Compare the Cheapest Car Insurance Quotes in San Jose, CA

The average auto insurance rate in San Jose is $1,337 annually, cheaper than California’s annual average. The cheapest option for most drivers is Esurance, which has an average premium of $972 per year. MoneyGeek evaluated various insurers to determine the cheapest option by coverage level and type of driver. Recommendations based on affordability and quality are also available.

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The Cheapest and Best Car Insurance in San Jose

The Cheapest Car Insurance Companies in San Jose

Based on MoneyGeek’s findings, the most affordable car insurance companies for a full coverage policy in San Jose include:

  • Esurance: $972 per year
  • Progressive: $1,061 per year

In San Jose, the most affordable auto insurance company is Esurance, which offers an average annual premium of $972. That is $365 less than the average premium in California and 74.9% lower than the most expensive car insurance provider. Esurance, Progressive, USAA, GEICO and Allstate are the top five most-affordable options in the city. Allied offers the highest premium in San Jose at $1,700, which is nearly twice the cost of the cheapest option.

These prices are based on MoneyGeek’s sample driver profile. It is a 40-year-old male driver with a full coverage policy, including liability insurance and comprehensive and collision insurance.

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Average Cost of Car Insurance in San Jose

San Jose$1,337
California$1,429
U.S.$1,424

San Jose has an average car insurance rate of $1,337 annually, which is lower than both the state and national average annual premiums. In general, San Jose rates are 6.4% less than California’s average of $1,429 per year and 6.1% lower than the $1,424 average annual premium in the United States.

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The Best Car Insurance Companies in San Jose

MoneyGeek ranked the best companies that balance affordability and quality service. The highest scoring insurance carriers in San Jose are:

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

USAA received the highest score in San Jose by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

The ratings are based on MoneyGeek’s scoring system, which includes J.D. Power user satisfaction, affordability and financial stability.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:88

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:88

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:83

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:83

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Personalized Quotes to Get You the Cheapest Car Insurance in San Jose

The average car insurance rates in San Jose are based on a number of factors, such as age, gender, driving history, coverage level and marital status. For instance, if you’re an 18-year-old male, Esurance may give you an annual premium of $3,688. However, if you are a 40-year-old male with Esurance, you may have a premium of $972 a year. As your circumstances change over time, you may be eligible for rebates, discounts and other savings, so it is best to get a personalized auto insurance quote before making a decision.

Shopping around for car insurance in San Jose could save you $364, which is enough to buy:


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122Cups of Coffee
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28Months of Your Favorite Streaming Service

Cheapest Car Insurance in San Jose by Coverage Amount

Auto insurers evaluate different factors to determine your premiums. In San Jose and elsewhere, the coverage level is one of the biggest considerations. For instance, a policy that only meets the state minimum costs $613 on average, while the average annual rate for a full coverage policy with higher liability limits is $1,337. That is a difference of $724.

California Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.

Which insurance should you get? Will a state minimum liability coverage or liability only be sufficient? Or should you go for full coverage? San Jose's most affordable option for state limited liability only is USAA at $445. For San Jose residents unable to utilize USAA (due to their military-only restriction), GEICO is the next best option at $453. GEICO's liability-only 50/100/50 coverage option is $615, while their 50/100/50 full-coverage option is $1,029. Comparing customized quotes is the best way to make sure you're getting the insurance coverage that is most affordable for you.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in San Jose if You Have Driving Violations

Being a responsible driver doesn’t only keep you safe from accidents but also affects your average car insurance rate. If you have a clean driving history, you’ll get the most affordable premium. However, if you have speeding tickets, are involved in an accident where you’re at fault or have a DUI, then your premium can rise up to five times as much as the most affordable rate. MetLife’s annual premium for San Jose drivers with no violation is at $1,222, but if you have a DUI violation, your premium can rise to $6,431.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1.
    Esurance
    $1,230
    $1,514
    $2,411
  • 2.
    GEICO
    $1,649
    $1,876
    $2,605
  • 3.
    USAA
    $1,198
    $1,913
    $3,095
  • 4.
    Progressive
    $2,012
    $2,182
    $2,487
  • 5.
    Mercury
    $1,896
    $2,505
    $2,369
  • 6.
    Allstate
    $1,643
    $2,060
    $3,633
  • 7.
    CSAA
    $1,612
    $1,612
    $4,568
  • 8.
    Farmers
    $2,150
    $2,687
    $2,687
  • 9.
    State Farm
    $2,043
    $2,129
    $4,262
  • 10.
    Travelers
    $2,373
    $2,619
    $3,287
  • 11.
    Allied
    $2,383
    $2,739
    $4,117
  • 12.
    MetLife
    $1,580
    $2,056
    $7,653
  • 13.
    Hartford
    $2,396
    $3,334
    $5,613

Average Cost of Car Insurance by Postal Code

In San Jose, the average car insurance premium based on ZIP code is between $1,208 and $1,441. A person’s ZIP code affects that rate due to a number of factors, such as the number of drivers in the area, regional rates of car theft and the number of accidents that happen there. The difference between the cheapest and most expensive auto insurance in San Jose is $233. Always get an estimate before you move to see if your car insurance rate will be affected.

  • Zip Code
    State Minimumper year
  • 95125
    $1,208
  • 95123
    $1,256
  • 95127
    $1,318
  • 95122
    $1,376
  • 95116
    $1,422
  • 95111
    $1,441
iconribbontop ratedCar Insurance agentsSan Jose2021

Top Agents Offering Affordable Car Insurance in San Jose

1. Angela Frangieh - State Farm Insurance Agent1270 S Winchester Blvd, Ste 134, San Jose, CA, 95128
46 ratings
2. All Spectrum Insurance Brokers4010 Moorpark Ave, Ste 117, San Jose, CA, 95117
40 ratings
3. Lets Insure - San Jose1900 Camden Ave, Ste 204, San Jose, CA, 95124
37 ratings
4. Tina Choi - State Farm Insurance Agent4030 Moorpark Ave, Ste 116, San Jose, CA, 95117
34 ratings
5. Complete Insurance Service3162 Newberry Dr, Ste 50, San Jose, CA, 95118
19 ratings

Factors That Impact Insurance Costs in San Jose

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in San Jose. How San Jose ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities195th/300
handcuffs2 icon
Most Car Thefts113th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall194th/300
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Most Rainy Days211th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for San Jose are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.