Milpitas Car Insurance

Like many cities and towns in California, insurance rates in the city of Milpitas are affordable and fair.

There are no laws regulating car insurance prices in Milpitas, but California state law does prevent insurance companies from charging higher premiums to those with poor credit.

Insurance companies are also required to offer a discount of 20 percent to licensed drivers good driving records of at least 3 years.

If a good driver receives a moving violation, the good driver discount can be retained with the completion of a traffic safety class.

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Milpitas enjoys one of the lowest fatal accident counts of all California cities which is likely a contributing factor to the low car insurance premiums paid by its residents.

Best Insurance for Younger Male Driver

Christopher, a 24-year-old recent college graduate, just became employed by Cisco, the largest employer in Milpitas. After two years of underemployment in restaurant work, Chris is both relieved and thrilled to have the type of job he went to college to qualify for.

Christopher is very tired of driving his 1997 Ford Escort and his first major investment is a brand-new Mazda CX-5. The preciousness of the new car inspires Chris to research the benefits of premium level insurance coverage.

Premium coverage would give Chris the greatest overall protection and the lowest deductible. After close evaluation, Christopher comes to realize that his only asset is his new car and decides on basic coverage.

Basic Coverage

• $50,000 per person for bodily injury and $100,000 per accident coverage.
• $25,000 of property damage protection
• $50,000 per person and $100,000 per accident for uninsured and underinsured motorist coverage.
• $50 towing allowance
• $500 deductible

Basic Coverage Monthly Prices 

1. USAA – $93
2. Geico – $117
3. State Farm – $170
4. Farmers Insurance – $272

Since Chris has no military connection, USAA is not an option. Chris selects Geico as his insurance provider and pays an additional $12 per month for gap insurance to be sure his car loan is paid off in the event of a car accident resulting in total damage.

As soon as Chris celebrates his 25th birthday, his monthly premium will drop to $112 per month. If he had chosen Farmers, his policy would be reduced to $175 per month.

Best Insurance for A Family of Licensed Drivers

Al, aged 55, is an electrician; he is married to Jennifer, 53, who is a real estate broker.

Al drives a 2010 Chevy Express Work Van and also has a 2012 Jeep Cherokee for his personal use. Jennifer drives a 2011 Range Rover. In March 2113, Al was involved in a car accident with no injuries while driving his work van.

Extended Coverage

• $100,000 per person with a total of $300,000 per accident.
• $50,000 of property damage protection.
• $100,000 per person with a total of $300,000 per accident for uninsured or underinsured motorist coverage.
• $50 towing allowance
• $600 rental car allowance
• $500 deductible

Extended Coverage Monthly Prices 

1. Mercury Insurance Group – $304
2. USAA – $366
3. State Farm Insurance – $360
4. Farmers Insurance – $539

Jennifer and Al’s 27-year-old daughter, Nicole, hit a rough patch and needs to move back home. She is currently unemployed and without a vehicle. Arrangements are made to transfer the title on Al’s mother’s car which is a 2002 Chevy Cavalier to Nicole, the daughter.

When they call their insurance agent to add the vehicle to their policy, the agent recommends that Nicole apply for California's Low-Cost Auto Insurance for low-income drivers.

Their Mercury Insurance Group agent can underwrite the policy. Nicole will pay less than $20 per month for basic minimum liability, uninsured and underinsured motorist.

The low-income policy also provides a moderate amount of medical payments to Nicole. The minimum liability will only cover damages to other drivers or other people’s property, but Nicole feels very fortunate to have a car she can legally drive.

Best Insurance for Single Professional

Michelle is 30 years of age with an undergraduate degree in accounting and an MBA. She was recently promoted to the Chief Financial Officer position at one of the small electronics manufacturing firms in the area.

Michelle drives a 2014 Toyota Prius with all the extras. A premium auto insurance police with higher coverage amounts is type of insurance Michelle is interested in.

Michelle is acquiring assets and wants to be completely protected.

Premium Coverage

• $250,000 per person and $500,000 per accident for bodily injury.
• $100,000 for property damage.
• $250,000 per person and $500,000 per accident for uninsured and underinsured motorist caused bodily injury.
• $100,000 of property damage protection caused by uninsured and underinsured motorist.
• $75 towing allowance
• $900 rental car allowance
• Full glass coverage

Premium Coverage Monthly Prices

1. State Farm – $157
2. AAA – $183
3. Geico – $308

Michelle selects State Farm as her auto insurance provider.

Based on the above scenarios, Mercury Insurance Group has the best price for a mature couple seeking the protections offered by extended level coverage.

Geico appears to be the most competitive for young drivers seeking more protection than minimum liability but can be adequately covered with what is provided by basic coverage.

For people with more substantial financial assets and the ability to pay for a higher level of protection, our research found that State Farm offers the best price in the Milpitas area.

Because rates are not regulated, insurance prices could change at any time until policy agreements are approved by all parties.

There are many insurance choices for Milpitas residents. Mercury Insurance Agency has a San Jose office which is less than 15 minutes from the center of the town of Milpitas. Three State Farm agencies have Milpitas addresses.

There is a Geico office in the city of San Jose, but many insurance consumers use Geico online services that boast about their service to Milpitas.

Although none of the consumers described above have military connections qualifying them for USAA insurance, there is a strong military presence in the Milpitas area and USAA is very accessible online.

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