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.
Compare the Cheapest Car Insurance Quotes in San Jose, CA
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 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.
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.
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:
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
- 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
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
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.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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 CodeState Minimumper year
Top Agents Offering Affordable Car Insurance in San Jose
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.
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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