In our San Jose assessment, we discovered that GEICO extends the most budget-friendly average rates for state minimum coverage. California regulations dictate a minimum of $15,000 in bodily injury liability coverage per person and $30,000 per accident, along with $5,000 in property damage liability per accident.
These rates hold appeal if you’re content with minimal coverage. However, it’s worth considering additional coverage if you log extensive mileage, possess a history of driving violations, or seek heightened protection.
GEICO consistently garners high marks in aspects such as customer service, claims processing, customer endorsements, policy renewals, and customer loyalty. As the second-largest auto insurance company in the U.S., it has established a reputation for providing cost-effective rates both online and via phone interactions.
GEICO rolls out a plethora of discounts and emerges as the most economical choice for San Jose drivers with older vehicles who seek cost savings through California’s obligatory minimum auto insurance coverage. The company’s website and mobile app offer intuitive platforms for managing policies.
Opting for minimum coverage might be suitable if you own an older model vehicle with substantial mileage and don’t require comprehensive and collision coverage. However, it’s important to recognize that such a choice does expose you to heightened financial risk should an accident occur.