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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 Cheap Car Insurance Companies in San Jose

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.

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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.

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Cheapest Car Insurance in San Jose by Coverage Amount

How much car insurance coverage you purchase in San Jose also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

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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 by Coverage Type

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

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
  • $1,230
    $1,514
    $2,411
  • $1,649
    $1,876
    $2,605
  • 3. USAA
    $1,198
    $1,913
    $3,095
  • $2,012
    $2,182
    $2,487
  • $1,896
    $2,505
    $2,369
  • $1,643
    $2,060
    $3,633
  • 7. CSAA
    $1,612
    $1,612
    $4,568
  • $2,150
    $2,687
    $2,687
  • $2,043
    $2,129
    $4,262
  • $2,373
    $2,619
    $3,287
  • 11. Allied
    $2,383
    $2,739
    $4,117
  • $1,580
    $2,056
    $7,653
  • $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

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

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.

Compare Car Insurance Rates in San Jose

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.