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Best Local Car Insurance Agencies in Santa Clara, CA

Our Recommended Top 8

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 Santa Clara 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.

79Reviewed

50Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1816 Tully Road, San Jose, CA 95122
WebsiteLicense: 0D04026

Expertise.com Rating

Review Sources

Google
4.1 (42)
Facebook
5.0 (9)

Why choose this provider?

With over 20 years of experience, PHP Insurance Services, Inc. provides insurance products to customers in Santa Clara and the surrounding areas. The insurance agency's products may be personal like home, auto, and personal umbrella insurance, or commercial like employment practice liability, cyber liability, and workers' compensation. Its auto insurance protects car owners from unexpected financial losses by paying for damages and injuries caused by accidents, theft, fire, or falling objects. Other coverages include medical bills, funeral expenses, and fixing costs.

  • Multiple Carriers

1123 Soquel Avenue, Santa Cruz, CA 95062
WebsiteLicense: 0757716

Expertise.com Rating

Review Sources

Google
5.0 (74)

Why choose this provider?

DCD Financial & Insurance Services is an insurance provider serving individual and commercial clients in Santa Cruz and the rest of California, including Santa Clara. Established in 1938, it has experienced associates who have the knowledge and connections to outfit vehicle owners with tailored solutions for auto insurance requirements that will meet their specific needs, expectations, and priorities. They cater to help cover car-related incidents. In addition to standard auto, DCD Financial & Insurance Services also offers life, business, homeowners, and health insurance.

  • Boats
  • Motorcyle & ATV

1465 Park Avenue, San Jose, CA 95126
WebsiteLicense: 0I36162

Expertise.com Rating

Review Sources

Yelp
5.0 (195)
Google
4.9 (95)

Why choose this provider?

Angela Frangieh Insurance Agency Inc. represents State Farm in San Jose and the nearby Santa Clara metro. The agency is headed by Angela Frangieh, a distinguished insurance professional and a member of the State Farm Lifetime President’s Club. She and her team believe that understanding the roadblocks in life will help connect them with their clients' needs. The agency writes auto insurance policies that cover collisions, physical damages, and liabilities.

  • Multiple Carriers

3150 Almaden Expressway, San Jose, CA 95118
WebsiteLicense: 0D79626

Expertise.com Rating

Review Sources

Yelp
4.5 (25)
Google
4.9 (7)

Why choose this provider?

Walton & Associates Insurance Services is a locally owned independent insurance agency in San Jose that services the Santa Clara metro and the entire Bay Area. The company has been providing personal, business, and life insurance products to clients since 1966. It is known for its expedient services and tailored policies that stem from carefully conducted initial insurance counseling. It writes auto insurance policies that shoulder car-related expenses caused by collisions and other damages.

  • Multiple Carriers
  • Bundling Option

300 Banner Court, Santa Clara, CA 95356
WebsiteLicense: 0269629

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Yelp
5.0 (3)

Why choose this provider?

Micheletti Alternative Insurance Solutions has been serving the Modesto area and the nearby Santa Clara metro since 1946. It is committed to delivering professional services and tailored insurance solutions designed to last. The company writes auto insurance policies that protect clients and their vehicles from car-related damages, injuries, and liabilities. The policies can be extended to cover passengers, drivers, and pedestrians, and properties in unexpected traffic accidents and other natural disasters.

  • Boats
  • Motorcyle & ATV

750 East McGlincy Lane, Campbell, CA 95008

Expertise.com Rating

Why choose this provider?

Coverage Plus Insurance Agency provides financial protection assistance for Santa Clara residents. The company offers a wide range of products including auto insurance. It provides various coverage options such as collision coverage, liability coverage, medical payments coverage, and personal injury protection. The agents also furnish complete personal insurance programs that include both auto insurance and homeowners' insurance. They work with various insurance providers including Safeco Insurance, Travelers, Mercury Insurance, Liberty Mutual Insurance, and The Hartford.

  • Multiple Carriers

17510 Farley Road West, Los Gatos, CA 95030
WebsiteLicense: 0338880

Expertise.com Rating

Review Sources

Google
4.9 (42)
Yelp
4.5 (10)
Facebook
5.0 (1)

Why choose this provider?

Don Williams & Associates is a family-owned and operated agency that has been offering insurance services for almost 50 years. Its insurance agents have in-depth knowledge of multiple insurance products, insurance carriers, and guidelines. They provide standard auto insurance and car insurance for collector cars. The team recommends including collision, comprehensive, bodily injury liability, property damage, and uninsured and underinsured motorist coverage options in the auto policy. The agency's service department accommodates changes to the current policy.

  • Multiple Carriers

330 West Hedding Street, San Jose, CA 95110
WebsiteLicense: 0M71320

Expertise.com Rating

Review Sources

Yelp
4.5 (7)
Facebook
5.0 (6)
Google
5.0 (4)

Why choose this provider?

Donald Browne Insurance Services, Inc., is an insurance management company that has been serving Santa Clara and nearby localities since 1997. The family-owned agency assists individuals, families, and businesses in obtaining adequate financial protection for their vehicles with an auto insurance policy. The independent insurance firm represents several carriers that can provide a variety of coverage options. These include comprehensive and collision, liability, medical payments, personal injury protection, and uninsured or underinsured motorist coverage. They also offer supplementary coverage for towing services, roadside assistance, and rental reimbursements.

  • Multiple Carriers

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
PHP Insurance Services, Inc.
1816 Tully Road, San Jose, CA 95122
DCD Financial & Insurance Services
1123 Soquel Avenue, Santa Cruz, CA 95062
Angela Frangieh
1465 Park Avenue, San Jose, CA 95126
Walton & Associates Insurance Services
3150 Almaden Expressway, San Jose, CA 95118
Micheletti Alternative Insurance Solutions
300 Banner Court, Santa Clara, CA 95356
Coverage Plus Insurance Agency
750 East McGlincy Lane, Campbell, CA 95008
Don Williams & Associates
17510 Farley Road West, Los Gatos, CA 95030
Donald Browne Insurance Services, Inc
330 West Hedding Street, San Jose, CA 95110

Santa Clara, CA Car Insurance Agency FAQs

  • Are you required to carry comprehensive auto insurance in Santa Clara?

    No. You are not required to have comprehensive auto insurance in Santa Clara. Comprehensive auto insurance is considered additional coverage on top of what the California DMV requires to take care of damage to your own vehicle. By law, you should only carry liability insurance covering at least $15,000 for injury or death to one person, $30,000 for injury or death to more than one person, and $5,000 for damage to property.

  • What is the benefit of getting collision insurance coverage in Santa Clara?

    Collision insurance is an additional kind of coverage you may purchase for your car in Santa Clara, much like comprehensive insurance. It pays for damage to your automobile in the event of an auto accident. The most basic collision coverage will take care of repairs up to the fair market value of your car. Since collision coverage usually includes an insurance deductible, you should know that the higher the deductible you are willing to pay, the less your collision coverage will cost.

  • What will happen if you cause an accident that costs over your liability limit in Santa Clara?

    If you cause a motor vehicle accident in Santa Clara and it costs more than your liability limit, the other party may sue you for the additional costs. Depending on the extent of the damage and your ability to pay the victim, there is a possibility that your savings will be drained, and you might lose your house in the process.

  • Are you allowed to get higher liability auto insurance limits than what the law requires in Santa Clara?

    Yes, in Santa Clara, you may opt to purchase higher liability limits than the California DMV requires. By increasing your limits, you also increase your protection against bodily injury and property damage claims if you are held accountable for an accident. You must keep in mind that the more assets you have, the more you could lose in a lawsuit if your liability limits won’t be able to cover the full cost of an accident you caused.

  • Does your driving record in Santa Clara affect your auto insurance rates?

    Yes, your driving record affects the rates of your auto insurance policies. One of the things that Santa Clara insurers take into consideration is your driving record. Having a good driving history is among the easiest ways to reduce your insurance rate. If you completed a defensive driving course and are considered a "safe driver," you might even be eligible for a discount.