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2024

Last updated:

Best Local Car Insurance Agencies in San Jose

Our Recommended Top 17

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored San Jose Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

553

Reviewed

338

Curated

17

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
100 W El Camino Real Ste 82, Mountain View, CA 94040

Why choose this provider?

Ludwig & Fawcett Inc. in Mountain View, California, is an independent insurance agency that assists motorists seeking liability, comprehensive/collision, and other types of auto insurance in the greater San Jose area, Los Altos, Sunnyvale, Palo Alto, and San Francisco. Established in 1952, it draws on its partnerships with leading insurance companies around the country to help drivers compare rates and premiums and gives advice to help them understand their insurance needs.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.4 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1900 Camden Ave Ste 204, San Jose, CA 95124

Why choose this provider?

Founded in 2003, Let's Insure is an independent insurance agency in San Jose, California, serving clients throughout Silicon Valley. Drivers can choose an auto insurance policy with the coverages and limits that fits their needs, including liability, uninsured motorist, comprehensive, and property damage. Partnerships with carriers such as Travelers and The Hartford enable Let's Insure to write policies for truck, car, and motorcycle owners of all ages. The agency also offers travel and homeowners insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Yelp
5.0 / 5 (43)
Facebook
4.8 / 5 (29)
Google
4.8 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
201 Willow Street Ste 50, San Jose, CA 95110
  • Motorcyle & ATV

Why choose this provider?

Oasis Insurance Agency Inc. caters to clients in San Jose and the surrounding localities. The company exclusively offers local car insurance plans that can provide drivers with adequate financial coverage in the event of an accident, theft, and other unfortunate events. The team offers coverage options for bodily injury liability and property damage liability. The company also provides other products such as car sticker renovations and certificates of title registrations. The group has team members who speak Spanish.

License Verified:

License: 0C64551

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.3 / 5 (22)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4010 Moorpark Ave Ste 117, San Jose, CA 95117

Why choose this provider?

All Spectrum Insurance Brokers is a privately-owned, independent insurance brokerage with offices in San Jose and Roseville, California. It partners with a range of well-known insurance carriers such as The Hartford and Progressive to protect clients against legal and medical expenses resulting from injury, property damage, and deaths caused by car accidents. All Spectrum's policies include other vehicles, such as motorcycles and golf carts. The company also provides landlord and renters insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (54)
Google
5.0 / 5 (50)
Facebook
5.0 / 5 (19)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
8401 Church Street, Gilroy, CA 95020
  • Multiple Carriers
  • Bundling Option

Why choose this provider?

Gina Lopez is a State Farm insurance agent serving San Jose and other locations. Her car insurance provides unique coverage such as 24/7 roadside assistance and teen driver coverage for inexperienced drivers borrowing an insured client's car. It has rental car coverage to pay for a client's rental car when their vehicle is under repair due to an accident. Gina is an Army veteran with more than 22 years of experience helping people get the right insurance coverage.

License Verified:

License: 0G50062

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (26)
Yelp
4.5 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2250 North Fremont Street, San Jose, CA 93940
  • Multiple Carriers

Why choose this provider?

Since 1947, Cowell & Smith Insurance Agency - Monterey has been serving the needs of its clients in San Jose. It is a local family-owned and operated independent car insurance agency that is a member of the American Agents Alliance Insurance Association—a wide network of independent agencies with strong partnerships with top insurance companies. Cowell & Smith agents work with clients to find the right auto coverage at fair rates. It also offers policies for homeowners, renters, RVs, and small businesses.

License Verified:

License: 0676558

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1190 S Bascom Ave Ste 140, San Jose, CA 95128

Why choose this provider?

Bayshield Insurance is an independent auto insurance agency serving the residents of San Jose, California, that maintains relationships with more than 10 insurance carriers, including AmTrust, The Hartford, and National General. The company provides its clients with various policy and plan options chosen specifically to fit their needs. It sells collision and comprehensive insurance, as well as coverage for uninsured and underinsured motorists. Bayshield Insurance also sells home, life, and commercial insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (22)
Facebook
5.0 / 5 (16)
Google
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
990 Speak Lane Suite 220, San Jose, CA 95118
  • Bundling Option

Why choose this provider?

Dennis Wei is a State Farm agent based in San Jose who caters to the needs of new drivers, car collectors, and business travelers. He carries collision and comprehensive coverages, along with options for rentals and rideshares. Auto and home insurance bundles are also available. Other products he offers include renters', personal property, health, life, and business policies. Dennis and his team work to help individuals recover from unforeseen events, manage everyday risks, and pursue their goals.

License Verified:

License: 0F56141

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (4)
Yelp
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2570 N 1st St # 2, San Jose, CA 95131

Why choose this provider?

Joey Hernandez Insurance Solutions serves residents of San Jose. The agency assists drivers with SR22 requirements, license suspensions, and multiple violations, including reckless driving and operating under the influence of drugs or alcohol, in choosing their auto insurance policies. Its team of insurance agents guides clients throughout the application process, which involves filing the SR-22 certificate, meeting DMV requirements, and enrolling in DUI classes. It also offers SR22 insurance products from multiple companies, such as Progressive, Travelers, Geico, and Kemper.

License Verified:

License: 6009863

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (24)
Facebook
5.0 / 5 (9)
Yelp
4.5 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3114 Impala Dr. Ste B, San Jose, CA 95117
  • Motorcyle & ATV

Why choose this provider?

The independent agency Aseguranza De Auto serves car owners in San Jose and other surrounding areas. Its agents, who specialize in providing auto insurance, inform clients about the features available to them from providers like Allstate, Safeco, and Nationwide. They compare plans to present customers with their required coverages like car liability, bodily injury, property damage, or protection against uninsured drivers. Aseguranza De Auto is also a DMV-authorized provider of services like salvage title and registration renewal. It has staff members who speak Spanish.

License Verified:

License: 0L33869

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
4.9 / 5 (28)
Google
3.8 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
696 E Santa Clara Street, Suite 110, San Jose, CA 95112

Why choose this provider?

Rolando Suarez operates a local State Farm Insurance office in San Jose. He offers a wide range of products, including auto insurance. He and his team furnish policies covering collisions, natural disasters, fire, and theft. Additionally, they customize beneficial add-ons like emergency roadside service, uninsured and underinsured motorist protection, and liability coverage. Whether customers own a daily vehicle, an antique automobile, or a commercial car, the company has insurance solutions. Suarez opened his first agency in 2015, a decade after joining State Farm.

License Verified:

License: 0H30454

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (113)
Facebook
4.8 / 5 (30)
Yelp
4.5 / 5 (30)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1818 Tully Rd Ste 162A, San Jose, CA 95122

Why choose this provider?

PHP Insurance Services Inc. offers auto insurance services to clients in the San Jose, California, metro area. Assistance is available both to individuals and businesses needing policies for mandated and optional coverage areas. Its agents usually advise clients on advantageous agreements based on their personal needs and buying power in relation to rates offered by the providers it works with. In addition to automobiles, PHP Insurance Services Inc. also insures homes, businesses, health, and finances.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.1 / 5 (46)
Facebook
4.5 / 5 (43)
Yelp
3.5 / 5 (41)

Website
598 E. Santa Clara St. Ste 205, San Jose, CA 95112
  • Bundling Option

Why choose this provider?

StarOne Valley Insurance Agency is an independent broker that serves individuals, families, and businesses in San Jose and the surrounding communities. Through consultation and educational approach, its agents assist clients in finding the right coverage for their insurance needs. It offers car insurance plans for those seeking protection against liability and medical expenses in case of an accident. Other insurance plans available are home, health, life, personal and excess liability umbrellas, recreational vehicle, and business insurance.

License Verified:

License: 0G64896

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (13)
Yelp
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
28 N. First St. #209, San Jose, CA 95113

Why choose this provider?

Amila Insurance Service caters to clients throughout San Jose and its neighboring communities. It provides various types of insurance products, including vehicle insurance plans. It offers coverage for automobiles, motorcycles, classic cars, motorsport and ATVs, and RVs and motorhomes. It assists clients looking to acquire protection against a variety of risks, such as legal and medical expenses for sustained vehicular injuries. As an independent insurance agency, it represents multiple carriers and helps clients compare and choose the right level of coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1630 Oakland Rd # A205-1, San Jose, CA 95131

Why choose this provider?

SURE88 Insurance Brokers LLC is a licensed insurance brokerage in San Jose, California, that provides auto insurance. Founded in 2011, the agency specializes in providing online service for those seeking auto insurance, including coverage for vehicles used for business, empowering customers to shop for the products that best suit their needs and pocketbooks. SURE88 Insurance Brokers offers a variety of other insurance products, including coverage for business owners, general liability, and homeowners.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3750 McKee Rd Ste A, San Jose, CA 95127

Why choose this provider?

Khalsa Insurance Agency Inc. has been providing the residents of San Jose, California, and the surrounding area with auto insurance since 1992. As an independent company, it represents large insurance providers, including Foremost, Abram Interstate, and Alliance United, and offers auto insurance that covers clients' automobile damage and medical bills in the case of a vehicular collision or natural disaster. Khalsa Insurance Agency also provides life, homeowners, and renters insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.6 / 5 (143)
Facebook
4.6 / 5 (20)
Yelp
3.5 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
783 Rio Del Mar Boulevard, Aptos, CA 95003
  • Multiple Carriers

Why choose this provider?

Scurich Insurance Services is an independent insurance agency based in Watsonville and serving a variety of clients in San Jose and Monterey Bay area since 1924. The agency offers coverage for bodily injury and property damage for which the client is legally responsible, or caused by an accident, to clients or family members that reside with the clients and also uninsured and underinsured motorist coverage. Representing multiple carriers, Scurich Insurance also offers life, health, homeowners, and commercial insurance.

License Verified:

License: 0436405

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Frequently Asked Questions

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • How can a driver in San Jose be eligible under the California Low-Cost Automobile Insurance Program?

    A driver in San Jose can be eligible under the CLCA by meeting these requirements:

    • Have an annual income equal to or less than 250% of the federal poverty level.
    • Have a valid state license.
    • Own a car valued at $25,000 or lower.
    • Be at least 16 years old. Be informed that insurance premiums can be higher if there is a male member of the household between 19 and 24 years old.
  • Other than purchasing car insurance, how may the CA DMV require proof of financial responsibility for a car in San Jose?

    One of the ways the CA DMV will require proof of financial responsibility is for the car owner in San Jose to make a cash deposit of $35,000. For a company-owned car, a surety bond may be required. In addition, a DMV-issued self-insurance certificate may be required. For more information on making a cash deposit or obtaining a surety bond, call the DMV Financial Responsibility Unit at (916) 657-6520.

  • Can you request driver or vehicle records from the DMV in San Jose?

    Yes. To get driver or vehicle records, visit the DMV kiosk in Safeway at 300 W. San Carlos St., San Jose, CA 95126. Alternatively, go to the DMV Field Office at 111 W Alma Avenue, San Jose, CA 95110. If you are obtaining your own records, you should get them on the day of your visit. However, if you are getting it for someone else, your request needs to be approved first, and then the records will be sent to you afterward.

  • Should you continue insuring your car in San Jose if you are not planning to drive for a while?

    If you plan to not drive for some time, you can cancel some coverage in your car insurance to save money. However, it is not recommended to cancel your insurance policy totally. A gap in your insurance policy can mean increased premiums when you reinstate it if you drive again in San Jose.

  • What should you do if you already sold your vehicle in San Jose and canceled its insurance, but it has not been transferred yet to the new owner's name?

    If you receive a DMV notice requesting insurance information, file a Notice of Transfer and Release of Liability promptly so you can protect yourself. You should not receive such kind of notice in San Jose if a Notice of Transfer and Release of Liability on the vehicle is already in process at the DMV.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.