San Jose Auto Insurance


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The largest city in the Bay Area and the heart of Silicon Valley is home to nearly 1.2 million registered drivers in Santa Clara county. Combined with the large number of registrations in the surrounding Bay Area, it makes for an increased likelihood of a vehicular incident. Here is a brief look at some auto-related statistics for San Jos�, California:

  • 2,969 auto accidents in 2008
  • 8,166 vehicle thefts in 2009
  • Average commute time of 24.6 minutes
  • 18% of drivers are uninsured

San Jos� has a disproportionately high number of auto accidents for its population size, so driving in the Shark City makes comprehensive San Jos� auto insurance a necessity. In order to properly register your automobile in San Jos�, minimum standard auto insurance must be purchased from a California Insurance Department licensed insurer. California Department of Motor Vehicles requires liability insurance in order to register and operate a vehicle. The minimum requirements in order to register an automobile and receive license plates include the following:

  • Bodily Injury Liability
  • Property Damage Liability

All California registered drivers must have at least minimum liability coverage, with severe penalties for being an uninsured driver. Coverage beyond collision, uninsured motorist, and medical payment insurance are not required. Bodily injury liability coverage provides $15,000 for the death or injury of any one person and $30,000 for all persons involved. Property damage liability provides $5,000 for any one accident. Liability insurance covers the driver's legal liability for bodily injury and property damage.

California drivers who cannot financially meet the minimum requirements for auto insurance have the option of enrolling in the Low Cost Auto Insurance Program. Designed to reduce the high numbers of uninsured drivers, the program provides low income, good drivers with an affordable auto insurance option. For more information, call (866) 602-8861. It is important to remember to shop for low prices as well as quality service. It is the driver's responsibility to determine the amount and types of coverage needed. Always carry proof of insurance in your insured vehicle. San Jos� auto insurance quotes can be found here at SmartAutoInsurance.com.

Principal Department of Motor Vehicles locations are listed here:

  • 111 W. Alma Ave., San Jos�, 95110
  • 600 N. Santa Cruz Ave., Los Gatos 95030
  • 4200 Capitola Rd., Capitola 95010
  • 180 Martinvale Lane, San Jose 95119
  • 6984 Chestnut Street Suite A, Gilroy 95020
  • 90 Alta Vista Ave., Watsonville 95076
  • 3665 Flora Vista Ave., Santa Clara 95051
  • 300 Brewster Ave., Redwood City 94063

The phone number for the Department of Motor Vehicles is (800) 777-0133