Car Insurance in San Jose, CA

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Mercury Car Insurance in 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.

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:

$15,000 for injury/death to one person.
$30,000 for injury/death to more than one person.
$5,000 for property damage.

This basic coverage, often referred to as 15/30/5 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.

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. Discover 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 sample size of the discounts we offer. Speak with a Mercury agent to find out which discounts you qualify for based on your specific circumstances.

Bundling with Mercury

By bundling auto insurance with either home insurance or renters insurance, you not only simplify your insurance management but also enjoy substantial savings.

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.

San Jose Car Insurance FAQ

Is car insurance high in San Jose?

According to Value Penguin, the average cost of car insurance in San Jose is $48 per month for minimum coverage and $127 per month for full coverage. These costs are lower than the national averages of $64 per month for minimum coverage and $164 per month for full coverage.

How to find the cheapest car insurance in San Jose?

Securing affordable car insurance in San Jose is easier than you think, especially when you choose Mercury Insurance. Known for offering some of the most competitive rates and extensive coverage options, Mercury makes it simple to find a policy that fits both your needs and your budget. Speak with a local agent to learn more about how we can help you save on car insurance while keeping you safe on the road.

How do I find a Mercury Agent in San Jose?

Visit the California Insurance Agents page to find an agent in your area.

What products does Mercury offer in San Jose?

Here are some of the products Mercury offers to San Jose residents: