UPDATED: Mar 13, 2020
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|San Jose Statistics||Details|
|City Density||5,921 people per square mile|
|Average Cost of Car Insurance||$4,975.37|
|Cheapest Car Insurance Provider||GEICO + USAA|
|Road Conditions||Poor Share: 64%|
Mediocre Share: 18%
Fair Share: 9%
Good Share: 9%
We totally get it.
You might be drowning in work, or struggling to take care of that precious new baby. Your kids might have a million extra-curricular activities that you’re constantly driving them to, the dog needs to go to the vet, and your dental cleaning is way overdue.
To say that life is busy for the average American is an understatement. We are constantly being pulled from one direction to the other.
While you might have the best intentions to save money on the perfect car insurance policy that fits your family’s tight budget, you just haven’t had the time or the headspace to search for it.
We understand that time is precious, and because of that, we’ve written a complete guide to car insurance in San Jose, California.
If you have just 15 minutes or less, we promise that you’ll get all of the information you need from this guide in order to make a smart decision on your future car insurance company and rate.
From car insurance discounts to factors that affect your car insurance rate, we’ll talk about it all. So sit back, relax, and enjoy yourself as we begin this guide to car insurance in San Jose, California.
Do you want to start saving on your car insurance policy right now? Use our free tool by entering your ZIP code into the box above.
The Cost of Car Insurance in San Jose
We don’t live under a rock; we know that most people go with a car insurance company because of its low rate. So let’s get right to it — what does car insurance actually cost in San Jose?
We can’t quite tackle that question with just one, simple answer. Car insurance rates are based on many different factors. Stay tuned for a breakdown of rates in San Jose, California based on key factors like gender, marital status, age, and more.
Male vs. Female vs. Age
Most people know that gender and age can affect your car insurance rate, but did you know that marital status can too?
As of August 1, 2019, the state of California passed a law that bans car insurance companies from adjusting rates based on gender.
But what is the average age in San Jose, California, and how would this affect the average car insurance rate there?
According to Data USA, the median age in San Jose, California, is 36.8. This means that many drivers in the city don’t need to worry about increased car insurance rates because the median age is over 25.
You might know that drivers under the age of 25 usually pay the most for car insurance. This fact could be attributed to younger drivers’ lack of experience.
Let’s take a closer look at how your age could affect the rates carriers assess for your policy in San Jose, California.
|Average Annual Rate||$2,437.21||$2,172.39||$6,822.04||$3,124.32|
As you can see from the table above, the older you are, the cheaper your rate becomes. Sixty-year-olds typically pay the least for car insurance.
This is because older drivers tend to have the most experience.
If you’re a younger driver or you have one on your policy, don’t be discouraged. The high rates you’re paying now will decrease, as long as you keep a clean driving record.
Marital status can also affect your car insurance rate.
Car insurance companies believe that drivers who are married are usually more responsible. They are more likely to pay their bills on time and less likely to be high-risk drivers.
Stick around as we discuss more factors that could affect your car insurance rate.
Cheapest ZIP Codes in San Jose
Did you know that your place of residence could also affect your car insurance rate? Some areas in your city could be more prone to crime and/or natural disasters and this could result in a higher rate.
Find your ZIP code and the correlating rate in the table below.
|ZIP Code||Average Annual Rate|
As you can see, there’s an $800 difference in rates between the most and least expensive ZIP codes listed here. This statistic is noteworthy because there are just over one million people living in the city of San Jose.
What’s the Best Car Insurance Company in San Jose?
As you’re searching for a new car insurance company and rate, it’s important to know that not all car insurance companies are created equal. What do we mean by that?
While one company might think that your driving record should be the most significant factor when determining the cost of your insurance rate, another company might feel that your credit score is more important.
While the rate you’re offered is important, you should also be looking at the big picture when choosing a car insurance company. What’s the big picture?
Well, most of the time, you get what you pay for. One car insurance company may have a cheaper rate because they have poor coverage or a bad reputation. On the other hand, a more expensive car insurance company is probably well-known and is equipped to handle many claims at a time.
Cheapest Car Insurance Rates by Company
The table below shows the car insurance companies that charge the cheapest coverage rates in San Jose, California.
As you can see, USAA has the cheapest average car insurance rate in this table. However, keep in mind that USAA only services military members (both active duty and veterans) and their families. If this doesn’t apply to you, Geico or Liberty Mutual will probably be your cheapest option.
Tip: When looking at the overall average rate, make sure you remember to check out the rate for your specific demographic.
Best Car Insurance for Commute Rates
Did you know that how far you drive every day can also affect your car insurance rate?
According to the Federal Highway Administration’s 2014 Licensed Drivers By State report, Californians drove an average of 13,414 miles in the state that year.
Car insurance companies know that the more a person drives, the more likely they are to get into an accident.
Check out the table below for rates based on commute distances.
|Group||10 miles commute. 6000 annual mileage.||25 miles commute. 12000 annual mileage.||Average|
As you can see, if you drive more than the average person, your rates are going to increase significantly.
If you drive a lot, we would recommend going with a company like State Farm or Liberty Mutual because according to our data, they both have the smallest increase in rates if you drive more than the average person.
Best Car Insurance for Coverage Level Rates
Did you know that the coverage levels you pick for your insurance policy in San Jose, California, could dramatically increase or decrease your annual premiums?
Check out the table below to see what we’re talking about.
If you have more coverage than what is required by the state of California, your car insurance company might cut you a break on your rate.
For instance, for just $380 more per year (or $31 more per month), you can go from having low coverage to high coverage with Allstate.
The difference between having low and high coverage might mean that you go from having just minimum liability insurance to a comprehensive policy. That’s huge. For just $31 more per month, comprehensive coverage might be worth it to you.
If you can afford the few extra hundred dollars upfront, having a comprehensive policy could save you literally thousands of dollars in vehicle repairs and/or medical bills in the long run.
Best Car Insurance for Credit History Rates
Another major factor that can influence your rate is your credit score, but not in California, Hawaii, or Massachusetts.
According to Consumer Reports, these are the only states in the country that prohibit insurers from using credit scores to set prices. In these states, insurers base premiums largely on a consumer’s driving record, the number of miles driven per year, and other factors.
Best Car Insurance for Driving Record Rates
As mentioned above, the biggest factor to affect your car insurance rate is most likely going to be your driving record. The table below reveals exactly how much your rates could change based on your driving record alone.
|Group||Clean record||With 1 accident||With 1 DUI||With 1 speeding violation||Average|
If you are convicted of just one DUI, your rates can increase by thousands of dollars. Did you break the law and get a speeding ticket? You’ll be lucky if your rate only increases by a few hundred dollars per year.
Getting into a car accident can even increase your rate. It seems silly, considering that’s the whole reason you carry insurance in the first place.
However, if you have been in an accident, or if you’ve gotten a speeding ticket for one reason or another, you might want to check rates at Liberty Mutual or State Farm.
Car Insurance Factors in San Jose
Before you go ahead and make a few phone calls to switch your insurance provider, you might want to keep reading. We’ve only scratched the surface of factors that can influence your car insurance rate.
Up next we’ll review some more info you’ll need to pinpoint how much you really ought to be paying for auto coverage in your city.
Let’s take a look at the growth and prosperity rate in the San Jose/San Francisco area from the Brookings Metro Report from 2016-2017.
- Jobs: + 2.4 percent (22nd of 100)
- Gross Metropolitan Product (GMP): + 8.7 percent (1 of 100)
- Jobs at Young Firms: – 0.7 percent (88th of 100)
- Productivity: + 6.2 percent (1 of 100)
- Standard of Living: + 8.3 percent (1 of 100)
- Average Annual Wage: + 5.4 percent (1 of 100)
Overall, San Jose saw an increase in both areas of growth and prosperity from 2016-2017.
Median Household Income
Insurance isn’t cheap, but have you ever wondered how much of your annual salary is being spent on car insurance?
According to Data USA, the median household income in San Jose is $104,675.
This salary is considerably more than the median annual income of the rest of the U.S., which is $60,336. This is in comparison to a median income of $101,940 in 2016, which represents a 2.68% annual growth.
Drivers in San Jose pay an average of $4,975.37 per year on their car insurance policy. This means that San Jose residents spend an average of 4.7 percent of their total income on car insurance alone.
If you’re interested in seeing how much of your yearly salary is spent on car insurance, just use our free calculator tool below.
Homeownership in San Jose
Did you know that owning a home can also help lower your car insurance rate?
Car insurance companies believe that drivers who own their home are generally more responsible individuals. They are also less likely to be high-risk drivers.
In 2017, 57.4 percent of the housing units in San Jose, California, were occupied by their owners. This percentage grew from the previous year’s rate of 56.9 percent.
This percentage of owner-occupation is lower than the national average of 63.9 percent.
In 2017, the median property value in San Jose, California, grew to $854,700 from the previous year’s value of $802,000.
Education in San Jose
The San Jose area has several notable universities. In 2016, these universities awarded 12,553 degrees.
The student population of San Jose, California, is skewed towards women, with 25,414 male students and 26,852 female students.
The number of graduates, as well as the percentage of total degrees the largest San Jose educational institutions conferred in 2016, are as follows:
- San Jose State University: Graduates: 9,010. Degrees conferred: 71.8 percent.
- San Jose City College: Graduates: 1,022. Degrees conferred: 8.14 percent.
- International Technological University: Graduates: 759. Degrees conferred: 6.05 percent.
The most popular majors in San Jose, California, are:
- General Business Administration & Management: Degrees awarded: 1,967. Percentage of total degrees awarded: 5.7 percent.
- Computer Software Engineering: Degrees awarded: 870. Percentage of total degrees awarded: 6.93 percent.
- General Psychology: Degrees awarded: 518. Percentage of total degrees awarded: 4.13 percent.
Speech communication and rhetoric was another popular major studied at universities and colleges in San Jose.
Wage by Race & Ethnicity in Common Jobs
It’s not a secret that wages are often determined by ethnicity. But, if you’ve ever wondered how key factors such as race and ethnicity really affect the wages residents in San Jose can expect to earn, you won’t want to miss these interesting stats.
In 2017, the highest paid race/ethnicity of California workers was Asian. These workers were paid 1.11 times more than white workers, who made the second highest salary of any race/ethnicity.
Check out the table below. It shows wages for common jobs based on race and ethnicity in San Jose, California, along with the percentage of those workers’ incomes going to auto insurance premiums.
|Ethnicity||Miscellaneous Managers||Premiums as a Percentage of Income||Elementary & Middle School Teachers||Premiums as a Percentage of Income||Driver/Sales Workers & Truck Drivers||Premiums as a Percentage of Income||Retails Salespersons||Premiums as a Percentage of Income||Cashiers||Premiums as a Percentage of Income|
|Native Hawaiian and Other Pacific Islander||$128,245||3.80%||$48,953||10.10%||$42,284||11.70%||$25,712||19.30%||$17,167||28.90%|
|Two or More Races||$110,079||4.50%||$52,813||9.40%||$38,941||12.70%||$26,840||18.50%||$15,090||32.90%|
|Other Native American||$72,969||6.80%||$40,539||12.20%||$16,935||29.30%||$6,238||79.70%|
As you can see, people who make less money pay a higher percentage of their income toward car insurance.
Apart from that, it’s pretty crazy to see the different wage rates being paid across the board for the same job.
Wage by Gender in Common Jobs
Let’s talk about the gender pay gap.
In 2017, full-time male employees in California made 1.26 times more than female employees.
- San Jose Average Female Salary: $59,658
- San Jose Average Male Salary: $75,050
That’s more than a $14,000 pay gap between the two genders. Even if male and female employees hold the exact same job title, the statistics reveal that male workers will still bring home a higher personal income.
The average annual cost of car insurance in San Jose, California, is $4,975.37.
This means that while women are paying out approximately 8.3 percent of their annual income to cover the cost of car insurance premiums, men are paying out just over 6.6 percent of their total yearly earnings for coverage.
Poverty by Age and Gender
What are the key trends to look for concerning age and gender when it comes to poverty rates?
According to Data USA, 10 percent of the population for whom poverty status is determined in San Jose, California (102,000 out of 1.01 million people) live below the poverty line, a number that is lower than the national average of 13.4 percent.
The largest demographic living in poverty are females age 18-24, followed by females age 25-34, and then males age 18-24.
The Census Bureau uses a set of money income thresholds that vary by family size and composition to determine who classifies as impoverished. If a family’s total income is less than the family’s threshold than that family and every individual in it is considered to be living in poverty.
Poverty by Race and Ethnicity
How do race and ethnicity coincide with poverty in San Jose?
The most common racial or ethnic group living below the poverty line in San Jose, California is Hispanic, followed by white and Asian.
Here are the specific numbers of people living in poverty:
- Hispanic: 46,009
- White: 34,777
- Asian: 30,291
Employment by Occupations
From 2016 to 2017, employment in San Jose, CA grew at a rate of 2.97 percent, from 528,000 employees to 544,000 employees.
The most common job groups in San Jose are management occupations (66,166 people), office and administrative support occupations (58,313 people), and computer and mathematical occupations (46,389 people).
Compared to other places, San Jose has an unusually high number of residents working in architecture and engineering occupations (2.74 times higher than expected), computer and mathematical occupations (2.68 times), and personal care and service occupations (1.27 times). Enter your zip code below to view companies that have cheap auto insurance rates. Secured with SHA-256 Encryption
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Driving in San Jose
Even if you know a city like the back of your hand, it doesn’t mean that driving through that city will always be a breeze.
Whether you’ve lived in San Jose for 20 years or you’re visiting for two days, it’s important to know the fastest routes in the city so that you can maximize your time and your gas-saving potential while avoiding any traffic or road construction.
Roads in San Jose
From highways and backroads to road construction and traffic updates, we’ve got you covered.
Pay attention as we trek through this next section about roads in San Jose.
California has 12 active routes running through the state, comprising a total of 2,457.34 miles of roadway. These active interstates include:
- I-5, I-8, I-10, I-15, I-40, I-80
- I-105, I-205, I-305, I-405, I-505, I-605, I-805, I-905, I-110, I-210, I-710, I-215, I-238, I-280, I-380, I-580, I-680, I-780, I-880, I-980
Some of the freeways in and around San Jose are called expressways:
- Foothill Expressway (G5)
- Lawrence Expressway (G2)
- Montague Expressway (G4)
- San Tomas Expressway (G4)
- Almaden Expressway (G8)
Here’s what City-Data has to say about toll roads in northern California and around the San Jose area:
“The express lane, which stretches 14 miles from Highway 84 to Highway 237 in the southbound direction, operates between 5 a.m. and 8 p.m., charging a minimum toll of 30 cents and a maximum of whatever it takes to keep the lane moving at 50 mph or faster — probably a maximum of $4 to $6, according to express lane officials.
Cars carrying at least two people qualify as carpools, and are always free.”
To use the express lane, solo drivers are required to have a FasTrak transponder to pay the toll. It’s collected using overhead antennas at three entry and exit locations along the 14-mile lane.
Carpoolers who have FasTrak transponders need to remove them from their windshield and place them in Mylar bags to avoid being charged. Drivers who tossed out the bags mailed to them when they enrolled in FasTrak can get new ones by going online to www.bayareafastrak.com.
Drivers would be well advised to get used to the idea of express lanes, as more are coming soon. In the next year, lanes will open on eastbound Interstate 580 in the Tri-Valley and at the Highway 237/Interstate 880 connection in San Jose.
Eventually, the Metropolitan Transportation Commission hopes to ring the bay and crisscross the region with 800 miles of shared carpool toll lanes.
Popular Road Trips/Sites
Are you looking for some fun things to do in San Jose, California?
This gorgeous city located in northern California has no shortage of things to do, places to go, and restaurants to enjoy.
The following information is brought to you by Trip Advisor.
- Put your shopping hat on: Shop til you drop on Santana Row in downtown San Jose. Santana Row is Silicon Valley’s premier outdoor destination for shopping, dining, living, and working. Surrounded by landscaped gardens, parks, and plazas, Santana Row features over 50 shops, 30 restaurants, and a 212-room boutique hotel.
- Winchester Mystery House: The Winchester Mystery House is the beautiful but bizarre mansion of Sarah Winchester. Haunted by the spirits of Winchester rifle victims, Mrs. Winchester built the Victorian mansion with many odd and mysterious features. Daily guided tours are available at the estate.
- The Tech Interactive: With 132,000 square feet of fun, hands-on experiences and one-of-a-kind floor programs, the Tech unleashes your creative spark. Enjoy the largest IMAX dome screen in the West and the first in the world with a 4K laser projector. You’ll see amazing documentaries come to life on an eight-story-high screen with a digital surround-sound system.
- Japantown: Check out this quaint neighborhood with Japanese restaurants, shops, and other attractions.
- Haberdasher: This craft-focused bar serves some of the area’s best cocktails in a uniquely inviting underground location. They stand firmly against the notion that great cocktails can only come from snooty, mustachioed mixologists and invite you to experience their hospitality and enjoy anything between a hand-shaken classic, and an Old Fashioned on a 3″ clear ice cube.
What are the road conditions like in San Jose?
According to the table above, the road conditions in San Jose cost the average driver almost $1,000 per year.
For more traffic alerts and road construction updates in San Jose, visit San Jose Downtown Association’s webpage here.
Does your city use speeding or red light cameras?
There are eight red light cameras in San Jose, at the following locations:
- E Campbell Ave & S Bascom Ave 1
- E Campbell Ave & S Bascom Ave 2
- E Homestead Rd & S Wolfe Rd
- E Homestead Rd & Sunnyvale Saratoga Rd-N de Anza Blvd 1
- E Homestead Rd & Sunnyvale Saratoga Rd-N de Anza Blvd 2
- N-S 1st St & E-W Santa Clara St
- S 7th St & E Virginia St-Junipero Serra Fwy
- Trinidad Dr & Lazy River Way
Speeding cameras could be on the table again in the San Jose area.
The National Highway Traffic Safety Administration reports that fixed speed cameras reduce injury crashes by 20 to 25 percent, and mobile speed cameras reduced injury collisions by 21 to 51 percent.
About 140 cities across the United States have automated speed enforcement programs, but these are not currently legal in California and a change to state law would be required to use this technology.
Vehicles in San Jose
Every city tends to have at least one vehicle that is more popular than any other. In this next section, we’ll talk about vehicle ownership, vehicle theft, speed traps, crime, and more.
Most Popular Vehicles Owned
According to Your Mechanic, the most popular vehicle owned in Northen California is the Toyota Prius.
The 2018 Toyota Prius’ safety features won it a 2018 Top Safety Pick+ award from the IIHS and a 5-star rating from the NHTSA.
According to U.S. News, the 2020 Toyota Prius builds on what previous Prius models did well. It gets stellar gas mileage while providing a comfortable interior and smooth ride. There are some new infotainment features this year, but the technology is still easy to use. If you’re looking for an efficient, practical hybrid, then the Prius is tough to beat.
How many cars per household?
According to Data USA, the average household in San Jose owns two cars.
Households Without a Car
Even though most households in San Jose own two or more vehicles, some households don’t own a car at all.
The data below from 2015 and 2016 illustrates the percentage of households that rely on methods of transportation other than a car.
The data above shows that the number of households without a car decreased from 2015 to 2016 from 5.5 percent to 5.1 percent.
The number of vehicles per household also increased from 2015 to 2016.
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Speed Traps in San Jose
Have you ever been driving along, minding your own business and following the speed of traffic, when suddenly you see lights behind you? They are blue and red, extremely familiar, and you just know it — you’re about to be pulled over.
Long story short, you’ve fallen victim to a speed trap and you end up receiving a ticket for speeding.
Thankfully, San Jose, California is not on the list of The 10 Worst California Speed Trap Cities. With that said, better to be safe than sorry.
Even if the flow of traffic is going over the speed limit posted in the area you are driving, it’s always better to follow speed limits and traffic laws so you can avoid being pulled over.
Vehicle Theft in San Jose
How safe is your vehicle from theft in San Jose, California? According to the FBI, there were 7,704 reported motor vehicle thefts in the city in 2018.
According to Neighborhood Scout, the safest neighborhoods in San Jose, California, are as follows:
- Aborn Rd / Quimby Rd
- English Town
- Silver Creek Rd / Country Club Pky
- Almaden Expy / Via Valiente
- Quimby Rd / Chaboya Rd
- Johnson Ave / W Walbrook Dr
- Miller Ave / Rainbow Dr
- Prospect Rd / S Blaney Ave
- Elwood Rd / Trinidad Dr
The safest areas are marked in light purple on the map of San Jose below. The dark purple areas show the city’s most dangerous areas.
Neighborhood Scout also revealed that your chances of becoming a victim of violent crime in San Jose are approximately 4.38 per 1,000 residents. This is lower than the statewide figure, which puts residents at a 4.47 per 1,000 chance of being a victim of violent crime.
San Jose is only safer than 15 percent of cities across the country. The city ranks number 15 in Neighborhood Scout’s crime index, with 100 being the absolute safest.
The table below illustrates the incidents of violent crime in San Jose, California in 2017 alone.
|San Jose Violent Crimes||MURDER||RAPE||ROBBERY||ASSAULT|
|Rate per 1,000||0.03||0.61||1.57||2.17|
Below are San Jose’s total annual number of crimes for the year 2017.
|San Jose Annual Crimes||VIOLENT||PROPERTY||TOTAL|
|Number of Crimes||4,510||26,261||30,771|
(per 1,000 residents)
Since San Jose is only 15 percent safer than all U.S. cities, it might be a good idea to look for a safe neighborhood to live in if you’re considering moving to the city.
Now that we’ve gone over data like crime and road conditions, it’s time to get into some traffic statistics. Let’s take a look at San Jose’s busiest highways, traffic congestion, and more in this next section.
Traffic Congestion in California
Getting stuck in traffic isn’t fun. But there’s good news for San Jose drivers. The city wasn’t on Inrix’s list of the U.S. locations with the heaviest traffic.
However, TomTom ranks San Jose as the 80th worst city in the world for traffic.
While you probably won’t spend hours sitting in traffic in San Jose, be prepared to spend a few extra minutes while on your daily commute.
We know that drivers in San Jose don’t spend a lot of time in traffic, but how much time do they actually spend on their daily commute?
According to Data USA, using averages, employees in San Jose, California, have a longer commute time (30 minutes) than the normal U.S. worker (25.5 minutes). Additionally, 3.05 percent of the workforce in San Jose have “super commutes” in excess of 90 minutes.
But what is the most common method of travel in San Jose?
In 2017, the most common method of travel for workers in San Jose, California was to drive alone (75.4 percent), followed by those who carpooled (11.9 percent), and those who used the public transit system (5.01 percent).
According to the Federal Highway Administration, the busiest highway in San Jose, California is I-280.
The table below shows vehicle delay data from Caltrans.
|Route Number||County||Vehicle Hours of Delay (VHD) Rank||Annual Vehicle Hours of Delay (VHD) at 35 miles per hour (mph)||Annual Vehicle Miles Traveled (VMT)||Number of Incidents||Incidents/ Day||Incidents/ million VMT|
How Safe are San Jose’s Streets and Roads?
So far we’ve talked about San Jose’s crime rates, but how safe are the city’s streets and roads?
In this next section, we’ll go over San Jose’s crash fatality statistics. The National Highway Traffic Safety Administration’s (NHTSA) 2018 study reported the safety conditions and fatal crashes in Santa Clara County (San Jose) that year.
To begin, let’s take a look at the total number of fatal crashes in Santa Clara County in 2018.
Per 100,000 Population
|Santa Clara County||106||133||114||117||111||5.6||6.94||5.91||6.05||5.73|
The data from the table above tells us that there are an average of 116.2 traffic fatalities every year in Santa Clara County.
Next, let’s look at traffic fatalities caused by an alcohol-impaired driver.
Per 100,000 Population
|Santa Clara County||36||30||36||28||22||1.9||1.56||1.87||1.45||1.14|
There were 22 fatalities involving an alcohol-impaired driver in 2018.
Next, let’s look at single-vehicle crash fatality rates in Santa Clara County from 2014–2018.
|2015||2016||2017||2018||Fatalities Per 100,000 Population|
|Santa Clara County||60||89||75||70||70||3.17||4.64||3.89||3.62||3.61|
According to the data above, there were 80 single-vehicle crash fatalities in 2018.
The table below reveals fatality rates from 2014–2018. These traffic fatalities resulted from speeding or involved roadway departures and intersections in Santa Clara County.
|2015||2016||2017||2018||Fatalities Per 100,000 Population|
|Involving a Roadway Departure||37||57||55||47||32||1.95||2.97||2.85||2.43||1.65|
|Involving an Intersection (or intersection related)||26||41||32||42||37||1.37||2.14||1.66||2.17||1.91|
In 2018 in Santa Clara County, there were 34 fatalities resulting from speeding, 32 from roadway departures, and 37 involving an intersection.
The table below illustrates the total fatalities in Santa Clara County in 2018 by person type.
|2015||2016||2017||2018||Fatalities Per 100,000 Population|
|Passenger Car Occupant||43||47||37||39||30||2.27||2.45||1.92||2.02||1.55|
In 2018, there were 30 passenger car occupant fatalities, 39 pedestrian fatalities, and eight pedal-cyclist fatalities in San Jose, California.
Next, let’s take a look at interstates with the most fatal crashes.
|California Road Type||Fatal Crashes|
|Freeway and Expressway||498|
|Total Fatal Crashes||3,259|
According to the NHTSA, most fatal crashes occur on minor arterial roads.
An arterial road is just a high-capacity urban road. A road is categorized as a highway or a minor arterial road depending on how much traffic is filtering through the area.
Collector roads gather traffic from local roadways and direct motorists to arterial roadways. As you may have noted from the data above, the most significant proportion of fatal crashes in California take place on roads categorized as “other,” with the second-highest fatality collisions occurring on minor arterial roads.
Allstate America’s Best Drivers Report
Have you ever wondered how drivers in your city measure up to drivers across the country?
According to Allstate’s Best Drivers in America Report, San Jose, California is the 170th safest city in the country for driving as of 2019.
In San Jose, California the likelihood of a claim being made compared to the national average is 45.6 percent. Residents of San Jose typically have an average of 7.3 years between claims.
Seven years is a long time to go without getting into an accident or filing a claim, so that average is good news for San Jose drivers.
What ridesharing services are available in San Jose?
According to RideGuru, these are the services available in San Jose:
- Blacklane: When you order a Blacklane car, a luxury vehicle with seating for 1-5 people will pick you up.
- Carmel: When you order a Carmel car you have the choice of riding in a sedan, minivan, stretch limousine, SUV, or SUV super-stretch limo.
- Curb: Hail and pay for a traditional taxi through the Curb app. Curb offers taxi drivers a way to get more business during slower times. Curb was formerly known as TaxiMagic.
- HopSkipDrive: When you order a HopSkipDrive car for your children, a vehicle with seating for four to seven passengers will arrive to pick up your kids. All vehicles driven by HopSkipDrive drivers must be newer than 10 years old and drivers must pass a rigorous background check.
- SuperShuttle: When you order a SuperShuttle, a shuttle or black car (depending on which service you order) will pick you up. SuperShuttle has reservation options for one–10 passengers.
- Talixo: When you book a Talixo car, you will have the option of choosing an economy, business, or luxury class vehicle for a variety of price points. Talixo’s cars come in various sizes, with their largest size accommodating up to seven passengers.
EStar Repair Shops
Are you in need of vehicle repair work? Estar by Esurance could save you money and time. EStar is an Esurance-sponsored program that helps drivers find the best repair shops in their area.
Check out the top 10 repair shops in San Jose, California, according to EStar.
|Shop Name||Address||Contact Information|
|ANDERSON BEHEL BODY SHOP||750 ALDO AVE|
SANTA CLARA CA 95054
P: (408) 988-4011
F: (408) 884-2408
|ARSEEN AUTO BODY||1655 LITTLE ORCHARD STREET|
SAN JOSE CA 95125
P: (408) 295-6171
F: (408) 295-4840
|CALIBER - MILPITAS||1416 S MAIN ST|
MILPITAS CA 95035
P: (408) 263-9999
F: (408) 263-6402
|CALIBER - SOUTH MOUNTAIN VIEW||177 EAST EVELYN AVE.|
MOUNTAIN VIEW CA 94041
P: (650) 965-1440
F: (650) 965-0228
|CALIBER - SUNNYVALE EAST||904 E. ARQUES AVE.|
SUNNYVALE CA 94085
P: (408) 400-2440
F: (408) 400-2430
|PAN AMERICAN COLLISION CENTER CUPERTINO||10218 IMPERIAL AVE|
CUPERTINO CA 95014
P: (408) 418-2090
F: (408) 418-2091
|PAN AMERICAN COLLISION CENTER LOS GATOS||657 Industrial Way|
Los Gatos CA 95030
P: (408) 289-8855
F: (408) 402-3821
|PAN AMERICAN COLLISION CENTER SAN JOSE||555 Burke St|
SAN JOSE CA 95112
P: (408) 289-8745
F: (408) 289-8301
|PAN AMERICAN COLLISION CERTIFIED||533 Burke St|
San Jose CA 95112
P: (408) 289-8745
|SERVICE KING SOUTH SAN JOSE||1985 Kyle Park Court|
SAN JOSE CA 95125
P: (408) 297-9030
F: (408) 297-9042
Wondering what the weather is like in San Jose?
Here are the average temperatures in San Jose, according to U.S. Climate Data.
|San Jose Weather||Details|
|Annual High Temperature||72.6 F|
|Annual Low Temperature||50.5 F|
|Average Temperature||61.55 F|
|Average Annual Precipitation (Rainfall)||15.09 inches|
Weather is an important factor in the cost of your car insurance. But what about the natural disaster rate?
Natural disasters in your area could also dramatically impact the type of coverage you require.
According to City-Data, Santa Clara County has experienced 15 total natural disasters, which is higher than the nationwide average of 13. A total of 10 of the natural disasters in Broward County were declared by the president as major disasters, while three were declared to be emergencies.
The causes of these natural disasters were as follows:
- Floods: Seven
- Fires: Four
- Storms: Four
- Winter Storms: Three
- Landslides: Two
- Drought: One
- Earthquake: One
- Freeze: One
- Hurricane: One
- Mudslide: One
- Tornado: One
Note that some natural disasters may fall into more than one of the categories above.
But how do you protect your vehicle in the event of one of these natural disasters?
Comprehensive coverage will cover the costs of repairs, damages, and replacements if and when your vehicle is damaged or totaled because of a natural disaster.
Watch the video below for more information on comprehensive coverage.
Comprehensive coverage isn’t cheap. But if you can afford the extra $50–$100 a month, it could save you thousands of dollars in vehicle repairs or replacements in the long run.
If you’re looking for an alternative way to travel in and around the city of San Jose, make sure you check out the Valley Transportation Authority.
Before you ride the Rapid 500 bus, get a Clipper Card. A Clipper card makes it easy and affordable to ride VTA with free two-hour transfers. You can load a monthly pass onto your card, as well as cash value for single rides or a day pass.
Download VTA EZfare to purchase passes for special events, day passes, and single-ride fares with two hours of free transfers. SmartPass is a deeply-discounted annual calendar-year pass that institutions can provide to employees, residents, or students.
For more information about how to plan your trip around San Jose using the VTA, please visit their homepage at vta.org.
Have you heard of electric scooters?
According to a recent article, electric scooters from sharing companies like Bird and Lime have become very popular recently in San Jose, California.
You can start riding many electric scooters for $1, and then pay 15 cents a minute thereafter. A two-mile ride takes about 10 minutes and costs less than $3. When you’re done, you don’t have to take it inside or even plug it in; just leave it in a public space where it doesn’t block traffic.
Scooter companies also have to get proper insurance to protect the city from any potential legal claims.
Under the new ordinance, the state will also require scooter companies to limit the speeds of their scooters to 12 miles per hour. Lastly, the city and scooter-sharing companies will have to work together to keep scooters off sidewalks.
There are a few other stipulations. To remain on San Jose streets in the future, sharing companies will also have to:
- Offer 24-hour customer service in English, Vietnamese, and Spanish
- Respond to calls of improperly parked scooters within 2 hours
- Redistribute their scooters so they are spread equally throughout the city, including the low-income areas of town
- Offer discounts to those with low incomes
- Collect and share data with the city about the number of devices operating on city streets and the trips riders take
Parking in Metro Areas
There are around 2,600 metered on-street parking spaces located around the downtown area, Japantown, San José State University, and the county civic center areas.
The city of San Jose also operates and maintains the following:
- Eight parking garages
- Seven surface lots
- Approximately 7,250 public parking spaces located primarily downtown
For information about a specific facility or to obtain monthly parking, contact the city’s parking operator, SP Plus, at (408) 794-1090, or explore the downtown parking map.
Visit the downtown parking website for more information.
Are you always looking for a place to charge your electric car?
According to ChargeHub, there’s a whole range of charging stations in the city of San Jose — 1,546 Level Two charging stations and 212 Level Three charging stations are installed within 10 miles of San Jose.
Air Quality in San Jose
Car engines used to release many toxic fumes into the air. While this is less of a concern today thanks to emissions testing, it’s still important to know how clean the air is in your city.
The following table indicates the air quality in San Jose, based on the Environmental Protection Agency’s reports from 2017–2019.
|San Jose Air Quality Index||2017||2018||2019|
|Days with AQI||365||365||305|
|Days Unhealthy for Sensitive Groups||9||7||4|
|Days Very Unhealthy||0||0||0|
As you can see, there were very few days in San Jose when the air was rated “unhealthy.”
If you currently serve in the military or you’re a veteran, you could qualify for some major car insurance discounts. But before we get into specific military discounts and benefits, let’s talk about some military statistics in the San Jose area.
According to Data USA, San Jose, California has a large population of military personnel who served in Vietnam: 2.42 times the number of vets from any other conflict.
Veterans by Service Period
About 9,273 veterans living in San Jose served in the Vietnam War. The second Gulf War was the second most common service period, with 3,838 residents having served in that conflict. Military personnel who served in the first Gulf War were the third most common service period, with 3,158 residents having served in that conflict.
Militrary Bases Within an Hour
How many military bases are located near San Jose, California?
There are 24 military bases in the state of California. The Naval Postgraduate School is located in the city of San Jose. The Travis Airforce Base is in Sacramento and the Coast Guard Training Center is just north of San Francisco.
Military Discounts by Providers
Check out the table below to see the insurance providers that offer military discounts.
|Insurer||Percentage Saved with Discount|
|Allstate||Adjusted at time of purchase|
|Farmers||Adjusted at time of purchase|
|Safeco||Adjusted at time of purchase|
|State Farm||Adjusted at time of purchase|
|The General||Adjusted at time of purchase|
|USAA||Adjusted at time of purchase|
USAA also offers discounts for military garages to hold vehicles on base.
Not every company openly releases the total percentage consumers can save with a military discount, which is why some of the carriers listed above are marked “adjusted at the time of purchase” in the percentage category.
However, these companies do still offer military discounts, so if you’re considering any of the carriers above, you can speak with an agent for more information.
No matter where you look for car insurance coverage as a veteran or active military member, USAA typically has the cheapest rates.
You can see their average rate compared to averages from other companies in the table below.
USAA Available in California
If you live in San Jose and you’re an active or retired member of the military, you can expect to pay an average of about $2,652 per year for your car insurance policy if you choose to do business with USAA.
Unique City Laws
Like every big city, San Jose has its own unique vibe, personality, and lifestyle. Before we let you go, we want to touch on a few major unique city laws that San Jose residents are required to abide by.
California has several laws banning the use of cellphones while behind the wheel. The first two laws prohibit all drivers from using handheld wireless phones or cellphones and drivers under 18 years old from using hands-free cellphones. A third law bans texting and other wireless device use while driving.
Are you thinking about opening a food truck business in San Jose?
To serve the general public, the food truck, or mobile food facility (MFF), must have a county health permit.
As the county of Santa Clara maintains close communication with other jurisdictions, please note you will be unable to operate in Santa Clara County if your mobile food permit is suspended by another county or city jurisdiction. MFF owners must visit the cities in which they plan to operate and obtain permits if required.
For more information about food trucks, please visit the County of Santa Clara Consumer Protection Division.
Do you own a tiny home in San Jose?
According to Nolo, whether California law will allow a tiny house on wheels (“THOW”) in your backyard will depend on several factors.
These include what the primary use of the tiny house is, local policies and regulations on tiny houses, and the building and safety standards that apply to the construction of a THOW.
On Dec. 17, 2019, the City Council approved easing accessory dwelling units (ADUs) requirements to align with new state laws. The City Council in San Jose is updating the ADU Universal Checklist and website to reflect these changes. Visit the Secondary Unit Ordinance webpage to see the new changes.
Are you wondering where and how to park in San Jose?
See below for a list of parking regulations as reported by the city of San Jose.
Residents and visitors must abide by the following laws:
- Meter Violation (SJMC 11.40.090) – The majority of metered parking is one or two hours. However, some meters are short term (12 or 30 minutes), and others offer long-term parking (four hours and up). Carefully read posted signs at meters.
- No Parking for Street Cleaning or Construction (SJMC 11.36.190) – Certain streets have permanent or temporary signs posted for street cleaning/sweeping, or for construction projects. Take note of dates and times of posted parking restrictions.
- Fire Hydrant (CVC 22514) – State law prohibits parking within 15 feet of a fire hydrant, whether the adjacent curb is marked red or not. Park at least one car length away from fire hydrants.
- Parking on or Blocking Sidewalk (CVC 22500 f) – Vehicles may not block or park on or across a sidewalk or walkway intended for pedestrian travel.
- Resident Parking Permit (SJMC 11.48.300) – Some neighborhoods are restricted for resident parking only. Signs are posted indicating when and where a Residential Parking Permit is required to park.
- Out of Space (SJMC 11.40.350/metered; SJMC 11.16.120/non-metered) – When parking spaces are delineated by pavement markings, vehicles must park within the designated markings.
- Parking in Intersection (CVC 22500A) – State law prohibits parking within an intersection. Be careful not to park along a street corner, or block a crosswalk, whether painted or not.
- No Parking Certain Times (SJMC 11.36.260) – Some streets prohibit parking at certain times, such as No Parking 10 PM–6 AM. Be careful to read all posted signs.
- Parking Excess of Time Limit (SJMC 11.36.250) – Many business districts and school zones have parking time limits to support turnover of the curbside parking spaces, based upon the specific needs of the area businesses or school. Time zones may vary, so be careful to read all posted signs.
- Use of Streets for Storage (SJMC 11.36.220) – Vehicles may not be parked on the street for more than 72 hours without movement.
- Parked On Parkway (SJMC 11.36.060) – A vehicle may not park in an area between the curb and sidewalk, whether paved or unpaved. This area is commonly referred to as a parkstrip.
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San Jose Car Insurance FAQs
Keep scrolling for a quick car insurance Q & A breakdown that every driver in San Jose needs should read before getting behind the wheel again.
What are the state minimums for car insurance in California?
The bare minimum car insurance coverage that you must carry to comply with the law in the Golden State is:
- $15,000 – Bodily injury liability per person
- $30,000 – Total bodily injury liability per accident
- $5,000 – Property damage liability
How do I get my driver’s license reinstated?
Your driver’s license can be suspended for a number of reasons in California, including such things as a failed vision test, a lapse in insurance coverage, or a DUI.
In order to get your driver’s license reinstated in Californa, you must complete the suspension period, pay the reinstatement fee, and provide the proper documentation depending on your infraction.
Do I need car insurance if I don’t own a car?
The short answer is no, you don’t. However, if you ever plan on getting behind the wheel of someone else’s vehicle, you should carry some kind of car insurance policy.
It’s always a good idea to cover all your bases.
What do I do if I get into an accident in San Jose?
According to California Vehicle Code section 20008, the driver of any vehicle (or a representative of that driver) involved in a car accident must, within 24 hours, make a written report of the crash to the California Highway Patrol or to the police department of the city where the accident occurred, if the crash resulted in injuries or death of any person.
If the agency that receives the report is not responsible for investigating the accident, that agency will forward the matter to the proper investigating authority.
What are the school districts in San Jose?
Well, that’s all we have for you today. Now that we’ve shared all of the important information about car insurance in San Jose, California, it’s time to start shopping for your own policy.
To begin, use our free comparison tool by entering your ZIP code in the box below.