Car Insurance in San Jose, CA

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Auto Insurance San Jose

Secure quality coverage in San Jose with auto insurance from Mercury. Whether it’s a commute to Silicon Valley or a drive down the scenic San Jose foothills, our policies include coverage options that help ensure peace of mind for every journey. Plus, Californians save an average of $1,008 with Mercury Insurance¹—so you get the protection you need at a price that fits your budget.

¹Savings info. based on 2024 CA Department of Insurance rate comparison. Individual savings may vary.

Why Choose Mercury in San Jose?

Local knowledge: Our local agents are part of the San Jose community and understand the area’s unique challenges.
Customizable plans: Tailor your policy to match your needs, from liability to comprehensive coverage.
Competitive pricing: Get premium coverage at affordable rates without compromising quality.
Exceptional customer service: Whether you have a question or need to file a claim, our dedicated support team is here for you around the clock.

Sad woman talking on cell phone near wrecked car

Is Auto Insurance Mandatory in San Jose?

Yes, auto insurance is mandatory in San Jose, as it is throughout California. The state requires all drivers to have a minimum level of auto insurance to operate a vehicle legally.

Legal Requirements in San Jose

According to the California Department of Motor Vehicles, the state mandates that all drivers carry at least the following minimum liability insurance coverage:

$30,000 for injury/death to one person.
$60,000 for injury/death to more than one person.
$15,000 for property damage.

This basic coverage, often referred to as 30/60/15 coverage, is designed to protect you financially if you’re at fault in an accident. It covers the costs associated with injuries to others and damage to their property, but it does not cover your own vehicle or injuries. Driving without this minimum insurance can result in severe penalties, including fines and driver’s license suspension.

Optional Car Insurance in San Jose

While the law requires only basic liability coverage, several optional insurance coverages are available to provide additional protection. These include:

Collision insurance: Helps cover the cost of repairs to your vehicle after an accident, regardless of who is at fault.
Comprehensive insurance: Covers damage to your vehicle caused by non-collision events, such as theft, fire, or natural disasters.
Uninsured/underinsured motorist coverage: Provides protection if you’re involved in an accident with a driver who either lacks sufficient insurance or doesn’t have insurance.
Medical payments coverage: Helps pay for medical expenses for you and your passengers, regardless of fault.
Personal injury protection (PIP): PIP often includes broader coverage than medical payments coverage, such as lost wages and rehabilitation costs.

What Does San Jose Auto Insurance Not Cover?

While auto insurance provides essential protection for drivers in San Jose, there are certain scenarios and items that standard policies typically don’t cover. Here are some common exclusions:

Personal belongings: If items like smartphones, laptops, or other valuables are stolen or damaged while in your car, they generally will not be covered under a standard auto insurance policy. Consider a homeowners or renters insurance policy that includes off-premises coverage for these items.
Wear and tear: Auto insurance doesn’t cover maintenance issues due to normal wear and tear on a vehicle.
Intentional damage: Any intentional damage you cause to your vehicle is not covered under an auto insurance policy.
Commercial use: Standard auto insurance policies don’t cover vehicles used for commercial purposes, such as ridesharing or delivery services. If you use your vehicle for business, you’ll likely need a separate business auto insurance policy.

How to Get Car Insurance in San Jose

Getting car insurance in San Jose is quick and hassle-free with Mercury Insurance. Whether you need basic liability protection or full coverage auto insurance, our expert local agents are here to help you find the right policy at the right price.

Get started with a quote today by contacting a California insurance agent, or call us at (877) 292-9762.

Portrait of woman enjoying road trip in open top classic car

Get Cheap Auto Insurance in San Jose from Mercury

Finding affordable auto insurance in San Jose doesn’t mean you have to compromise on coverage. Mercury offers cheap rates and a variety of discounts that can help lower your premiums significantly. In fact, Californians save an average of $1,008 with Mercury. ¹Discover how you can save money while still enjoying comprehensive protection on the road.

Save More with Discounts

Mercury provides numerous discounts to help reduce your car insurance costs without sacrificing quality. Here are a few ways you can save:

Good driver discount: Stay accident-free and reap the benefits of lower premiums.
Multi-car discount: Insure more than one vehicle with Mercury to save on your car insurance.
Anti-theft device discount: Equip your car with approved anti-theft devices that can lead to substantial savings.
Good student discount: Full-time students with good academic records can qualify for reduced rates.

These are just a few of the many ways to save. Speak with a Mercury agent to find out which discounts apply to you.

Bundling with Mercury

By bundling auto insurance with either home insurance or renters insurance, you could save up to 17.9% on your homeowners policy and up to 14.5% on your auto policy.

San Jose home insurance: Protect your home and personal belongings against unexpected events while enjoying lower home and auto insurance premiums.
San Jose renters insurance: Bundling your car insurance with renters insurance provides an affordable way to protect your belongings and liability without breaking the bank. Our renters insurance covers everything from personal property to temporary living expenses, giving you peace of mind in your rental space.

Top Rated Auto Insurance in San Jose

For over 60 years, Mercury Insurance has been a trusted name for California drivers, delivering affordable, high-quality coverage with award-winning customer service. Our commitment to reliability and savings has earned us recognition for trustworthiness, customer satisfaction, and competitive pricing.

Millions of drivers have chosen Mercury for their auto and home insurance needs, and their experiences speak for themselves. From affordable rates to exceptional claims support, our customers know they can count on Mercury. Read about their experiences.