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Gilroy is located in Santa Clara County, and well known for its garlic crop and for the annual Gilroy Garlic Festival. The cost of living in Gilroy is 15% higher than the California average, and 57% higher than the national average. The cost of housing in Gilroy is 127% higher than the national average, and mostly consists of family estates around the base of the Santa Cruz Mountains to the west. Farming is still a significant factor to the city’s economy, but in the 1970s the it began evolving into a bedroom community for Silicon Valley to the north. U.S. Route 101, El Camino Real, Leavesley Road and other major arterials create not only a great deal of environmental noise, but also a lot of traffic. These facts and the high cost of living make it especially important to explore all the options for cheap car insurance Gilroy has to offer.

The overall crime rate in Gilroy is 29% higher than the national average, and property crime is 27% higher than the California average and 34% higher than the national average. The city does have it’s own police department, with a total of 85 Gilroy police officers. 2015 reports show that the number of total year over year crimes in Gilroy has increased by 15%. Because of the high crime rate and high cost of living, insurance premiums are likely to be higher in Gilroy than in other nearby cities.

Gilroy Insurance Requirements

All California state residents are required to have the basic liability insurance coverage in the following limits:

  • $5,000 of property damage liability per incident
  • $15,000 of bodily injury liability per person
  • $30,000 of bodily injury liability per incident

The minimum coverage may be all the law requires, but Gilroy has a large population of higher income residents, and lots of traffic. This can put you at risk for more than what is covered by just liability. Car repairs and towing can quickly wipe out your savings, so consider adding these options for the best cheap car insurance Gilroy can provide.

  • Collision
  • Towing and labor
  • Comprehensive
  • Rental reimbursement
  • Uninsured motorist bodily injury

Gilroy Public Transportation

here are 5 Amtrak train stations within 30 miles of the Gilroy city center. The Santa Clara Valley Transportation Authority provides local buses and express buses to San Jose and Sunnyvale. The average travel time to work in Gilroy is 21% higher than the national average, so it makes sense that the number of people who carpool to work in Gilroy is 73% higher than the national average. Carpooling is the best way to lower your yearly mileage, and lower mileage means you can get a good discount on your auto insurance premium.