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Auto Insurance - San Jose, California

Auto Insurance - San Jose, California

With so many companies offering car insurance in California, how do you choose the auto insurance that's best for you? When deciding on an insurance company, there are many factors to consider, such as your personal lifestyle and even your other insurance needs.

Whether taking in the southern view of San Francisco Bay or the Downtown Historic District, San Jose has much to offer. Just a short jaunt to Santa Clara, the San Jose/Silicon Valley area is not to be missed. Residents need automobile transportation to do and see it all, but you also need auto insurance coverage that protects you. Allstate offers a wide variety of auto insurance options for drivers in San Jose, as well as other products like homeowners insurance and life insurance.

California Auto Insurance Requirements

Although the state of California requires minimum auto insurance coverage levels, only you can decide which specific car insurance coverages are right for you. The chart below outlines details about California's required auto insurance coverage levels and the most common car insurance coverages.

Coverage Scale
Coverage California Minimum Requirements Most Common**
California Drivers
Bodily Injury Liability 15,000/30,000* 100,000/300,000*
Property Damage Liability 5,000 100,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000*
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible
*Understanding the table: XX/XX = bodily injury or death of one person in any one accident/bodily injury or death or two or more persons in any one accident.
**Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles by Allstate Insurance Company policyholders in California. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimums.
For more information about California auto insurance or to get an auto insurance quote, contact your local Allstate agent.

California Auto Insurance Discounts

Once you know the amount of auto insurance coverage you need in California, take a few minutes to learn about the types of auto insurance discounts that might be available to you. Allstate offers discounts for safe drivers, good students, those who carry multiple policies with Allstate, and more. Contact your Allstate agent to learn more.

What's Happening in San Jose

The San Jose area covers 57 different zip codes ranging from 95101 to 95196. Some of the most common claims reported in the San Jose area include:

Common Claims
Type of Claim Average Cost per Claim
Theft/Burglary $2,869
Water Damage $7,760
Wind $1,763
Physical Damage (all other) $3,774
Fire $63,190
Talk with your Allstate agent to help ensure you have the right amount of coverage for your auto and property. Your agent can provide insurance quotes on a range of products including homeowners insurance and life insurance.

To learn more about the types of insurance claims frequently filed in San Jose, Santa Clara, and the surrounding areas, use our Common & Costly Claims tool.

California Graduated Driver Licensing

The state of California has one of the highest teen accident fatality rates in the country for teens aged 16-17 years old. Of the 5,000 teen car accident fatalities, California accounts for 400. In an effort to combat teen auto crashes and fatalities, California passed its first Graduated Drivers License (GDL) law in 1997. The system puts teen drivers through a rigorous program designed to educate and train young, novice drivers.

The following table outlines the GDL requirements and restrictions for California

Graduated Driver Licensing (GDL)
Insurance Institute for
Highway Safety Rating
Minimum Entry Age
(Optimal: 16)
15 years, 6 months
Extended Learner Period
(Optimal: at least 6 months)
6 months
Parent Certification
(Optimal: 30 hours minimal)
50 hours, 10 of which must be at night
Night Restriction
(Optimal: 9 or 10 p.m.)
11:00pm - 5:00am
Passenger Restriction
(Family members excepted unless otherwise noted)
first 12 months - no passengers younger than 20
(limited exception for immediate family)
Minimum Exit Age
(Optimal: 18)
17 years
Allstate wants to help ensure that your teen learns safe driving habits right from the start. That's why we implemented the Allstate Teen Driver program.

San Jose, California Profile

Allstate Insurance in San Jose, California In California your auto insurance rates can be influenced by factors such as your personal driving history, the type of vehicle you drive, your age and your family. When reviewing your insurance needs and policies, you may also want to consider some of the US Census Data that comprises San Jose's profile:

Some Great Facts About San Jose
Item Statistic
Median HH Income: $79,405
Education: 36.6% have a Bachelor's degree or higher
Own/Rent 60.2% own their home
Total Population: 945,942 (in 2010)
Number of schools: 40 public elementary, middle, and high schools
Allstate auto insurance offers policies that help protect you so that you and your family can have peace of mind when on the road. To get started, find an agent near you, get a no-obligation auto insurance quote online, or call us at 1-866-621-6900.

City data sourced from U.S. Government websites and

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