insurance for Coverage Level Rates in San Jose

Naturally, your car insurance premium is going to change based on the amount of insurance you’re looking to invest in. Each car insurance provider will be able to offer you one of three coverage types (which are further broken down later): low, medium, and high. As you might guess, the more coverage you invest in, the more you’re going to pay:

San Jose, CA Average Annual Car Insurance Rates by Coverage Level
Liberty Mutual$2,757.20$2,980.53$3,121.28$2,953.00
State Farm$3,746.49$4,194.00$4,440.37$4,126.95
Get Your Rates Quote Now

Compare RatesStart Now →

Your coverage level will play a major role in your San Jose, CA car insurance costs. Find the cheapest San Jose, California car insurance costs by coverage level below:

View as image

That said, you shouldn’t dismiss the more expensive options for their cost alone. Remember, California is an at-fault state. If you get into an accident in San Jose and are determined to be the party at fault, you may need extensive coverage to keep your bank account in the clear.

Here, Geico once again stands out from the crowd. Their highest coverage only costs you $2,955.16 per year — a rate that still comes in below the city’s average.

Best Car Insurance for Credit History Rates in San Jose

As mentioned, California made it illegal for car insurance providers to take your credit score into your rate consideration in 2019. Your rate will likewise not be influenced by your gender, education, or job status. This is the case in only two other states: Massachusetts and Hawaii.

Best Car Insurance for Driving Record Rates in San Jose

Without your credit history to determine how frequently you pay off your debts, car insurance providers in California will put more emphasis on your driving history. Accidents can often result in a sharp rate spike, even if you’re not determined to be the party at fault. Take a look at the table below to see how speeding tickets, accidents, and DUIs can all impact your rate:

San Jose, CA Average Annual Car Insurance Rates Based on Driving History
CompanyClean recordWith 1 accidentWith 1 DUIWith 1 speeding violationAverage
Liberty Mutual$2,564.22$3,434.19$3,097.35$2,716.26$3,031.92
State Farm$2,944.82$3,512.13$6,633.26$3,417.59$4,363.40
Get Your Rates Quote Now

Compare RatesStart Now →

Your driving record will affect your San Jose, CA car insurance costs. For example, a San Jose, California DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest San Jose, CA car insurance costs by driving record.

View as image

As you can see, DUIs are rate killers, sometimes raising rates by up to $2,000. If you want to keep your rate low, do what you can to drive cautiously on the road.

What are some car insurance factors in San Jose?

We’ve already begun to touch on the variables that could change the premium a car insurance provider could offer you. What are some of the San Jose-specific factors, though, that influence the area’s rates?

Controlling these risk factors will ensure you have the cheapest San Jose, California car insurance. Factors affecting car insurance rates in San Jose, CA may include your commute, coverage level, tickets, DUIs, and credit.

View as image

In this section, we’ll touch on San Jose’s economic standing, poverty levels, household income, and car culture. With this information, you’ll see how these factors can raise and lower rates, all the while developing a better understanding of what like in San Jose is like.

San Jose Metro Report

San Jose is a city bursting at the seams. Over the past year, its population has grown from 1.03 million residents to 1.04 million residents. This 0.973 percent increase may not seem significant, but the housing boom it’s brought with it is difficult to ignore. Property value is on the rise alongside the population, with value increasing from $802,000 to $854,700.

San Jose has also been growing economically. The area’s median household income grew from $101,940 to $104,675. This 2.68 percent increase suggests that there’s more money circulating through the area, making it all the more appealing for working professionals of a higher income bracket.

As you might have guessed, living in Silicon Valley isn’t cheap. If you want to jump on the wave of success, though, there’s no better place to do so.

Median Household Income in San Jose

Most car insurance providers will take median household income into account when considering what rate to offer you. Why? Because the local median household income reflects the amount of money accountants and car insurance providers believe you should be making.

As of 2017, the median household income in San Jose came out to roughly $200,000 per year. That’s 24 percent higher than the national average median household income.

Sound bonkers? That’s Silicon Valley. As a result, though, car insurance in the San Jose area is on the expensive side. You can use our insurance cost calculator to see how your area’s median household income impacts the car insurance rates providers make available to you:

Homeownership in the San Jose

Thinking about purchasing a home in the San Jose area? The housing market isn’t for everyone, but with the population in the area on the rise, there are some options available to you. Only 57.2 percent of San Hose residents actually own their own homes.

The rest of the population rents out apartments, townhouses, or other units to make their living.

San Jose comes in under the national average when it comes to home ownership, which cites 63.9 percent of United States residents as homeowners.

Why do so many folks in San Jose rent? Well, to start, the average property value of a home is $957,700. That’s no number to sneeze at, especially when you consider that the value of homes in the area is on the rise. Even so, homeownership is still on the table for folks willing to make the commitment.

Education in San Jose

San Jose has a plethora of educational opportunities available to residents and out-of-towners alike. Three of the largest local universities in operation include:

Tuition for in-state students is actually fairly low, coming in at a mere $3,434 per semester. Out-of-state students, comparatively, will have to pay upwards of $47,112 for their education on average.

That said, a degree from any of the aforementioned universities will serve a student well as they start to look for a job. Some of the most common degrees awarded in San Jose include:

  • General psychology
  • Computer science
  • Business administration and management

If you want a job in one of these fields, San Jose is the perfect place to attend school.

Wage by Race and Ethnicity in Common Jobs in San Jose

Once you’ve graduated, it’s time to start looking towards the job market. San Jose has a bustling economy, but there are some races or ethnicities that earn more in the job market. According to Data USA, wages by race and ethnicity in San Jose are as follows:

Wage by Race and Ethnicity in San Jose, CA
Two or More Races$51,776$5,111.809.87%
Get Your Rates Quote Now

Compare RatesStart Now →

Asians are the highest-paid ethnicity/race in San Jose, followed by whites.

Wage by Gender in Common Jobs in San Jose

Unfortunately, the wages of many female employees are still lower than those of their male peers. In San Jose, it’s been reported that where men earn an average of $75,050 per year, women working in the same positions will only earn $59,658. While neither number is one to sniff at, the difference between them is significant and concerning.

But does this gap appear across all industries? Let’s take a look at some of the most popular careers in the San Jose area and see how the gender divide influences a person’s wages:

Wage by Gender for Common Jobs in San Jose, CA
PositionMen's WagesWomen Wage's
Miscellaneous Managers$125,706$94,699
Elementary and Middle School Teachers$68,823$63,657
Driver/Sales Workers and Truck Drivers$46,287$32,578
Get Your Rates Quote Now

Compare RatesStart Now →

In all of the most popular industries, women make less than their male peers.

Poverty by Age and Gender in San Jose

What about the San Jose residents who aren’t able to make ends meet? Roughly 8.67 percent of San Jose’s population lives below the poverty line. While high, this percentage is below the national average of 13.4 percent.

When we take gender into account, we find that female residents between the ages of 18 and 24 are more likely to live in poverty than their peers.

Poverty by Race and Ethnicity in San Jose

How does poverty break down when we remove gender from the equation? The 8.67 percent of San Jose’s population that lives in poverty is represented demographically, according to Data USA, as follows:

  • Hispanic: 70,292 residents
  • Caucasian: 69,962 residents
  • Asian: 48,017 residents

As you can see, San Jose’s Hispanic demographic has a greater percentage of residents living in poverty than most other demographics. Caucasian residents and Asian residents follow just behind.

Compare Car Insurance Companies

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Driving in San Jose

Driving in California can be a challenge if you’ve never done it before. If you’re a San Jose local, you know what kind of traffic you’ll face on a daily basis. For new residents or folks who want to better familiarize themselves with the road, though, we’re here to help. This section will break down the basics of driving in San Jose so you can take to the roads with greater care.

What are the major roads in San Jose?

The roads in San Jose can be congested during peak driving times. That said, you’ll need to know how to navigate them safely if you’re going to make San Jose your home. Let’s dive into the different roadways you can take through the city, which ones are the busiest, and any obstacles you may need to keep an eye out for.

Major Highways in San Jose

San Jose boasts 2,457.34 miles of interstate — which means you’ve got a lot of ground to cover. The most active of the area’s motorways include:

Popular Road Trips and Sites in San Jose

If you’re touring the west coast, San Jose serves as an excellent road trip pit stop. Trips down US 101 will bring you through the city and let you see some of its most iconic sites, should you opt to stay the night. Some of these attractions include:

You can also readily use San Jose as a base of operations if you want to visit any of the following:

  • Santa Cruz
  • Alameda
  • Napa Valley
  • Half Moon Bay
  • San Francisco
  • Gilroy
  • Silicon Valley
  • Muir Woods

Road Conditions in San Jose

The road conditions in San Jose vary based on where you’re driving. San Jose’s road conditions break down as follows:

  • Poor road conditions: 64 percent
  • Mediocre road conditions: 18 percent
  • Fair road conditions: 9 percent
  • Good road conditions: 9 percent

As you might guess, the roads in poor condition in San Jose aren’t going to be too fun to drive on. You’re going to have to carefully maneuver around potholes and other obstacles to avoid blowing a tire and incurring maintenance costs.

Unfortunately, with over half of the city’s roads in poor conditions, locally-operating car insurance providers are going to have to charge you a little more to ensure that you’re covered, should you happen to get into an environmentally-triggered accident.

Any city with over 500,000 residents also drives car insurance providers to charge drivers extra vehicle costs. These costs, called VOCs, are costs meant to help you cover blown tires, damaged suspension, or other damages brought on by the poor roads in the area.

San Jose’s VOCs come in at $958. This VOC is fairly high when compared to those issued by other high-density cities across the United States. They’re worth keeping in mind while you’re in the midst of car insurance shopping.

Does San Jose use speeding or red-light cameras?

In San Jose, you’ll receive a ticket if you’re caught speeding or running a red light. While San Jose law enforcement does not use speeding cameras, the city does use red-light cameras to monitor driver behavior at intersections.

What types of vehicles are in San Jose?

Let’s take an even closer look at San Jose’s car culture. What kind of cars are you most likely to see in San Jose? Where are the speed traps, and how many cars are you likely to see on the road every day?

In this section, we’ll touch on the variety and quantity of vehicles you’re likely to encounter while on the road. With a little more information about the area’s classic cars, modern vehicles, and public transportation under your belt, you’ll be able to take to the road with a little more care.

Most Popular Vehicles Owned in San Jose

As of 2019, San Jose was described as one of the cities in the United States with the most electric/hybrid vehicles on the road. The city earned that title with a mere 2.5 percent vehicle breakdown, which should tell you a little bit about the delayed — but rising — popularity of electric/hybrid vehicles in the United States.

That said, the most popular vehicle in San Jose is not electric. It is, instead, a BMW 540i.

This luxury vehicle is on the expensive side, ensuring that it fits right in San Jose’s affluent neighborhoods. The popularity of the BMW does more than just reflect the economic standing of San Jose’s residents, though. Only 25 percent of the vehicles in the United States where made on American soil. The traffic in San Jose emphasizes the country’s fascination with foreign cars.

How many cars per household in San Jose?

In general, most houses in the United States boast two vehicles. This average finds another foothold in San Jose, where 38 percent of all households have two vehicles. Comparatively, 22 percent of all homes have three vehicles at their disposal.

For a statistic that really stands out, you’ve got to look a little higher. Roughly 10 percent of households in San Jose boast five or more cars. That percentage is nearly double what it is in other cities across the United States. Talk about a sign of affluence.

Households without a Car in San Jose

On the flip side, some San Jose residents don’t have a car to their name. 1 percent of the population opts to navigate through the city using alternative means.

On one hand, it’s not a bad thing for this number to be so low. It means that most of San Jose’s residents have a bit of property to their name. However, the accessibility of vehicles does mean that folks without access to a car will have a more difficult time making it around the city. Public transportation exists in San Jose, but it could be improved — as we’ll touch on later.

Speed Traps in San Jose

Some cities have speed traps that are well-known by most residents. San Jose isn’t one of those cities, namely because it doesn’t crack the top ten cities for speed traps in California.

You might think that the lack of speed traps — or, at least, well-known traps — means that you can get away with speeding more often. This isn’t the case. San Jose and California as a whole have strict speeding policies, and your car insurance policy will become more expensive if you’re awarded a speeding ticket. Do what you can to abide by the posted speed limit, even if you can’t spot a police cruiser on the side of the road.

Vehicle Theft in San Jose

Surprisingly, crime rates do not decrease as the cost of living in a city rises. While correlation does not indicate causation, crime rates and affluence tend to rise hand in hand. According to the FBI, San Jose recently saw 8,068 reported vehicle thefts. While that number may look small when compared to San Jose’s population of more than 1 million people, it’s still worth noting when considering the safety of your vehicle.

The good news is that there are some areas of San Jose that are relatively crime-free — at least, when it comes to vehicle theft. Silver Creek Road and Country Club Parkway rarely see vehicle theft, meaning that your car should be safer in these areas.

However, note that car insurance providers will take your home ZIP code into account when awarding you a rate. If you live in an area that’s likely to see more vehicular crime, then your rate may be higher than your neighbor’s.

How is traffic in San Jose?

As mentioned, traffic throughout the whole of California can try the most patient driver’s temper. San Jose, especially, is known for its bad traffic.

At the moment, the city ranks at number seven on the list of worst traffic cities in the United States. INRIX’s global congestion report notes that Highway 101, Interstate 280, and Interstate 580 see the worst of the city’s congestion, with drivers spending 35 hours a year sitting in backed-up traffic.

Traffic Congestion in California

San Jose isn’t the only city that sees more than its fair share of congestion in California. Los Angeles, San Francisco, and Sacramento are all listed among the most congested cities in the United States.

If you want to avoid the worst of the congestion in these areas and in San Jose, do what you can to avoid driving during peak hours. This means 8 AM, 5 PM, and in the evenings on weekends. If you do have to go out during these times, do what you can to give yourself a time cushion so you can arrive at your destination on time for any time-sensitive events.

Transportation in San Jose

The vast majority of drivers in San Jose prefer to make their way to and from work on their own. Over 80 percent of the local population will take a car into work without carpooling. On one hand, this means you don’t have to compromise while listening to the radio.

On the other, the sheer number of vehicles on the road may explain by San Jose residents spend between 30 and 34 minutes in traffic on their way to and from work. Another 10 percent of San Jose drivers have to deal with a super commute, or a commute that lasts over 90 minutes.

Busiest Highways in San Jose

Santa Clara County, in which San Jose resides, boasts four of the ten most congested freeways in California. If you have a time-sensitive meeting to make, do what you can to avoid the following highways:

  • The I-680/I-280 Loop
  • Northbound and Southbound U.S. 101
  • Southbound I-880

Road Safety in San Jose

Taking to the road in an urban area is going to be dangerous. Cities like San Jose, which are packed with people, are going to present you with unavoidable obstacles. It’s up to you to figure out how to navigate through these cities while staying safe in your car.

One of the best places to start, when it comes to staying safe, is with the statistics. Take a look at the table below to learn a little more about the different fatalities that San Jose sees on a yearly basis:

Traffic Fatalities in San Jose, CA
San Jose, CA Traffic Safety Stats 2017Amount
Fatalities (All Crashes)3,602
Fatalities (Drunk Driving Cases)1,120
Fatalities (Single Vehicle Crashes)2,067
Fatalities (Speeding Crashes)1,070
Pedestrian Fatalities858
Motorcycle Fatalities529
Get Your Rates Quote Now

Compare RatesStart Now →

As you can see, San Jose sees more than its fair share of alcohol-related fatalities. Likewise, it’s drivers in single vehicles who are the most likely to face a fatality while on the road.

Allstate America’s Best Drivers Report

Allstate releases an annual report detailing the cities across the United States that boast the more cautious drivers. These reports break down a city’s collective driving record by taking into account:

  • Years between driver claims as reported by insurance providers
  • Likelihood of claims
  • Hard-braking incidents

San Jose ranked 170th in the latest Allstate Best Driver’s Report. This isn’t a terrible position, but it’s not the best, either. Drivers in San Jose take more risks than others, according to the report — which means that you’ll need to keep a close eye on the road.

Ridesharing in San Jose

Ridesharing has grown in popularity over the last decade. Nowadays, if you want a lift downtown but don’t want to drive, all you have to do is reach out to a driver through one of the many operating apps. San Jose has a plethora of ridesharing services operating within the city, including:

E-Star® Repair Shops in San Jose

Want to file a claim with an auto shop from your phone? With the help of E-Star®, a system developed by esurance, you can. The various affiliated auto shops in San Jose include:

  • Aaron’s Body Shop
  • Anderson Behel Body Shop
  • Arseen Auto Body
  • Caliber-Fremont
  • Caliber-Milpitas
  • Caliber-South Mountain View
  • Caliber-Sunnyvale East
  • Fix Auto Palo Alto
  • Pan American Collision Center Cupertino
  • Pan American Collision Center Fremont
  • Pan American Collision Center Los Gatos
  • Pan American Collision Center Menlo Park
  • Pan American Collision Center Mountain View
  • Pan American Collision Center San Jose
  • Pan American Collision Certified
  • Service King South San Jose

What is the weather like in San Jose?

On one hand, California as a state is prone to wildfires, especially given the worsening impact of climate change. On the other, it’s the perfect place to visit if you’re a fan of heat. San Jose regularly boasts an average high of 72.6 degrees Fahrenheit and lows of 50.5 degrees Fahrenheit. While some days are significantly warmer than others, you’ll be able to enjoy the temperate weather year-round.

San Jose doesn’t see rain all that often, either. The city receives an average annual rainfall of roughly 15.09 inches. Even the earthquakes are reasonably rare — 2015 boasted a mere 130, which was lower than the state’s average.

Why worry about San Jose’s weather? Because weather can frequently get you in trouble when you’re on the road. Luckily, the good weather in San Jose should preserve your car’s more delicate parts and make it easier to spot obstacles while you drive.

Is public transportation available in San Jose?

You’ll be able to get around San Jose without a car if you need to with the help of the VTA. The VTA provides public transportation throughout the Bay Area, providing you with access to buses, modern streetcars, and other rental services.

Downtown San Jose is serviced by VTA’s free DASH shuttle, which you can board 24 hours a day free of charge. If you’re interested in taking a train, you can catch a ride at Diridon Station, which will connect you to the Mountain View-Winchester light-rail line.

Are other Alternate Transportation Types Available in San Jose?

While not many folks in San Jose need to rely on public transportation, you can still appreciate the availability of these alternative forms. If you’re exploring downtown, you can readily rent a scooter or a bicycle to better navigate the sidewalks. Many of the different bike rental agencies include:

You’ll be charged for your rental by the minute or an hour, depending on the agency you choose to work with.

Is Parking Easy in San Jose?

Parking in urban areas takes a lot of time, especially if you’re not used to living in the area. The good news is that San Jose has a litany of garages and monthly parking options for you to choose from. You can use the city’s parking map to find open parking spots in the downtown areas. Not only will you be able to more readily find parking on the street-side, but you can assess availability in parking garages without driving through them.

If you want to secure a semi-permanent spot for yourself downtown, you should consider investing in a monthly parking pass. These passes, offered by the city, will need to be renewed every month, but they’ll guarantee you a spot if you spend a lot of time in high traffic areas.

How is the Air Quality in San Jose?

Conversations about air quality and environmentalism provoke complicated reactions in 2020’s United States. When it comes to air quality in California, the conversation grows both more complex and more concerning. San Jose, specifically, has air quality that’s below average, meaning that the days of poor or fair air quality outweigh the number of days with good air quality.

Emissions released from gasoline-powered vehicles account for much, but not all, of the pollution in California’s air. If you’re interested in decreasing your personal carbon footprint, you may want to consider investing in an electric or hybrid vehicle.

Military & Veterans in San Jose

California is home to 32 military bases, meaning that the population of veterans and active service people is high throughout the state. As a result, car insurance providers make discounts available to members of the service to thank them for their work.

Of all of the providers in California, USAA offers the most affordable rates to veterans and active members of the service.

Unique City Laws in San Jose

Some cities have laws left over from a more archaic time. These laws, while no longer explicitly applicable to daily life, make for an interesting legislative exploration of the city’s history. San Jose is no different in this regard. Some of the city’s unique laws detail the following offenses:

  • You may not legally throw a frisbee on any of San Jose’s beaches without the explicit permission of a lifeguard.
  • If you want to keep a rhinoceros in San Jose, you’re required to purchase a $100 permit from the city.
  • If you own a garage, you may not solely use it for storage. Your garage must be used as a place for your vehicle. You may only store your belongings in your garage if you also actively use it for your vehicle.

San Jose Car Insurance FAQs

Still got some questions on your mind? Let’s try and break them down so you can shop for car insurance fully informed.

How much car insurance does California require me to have?

In California, all drivers are required to carry the following minimum liability coverage:

  • $15,000 for bodily injury or the death of a single person
  • $30,000 for total bodily injury or per death per accident
  • $5,000 for property damage

How can I lower my car insurance premium?

If you’re looking to lower your car insurance premium, you can talk to your provider of choice about the discounts that may be available to you. You’ll also want to look into the various ways you can improve your credit score.

Most California car insurance providers will remove points from your license after three years and three months. However, DUIs or more serious accidents will remain on your record for up to 13 years. If you want to lower your car insurance premium, try to avoid getting into accidents or serious accidents. After time driving carefully, though, even the most severe points will no longer be premium factors.

Why do car insurance providers use information from my previous providers?

When you applied for rates with other car insurance providers, you shared your previous driving history, the type of vehicle you wanted to insure, and additional personal information.

Your new car insurance provider will want to know as much about your history as a car owner as they can so as to give you an affordable and appropriate rate. As a result, they may reach out to an old provider to see a) what kind of history you’re working with, and b) what kind of rate you had in the past.

What kind of car insurance discounts are available in California?

You’ll need to talk to your provider to determine what discounts will be available to you in California and San Jose. In general, though, you’ll be able to choose from the following discounts and more:

  • Accident-Free Discount
  • Affiliation Discount (this would be any discounts through your employer, school, team, etc.)
  • Anti-Theft Discounts (i.e., if you have alarms, tracking systems, etc. on your vehicle)
  • Auto-Pay Discounts (if you were to set up automatic payments from checking; some providers refer to it as a Paper-Saving Discount)
  • Good Student Discount
  • Homeowner’s Discount
  • Multi-Car Discount
  • Green/Hybrid Car Discount (if you own/lease a hybrid or electric vehicle)

How can I compare car insurance quotes?

You can use our FREE online tool to compare the car insurance rates available to you in San Jose. Just enter your ZIP code to get started.


  1. https://www.cbsnews.com/news/car-insurance-california-bans-gender-as-a-factor-in-setting-rates/
  2. https://www.sanjoseca.gov/your-government/departments/planning-building-code-enforcement/planning-division/data-and-maps/demographics/population
  3. https://www.redfin.com/city/17420/CA/San-Jose/housing-market
  4. https://datausa.io/profile/geo/san-jose-ca/
  5. https://www.businessinsider.com/rent-or-buy-better-deal-san-francisco-san-jose-2018-7
  6. https://www.sjsu.edu/
  7. https://www.stanford.edu/
  8. https://www.scu.edu/
  9. https://www.aauw.org/research/the-simple-truth-about-the-gender-pay-gap/
  10. https://www.welfareinfo.org/poverty-rate/california/san-jose
  11. https://bayarearides.com/rides/foothill/
  12. https://sanfrancisco.cbslocal.com/tag/lawrence-expressway/
  13. https://www.mercurynews.com/2019/01/11/sink-hole-closes-westbound-lanes-of-montague-expressway/
  14. https://www.sccgov.org/sites/rda/PnS/CP/stexpy
  15. https://sanfrancisco.cbslocal.com/tag/almaden-expressway/
  16. https://www.mercurynews.com/tag/highway-87/
  17. https://sanfrancisco.cbslocal.com/tag/capitol-expressway/
  18. https://www.mercurynews.com/tag/highway-85/
  19. https://www.interstate-guide.com/i-680-ca/
  20. https://www.gbcnet.com/ushighways/US101.html
  21. https://www.interstate-guide.com/i-280-ca/
  22. https://abc7news.com/tag/i-280/
  23. https://www.interstate-guide.com/i-880-ca/
  24. https://www.dangerousroads.org/north-america/usa/5237-california-state-route-17.html
  25. https://winchestermysteryhouse.com/
  26. https://www.thetech.org/
  27. https://happyhollow.org/
  28. https://www.sanjose.org/listings/municipal-rose-garden
  29. https://www.ebparks.org/parks/mission/
  30. https://sjdowntown.com/
  31. https://tripnet.org/reports/california-transportation-by-the-numbers/
  32. http://bca.transportationeconomics.org/benefits/vehicle-operating-cost
  33. https://www.sanjoseca.gov/your-government/departments/transportation/driving/electric-vehicles-chargers
  34. https://www.bmwusa.com/vehicles/5-series/sedan/540i-sedan.html
  35. https://ucr.fbi.gov/crime-in-the-u.s/2017/crime-in-the-u.s.-2017/tables/table-8/table-8-state-cuts/california.xls
  36. https://www.neighborhoodscout.com/ca/san-jose
  37. https://inrix.com/press-releases/2648/
  38. https://www.bizjournals.com/sanjose/news/2016/10/03/santa-clara-county-has-four-of-the-10-most.html
  39. https://www.allstate.com/americas-best-drivers/index.htm
  40. https://www.blacklane.com/en/
  41. https://www.carpoolworld.com/carpool.html?to=CARMEL&wc=USA,US&lat=39.9551825&lon=-86.1723303
  42. https://mobileapp.gocurb.com/
  43. https://www.hopskipdrive.com/
  44. https://www.lyft.com/
  45. https://www.supershuttle.com/
  46. https://talixo.com/
  47. https://www.taxisanjose.com/
  48. https://www.uber.com/
  49. https://www.esurance.com/info/car/e-star-direct-repair-program
  50. https://earthquake.usgs.gov/earthquakes/browse/stats.php
  51. https://www.vta.org/
  52. https://www.summitbicycles.com/about/san-jose-pg417.htmutm_source=localsearch&utm_medium=organic&utm_campaign=gmb
  53. https://www.bicycleexpress.net/
  54. https://parksj.org/
  55. https://parksj.org/parking-programs-services/monthly-passes/
  56. https://saratoga-weather.org/aqi.php
  57. https://militarybases.com/california/
  58. https://www.drive-safely.net/remove-points-off-california-license/