bestauto insuranceSan JoseCompare the Cheapest Car Insurance Quotes in San Jose, CA
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Affordable auto insurance depends on your personal profile, driver’s history and coverage needs. In San Jose, Esurance offers the cheapest full coverage policy at $972 and the most affordable option for drivers with a speeding ticket at $1,230 per year. GEICO has the cheapest minimum coverage policy with an annual premium of $453.
If you are part of a military family, USAA is another affordable option, but AAA ranked highest overall in terms of balancing affordability and customer service.
bestauto insuranceSan JoseThe Cheapest and Best Car Insurance in San Jose
Cheapest Overall - Esurance
Cheapest State Minimum - Esurance
Cheapest With a Driving Violation - Esurance
Best Overall - AAA
The Cheapest Car Insurance Companies in San Jose
In San Jose, the most affordable auto insurance providers for full coverage policies are:
- Esurance: $972 per year
- Progressive: $1,061 per year
Esurance policies are $728 cheaper than the most expensive full coverage policy in San Jose offered by Allied. A full coverage policy comes with both comprehensive and collision insurance, although prices may differ depending on how much liability insurance you select.
Cheapest Car Insurance in San Jose
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$972
- 2.$1,061
- 3.$1,097
- 4.$1,118
- 5.$1,162
MoneyGeek collected average rates for a 40-year-old male driver in San Jose with a full coverage policy as per our methodology.
Full coverage car insurance is more expensive than minimum coverage but adds comprehensive and collision insurance.
- Collision Insurance: Pays for your car’s damages if you hit another vehicle or a stationary object.
- Comprehensive Insurance: Pays expenses to repair your car from non-collision-related damage.
Both forms of coverage are valuable as they protect you against the cost of damage to your vehicle.
If you choose full coverage for an older car, you may end up paying more for insurance than what your vehicle is worth. In such a scenario, you can opt for liability-only insurance or state minimum coverage to get the cheapest rates.
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.
Cheapest Car Insurance in San Jose for Minimum Coverage
The cheapest insurance in San Jose is the minimum coverage policy. The top two insurers in the city for state minimum liability-only are:
- GEICO: $453 per year
- Progressive: $464 per year
USAA offers the cheapest state minimum policies for military members and their families in San Jose at $445 per year. GEICO’s minimum coverage policy is $345 less than the most expensive option, which is offered by Farmers.
Although minimum coverage policies are the most affordable, they do not provide comprehensive and collision insurance, so you risk being not fully covered.
You can check out the below table to know how much higher liability coverage costs.
Cheapest Minimum Liability Car Insurance in San Jose
State Minimum
- CompanyState Minimumper year
- 1.$445
- 2.$453
- 3.$464
- 4.CSAA$483
- 5.$529
An insurance policy that meets the minimum requirements in California is liability-only coverage. While this is the cheapest insurance option in San Jose, it provides the least protection. In the event of an accident, you may end up paying more from your own resources.
For example, if the total medical expenses in an at-fault accident add up to $70,000, an insurer in California will cover up to $45,000 as per the state’s liability limits. You will have to pay the remaining $25,000.
California Minimum Liability Requirements
- ItemDescription
- 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.
Cheapest Car Insurance in San Jose if You Have Driving Violations
Driving violations like at-fault accidents, DUIs and speeding tickets will increase the cost of your insurance premiums, sometimes pretty substantially. The cheapest insurers for drivers with violations in San Jose are:
- Cheapest after a ticket: Esurance, $1,230 per year
- Cheapest after an at-fault accident: Esurance, $1,514 per year
- Cheapest after a DUI: Mercury, $2,369 per year
Drivers with prior violations in San Jose can get cheaper insurance by improving their driving records over time. In the meantime, however, drivers with bad driving records can shop around for auto insurance to get the cheapest rate possible.
Cheapest Car Insurance in San Jose With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$1,198
- 2.$1,230
- 3.$1,580
- 4.CSAA$1,612
- 5.$1,643
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.
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.
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.
The Best Car Insurance Companies in San Jose
MoneyGeek evaluated insurance options that balance affordability and quality service for drivers in San Jose. The best car insurers in San Jose are:
- AAA: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
USAA scored the highest with 100 out of 100, per MoneyGeek’s rating system, and is the best option for veterans, military members and their families.
MoneyGeek ranked these car insurance companies using several factors, including insurer financial stability, customer satisfaction and affordability. We used multiple resources to perform this study, including findings by data analytics and consumer intelligence company J. D. Power.
1
Esurance
Score:90
2
AAA
Score:89
3
GEICO
Score:85
4
Progressive
Score:76
5
MetLife
Score:69
6
Allstate
Score:67
7
State Farm
Score:67
8
Mercury
Score:58
9
Travelers
Score:54
10
Farmers
Score:42
11
Hartford
Score:30
12
Allied
Score:18
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
- 95125$1,208
- 95123$1,256
- 95127$1,318
- 95122$1,376
- 95116$1,422
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.
About Mark Fitzpatrick
