Cheapest Car Insurance in San Jose, CA (2023)

The cheapest car insurance policy for you depends on your profile and needs. GEICO offers the cheapest full coverage insurance and is the most affordable for teens, seniors, young adults and those with sports cars. USAA is the least expensive for military policyholders, CSAA for at-fault accident drivers and National General for drivers with speeding violations and DUIs.

CheapestCar InsuranceSan Jose

2023

Cheapest Car Insurance in San Jose, CA

Cheapest Overall - GEICO

Cheapest Full Coverage - GEICO

Cheapest After Offense - National General

Cheapest for Teens - GEICO

Cheapest for Military - USAA

Cheapest for Young Adults - GEICO

Cheapest for Seniors - State Farm

Cheapest for Sports Cars - GEICO

Cheapest Minimum Coverage Car Insurance in San Jose

The following companies offer the cheapest minimum coverage policies in San Jose:

GEICO: $339 per year
CSAA: $427 per year

At a yearly premium of $731, Chubb charges the highest minimum coverage auto insurance premiums.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$335	$28
GEICO	$339	$28
State Farm	$351	$29
GEICO	$399	$33
CSAA	$427	$36
CSAA	$433	$36
State Farm	$464	$39
Mercury	$469	$39
CSAA	$470	$39
Mercury	$479	$40
Progressive	$494	$41
Progressive	$497	$41
Kemper	$506	$42
Travelers	$527	$44
Travelers	$528	$44
State Farm	$531	$44
Nationwide	$554	$46
Nationwide	$576	$48
Kemper	$584	$49
Mercury	$584	$49
State National	$585	$49
Progressive	$586	$49
Hartford	$592	$49
National General	$597	$50
Travelers	$602	$50
State National	$603	$50
Farmers	$604	$50
Allstate	$608	$51
Allstate	$611	$51
National General	$615	$51
Capital Insurance Group	$615	$51
Farmers	$622	$52
Capital Insurance Group	$637	$53
Allstate	$658	$55
Hartford	$674	$56
Farmers	$707	$59
State National	$713	$59
Capital Insurance Group	$714	$60
Nationwide	$728	$61
Chubb	$731	$61
National General	$735	$61
Chubb	$753	$63
Kemper	$770	$64
Hartford	$861	$72
State Farm	$888	$74
GEICO	$902	$75
GEICO	$934	$78
National General	$1,033	$86
Chubb	$1,044	$87
National General	$1,048	$87
Allstate	$1,055	$88
Progressive	$1,068	$89
Progressive	$1,073	$89
GEICO	$1,074	$90
Allstate	$1,104	$92
State Farm	$1,138	$95
Mercury	$1,164	$97
CSAA	$1,181	$98
CSAA	$1,189	$99
Mercury	$1,191	$99
Allstate	$1,225	$102
Hartford	$1,239	$103
National General	$1,252	$104
Nationwide	$1,261	$105
Capital Insurance Group	$1,277	$106
Progressive	$1,288	$107
CSAA	$1,295	$108
State National	$1,305	$109
State Farm	$1,331	$111
Capital Insurance Group	$1,354	$113
Nationwide	$1,369	$114
Travelers	$1,374	$114
State National	$1,404	$117
Kemper	$1,416	$118
Hartford	$1,420	$118
Travelers	$1,437	$120
Farmers	$1,507	$126
Capital Insurance Group	$1,525	$127
Farmers	$1,538	$128
Mercury	$1,540	$128
Travelers	$1,707	$142
State National	$1,732	$144
Kemper	$1,753	$146
Chubb	$1,760	$147
Nationwide	$1,788	$149
Chubb	$1,816	$151
Hartford	$1,821	$152
Farmers	$1,824	$152
Kemper	$2,101	$175
Chubb	$2,588	$216

According to California law, a minimum coverage insurance policy must provide liability insurance for bodily injury and property damage with the following limits:

$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$5,000 property damage liability per accident

These limits mean that your auto insurance provider will cover up to $15,000 per harmed individual, up to a maximum of $30,000 per accident. Any costs exceeding $30,000 are the policyholder’s responsibility.

Cheapest Full Coverage Car Insurance in San Jose

The following auto insurance providers offer San Jose drivers the least expensive full coverage policies:

GEICO: $934 per year
National General: $1,033 per year

San Jose’s most expensive full coverage auto insurance policy comes from Chubb, costing $1,760 per year.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$335	$28
GEICO	$339	$28
State Farm	$351	$29
GEICO	$399	$33
CSAA	$427	$36
CSAA	$433	$36
State Farm	$464	$39
Mercury	$469	$39
CSAA	$470	$39
Mercury	$479	$40
Progressive	$494	$41
Progressive	$497	$41
Kemper	$506	$42
Travelers	$527	$44
Travelers	$528	$44
State Farm	$531	$44
Nationwide	$554	$46
Nationwide	$576	$48
Kemper	$584	$49
Mercury	$584	$49
State National	$585	$49
Progressive	$586	$49
Hartford	$592	$49
National General	$597	$50
Travelers	$602	$50
State National	$603	$50
Farmers	$604	$50
Allstate	$608	$51
Allstate	$611	$51
National General	$615	$51
Capital Insurance Group	$615	$51
Farmers	$622	$52
Capital Insurance Group	$637	$53
Allstate	$658	$55
Hartford	$674	$56
Farmers	$707	$59
State National	$713	$59
Capital Insurance Group	$714	$60
Nationwide	$728	$61
Chubb	$731	$61
National General	$735	$61
Chubb	$753	$63
Kemper	$770	$64
Hartford	$861	$72
State Farm	$888	$74
GEICO	$902	$75
GEICO	$934	$78
National General	$1,033	$86
Chubb	$1,044	$87
National General	$1,048	$87
Allstate	$1,055	$88
Progressive	$1,068	$89
Progressive	$1,073	$89
GEICO	$1,074	$90
Allstate	$1,104	$92
State Farm	$1,138	$95
Mercury	$1,164	$97
CSAA	$1,181	$98
CSAA	$1,189	$99
Mercury	$1,191	$99
Allstate	$1,225	$102
Hartford	$1,239	$103
National General	$1,252	$104
Nationwide	$1,261	$105
Capital Insurance Group	$1,277	$106
Progressive	$1,288	$107
CSAA	$1,295	$108
State National	$1,305	$109
State Farm	$1,331	$111
Capital Insurance Group	$1,354	$113
Nationwide	$1,369	$114
Travelers	$1,374	$114
State National	$1,404	$117
Kemper	$1,416	$118
Hartford	$1,420	$118
Travelers	$1,437	$120
Farmers	$1,507	$126
Capital Insurance Group	$1,525	$127
Farmers	$1,538	$128
Mercury	$1,540	$128
Travelers	$1,707	$142
State National	$1,732	$144
Kemper	$1,753	$146
Chubb	$1,760	$147
Nationwide	$1,788	$149
Chubb	$1,816	$151
Hartford	$1,821	$152
Farmers	$1,824	$152
Kemper	$2,101	$175
Chubb	$2,588	$216

A full coverage insurance policy includes collision and comprehensive insurance.

Collision insurance: Pays to repair or replace your car if you hit another vehicle or stationary object, such as a tree, fence or light pole. Collision also covers rollover accidents.
Comprehensive insurance: Covers non-collision incidents like theft, animal damage, fire, vandalism, severe weather events and natural disasters (e.g., wildfires and earthquakes).

Full coverage insurance may not be necessary for an older vehicle, especially if it is in bad condition and has low value.

Cheapest Car Insurance in San Jose After a Driving Offense

The following auto insurance companies in San Jose offer the lowest rates after different driving violations:

Speeding ticket: National General ($1,084 per year)
At-fault accident: CSAA ($1,493 per year)
DUI: National General ($1,084 per year)

Chubb is the most expensive after an at-fault accident at $2,833 per year, Nationwide after a speeding ticket at $2,367, and Hartford after a DUI at $5,119. Drivers with violations on their records will pay more for car insurance, even from the cheapest providers.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
GEICO	$510	$42
GEICO	$515	$43
CSAA	$531	$44
CSAA	$531	$44
State Farm	$534	$45
CSAA	$538	$45
CSAA	$538	$45
State Farm	$558	$47
CSAA	$586	$49
CSAA	$586	$49
Mercury	$600	$50
GEICO	$602	$50
GEICO	$606	$50
GEICO	$609	$51
Mercury	$615	$51
National General	$630	$52
National General	$630	$52
National General	$650	$54
National General	$650	$54
Kemper	$673	$56
Capital Insurance Group	$679	$57
Capital Insurance Group	$704	$59
State Farm	$706	$59
GEICO	$715	$60
Capital Insurance Group	$717	$60
State Farm	$737	$61
Capital Insurance Group	$743	$62
Mercury	$751	$63
Mercury	$753	$63
Mercury	$771	$64
National General	$778	$65
National General	$778	$65
Kemper	$778	$65
Capital Insurance Group	$791	$66
GEICO	$799	$67
Travelers	$803	$67
Travelers	$805	$67
State Farm	$806	$67
GEICO	$808	$67
Farmers	$821	$68
Farmers	$821	$68
State National	$828	$69
State National	$828	$69
Capital Insurance Group	$834	$70
Mercury	$835	$70
State Farm	$842	$70
Allstate	$843	$70
Farmers	$846	$71
Farmers	$846	$71
Allstate	$848	$71
Hartford	$850	$71
Hartford	$850	$71
State National	$853	$71
State National	$853	$71
Mercury	$856	$71
Nationwide	$857	$71
Progressive	$885	$74
Travelers	$889	$74
Travelers	$890	$74
Nationwide	$890	$74
Progressive	$892	$74
National General	$896	$75
Allstate	$919	$77
National General	$924	$77
Travelers	$928	$77
Chubb	$938	$78
Mercury	$942	$79
GEICO	$951	$79
Nationwide	$953	$79
Chubb	$960	$80
Farmers	$961	$80
Farmers	$961	$80
Allstate	$970	$81
Progressive	$973	$81
Allstate	$975	$81
Hartford	$980	$82
Hartford	$980	$82
Progressive	$982	$82
Nationwide	$991	$83
State National	$1,013	$84
State National	$1,013	$84
Farmers	$1,026	$85
Travelers	$1,026	$86
Kemper	$1,027	$86
Mercury	$1,049	$87
Progressive	$1,053	$88
Farmers	$1,057	$88
Allstate	$1,059	$88
Progressive	$1,059	$88
Capital Insurance Group	$1,066	$89
Progressive	$1,066	$89
Travelers	$1,076	$90
Travelers	$1,079	$90
National General	$1,084	$90
National General	$1,084	$90
National General	$1,100	$92
National General	$1,100	$92
State Farm	$1,100	$92
Capital Insurance Group	$1,105	$92
National General	$1,109	$92
Nationwide	$1,131	$94
Chubb	$1,137	$95
Kemper	$1,151	$96
Kemper	$1,151	$96
Chubb	$1,160	$97
Progressive	$1,168	$97
Farmers	$1,201	$100
Capital Insurance Group	$1,243	$104
Travelers	$1,249	$104
Chubb	$1,251	$104
Nationwide	$1,262	$105
Progressive	$1,268	$106
Hartford	$1,278	$106
Hartford	$1,278	$106
National General	$1,316	$110
National General	$1,316	$110
State Farm	$1,317	$110
GEICO	$1,349	$112
State Farm	$1,380	$115
GEICO	$1,396	$116
Kemper	$1,399	$117
Kemper	$1,399	$117
Chubb	$1,451	$121
State Farm	$1,454	$121
Capital Insurance Group	$1,459	$122
CSAA	$1,463	$122
Chubb	$1,471	$123
CSAA	$1,483	$124
Chubb	$1,493	$124
CSAA	$1,493	$124
CSAA	$1,493	$124
State National	$1,496	$125
CSAA	$1,503	$125
CSAA	$1,503	$125
Capital Insurance Group	$1,505	$125
GEICO	$1,510	$126
Nationwide	$1,513	$126
Allstate	$1,526	$127
National General	$1,531	$128
Mercury	$1,533	$128
State National	$1,542	$129
Capital Insurance Group	$1,551	$129
National General	$1,554	$129
GEICO	$1,559	$130
Mercury	$1,569	$131
Nationwide	$1,576	$131
Capital Insurance Group	$1,597	$133
Allstate	$1,600	$133
GEICO	$1,607	$134
CSAA	$1,618	$135
CSAA	$1,637	$136
CSAA	$1,637	$136
State Farm	$1,660	$138
State Farm	$1,687	$141
Allstate	$1,729	$144
Allstate	$1,741	$145
Capital Insurance Group	$1,749	$146
Kemper	$1,759	$147
Kemper	$1,759	$147
State Farm	$1,767	$147
Allstate	$1,783	$149
Chubb	$1,783	$149
GEICO	$1,798	$150
Capital Insurance Group	$1,802	$150
Hartford	$1,840	$153
Hartford	$1,840	$153
State National	$1,843	$154
State National	$1,855	$155
State National	$1,855	$155
National General	$1,861	$155
Kemper	$1,880	$157
Allstate	$1,889	$157
Allstate	$1,897	$158
Mercury	$1,918	$160
Nationwide	$1,953	$163
Mercury	$1,964	$164
State Farm	$1,974	$164
Allstate	$1,988	$166
State National	$1,996	$166
State National	$1,996	$166
Progressive	$2,007	$167
Nationwide	$2,010	$168
Progressive	$2,015	$168
Hartford	$2,017	$168
Mercury	$2,036	$170
Mercury	$2,053	$171
State Farm	$2,067	$172
Travelers	$2,078	$173
Farmers	$2,078	$173
Farmers	$2,078	$173
Mercury	$2,096	$175
Hartford	$2,119	$177
Hartford	$2,119	$177
Farmers	$2,122	$177
Farmers	$2,122	$177
Nationwide	$2,124	$177
GEICO	$2,127	$177
Travelers	$2,168	$181
Nationwide	$2,176	$181
Progressive	$2,187	$182
Progressive	$2,191	$183
GEICO	$2,201	$183
Allstate	$2,225	$185
Capital Insurance Group	$2,283	$190
Travelers	$2,304	$192
Chubb	$2,306	$192
Kemper	$2,330	$194
Chubb	$2,362	$197
Hartford	$2,364	$197
Nationwide	$2,367	$197
Travelers	$2,400	$200
Capital Insurance Group	$2,426	$202
Progressive	$2,431	$203
State National	$2,465	$205
State National	$2,465	$205
Progressive	$2,477	$206
Progressive	$2,479	$207
Farmers	$2,517	$210
Farmers	$2,517	$210
GEICO	$2,536	$211
Mercury	$2,547	$212
Farmers	$2,597	$216
Travelers	$2,602	$217
Progressive	$2,648	$221
Farmers	$2,652	$221
Mercury	$2,713	$226
State Farm	$2,725	$227
Capital Insurance Group	$2,738	$228
Hartford	$2,741	$228
Hartford	$2,741	$228
Nationwide	$2,783	$232
Kemper	$2,796	$233
Chubb	$2,833	$236
Travelers	$2,884	$240
Travelers	$2,884	$240
Chubb	$2,889	$241
Progressive	$3,001	$250
Travelers	$3,016	$251
Nationwide	$3,108	$259
Kemper	$3,112	$259
Kemper	$3,112	$259
Chubb	$3,134	$261
Farmers	$3,146	$262
Hartford	$3,160	$263
Allstate	$3,309	$276
State National	$3,456	$288
Nationwide	$3,460	$288
Allstate	$3,482	$290
State Farm	$3,491	$291
Travelers	$3,647	$304
Chubb	$3,660	$305
Chubb	$3,710	$309
State National	$3,726	$310
Chubb	$3,767	$314
Nationwide	$3,770	$314
Allstate	$3,898	$325
Kemper	$3,956	$330
Kemper	$3,956	$330
State Farm	$4,082	$340
CSAA	$4,204	$350
CSAA	$4,232	$353
Hartford	$4,405	$367
Chubb	$4,539	$378
State National	$4,617	$385
CSAA	$4,618	$385
Kemper	$4,638	$386
Kemper	$4,638	$386
Nationwide	$4,966	$414
Hartford	$5,119	$427
Hartford	$6,729	$561

Typically, the severity of the offense determines how much the premium will increase. For instance, San Jose drivers will pay an average of $533 more per year after a speeding ticket and $1,806 after a DUI. If you need affordable car insurance and have a bad driving record, shop around and compare rates.

MONEYGEEK EXPERT TIP

If you're new to California, you may have had auto insurance in your previous state where you could add accident forgiveness to your policy or earn it for maintaining a motor vehicle record clear of moving violations. Or, while researching auto insurance, you may have come across a mention of this optional coverage and thought it's a good coverage to have just in case you get into an at-fault accident since it stops your premium from going up. Unfortunately, California law prohibits auto insurers from offering accident forgiveness. If you get into an at-fault accident, it is very likely that you will see your policy cost rise.

It's also good to know that California prohibits the use of telematics in auto insurance pricing. These programs monitor your driving behavior, such as when you drive, your rate of speed and whether you break hard or accelerate quickly, to influence how much you pay for auto insurance. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheapest Car Insurance in San Jose for Teens and Their Families

The following companies offer the cheapest rates in San Jose for families adding a teen to their policies:

GEICO: $2,072 per year for female teens; $2,165 per year for male teens
State Farm: $2,291 per year for male and female teens

At $4,482 annually, Nationwide has the highest premium for male and female teenagers on a family policy.

In most states, teen males often pay higher rates than teen females since they are considered riskier to insure, and the gender cost difference evens out in early adulthood. But in California, insurance companies cannot consider gender when pricing auto insurance policies, so being a male teen does not automatically mean you will pay more for auto insurance than a female teen, but other rating factors may make the cost differ.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
GEICO	$921	$1,898
GEICO	$939	$2,119
GEICO	$943	$1,944
GEICO	$955	$2,043
GEICO	$965	$2,177
GEICO	$967	$1,993
GEICO	$978	$2,300
GEICO	$991	$2,238
GEICO	$1,093	$2,098
GEICO	$1,121	$2,368
GEICO	$1,403	$3,038
GEICO	$1,447	$3,463
Allstate	$1,471	$2,573
Allstate	$1,471	$2,573
GEICO	$1,535	$2,947
Allstate	$1,536	$2,686
Allstate	$1,536	$2,686
Nationwide	$1,560	$3,566
Nationwide	$1,560	$3,566
Allstate	$1,574	$2,979
Allstate	$1,574	$2,979
GEICO	$1,583	$3,346
Allstate	$1,587	$2,775
Allstate	$1,587	$2,775
State Farm	$1,588	$2,635
State Farm	$1,588	$2,635
Progressive	$1,636	$2,565
Progressive	$1,636	$2,565
State Farm	$1,652	$2,741
State Farm	$1,652	$2,741
Capital Insurance Group	$1,666	$2,173
Capital Insurance Group	$1,666	$2,173
State Farm	$1,680	$2,969
State Farm	$1,680	$2,969
State Farm	$1,690	$2,804
State Farm	$1,690	$2,804
Allstate	$1,701	$3,007
Allstate	$1,701	$3,007
Nationwide	$1,705	$3,898
Nationwide	$1,705	$3,898
Nationwide	$1,760	$4,447
Nationwide	$1,760	$4,447
Progressive	$1,771	$2,776
Progressive	$1,771	$2,776
State Farm	$1,799	$3,029
State Farm	$1,799	$3,029
Nationwide	$1,830	$4,183
Nationwide	$1,830	$4,183
Travelers	$1,880	$2,824
Travelers	$1,880	$2,824
Capital Insurance Group	$1,895	$2,572
Capital Insurance Group	$1,895	$2,572
Progressive	$1,900	$3,449
Progressive	$1,900	$3,449
State Farm	$1,906	$3,364
State Farm	$1,906	$3,364
State Farm	$1,922	$3,237
State Farm	$1,922	$3,237
GEICO	$1,935	$4,391
Travelers	$1,945	$2,921
Travelers	$1,945	$2,921
Allstate	$1,960	$3,867
Allstate	$1,960	$3,867
Capital Insurance Group	$1,972	$2,572
Capital Insurance Group	$1,972	$2,572
Capital Insurance Group	$1,972	$2,572
Capital Insurance Group	$1,972	$2,572
Travelers	$1,989	$3,154
Travelers	$1,989	$3,154
Allstate	$1,990	$3,518
Allstate	$1,990	$3,518
Progressive	$1,993	$3,124
Progressive	$1,993	$3,124
Farmers	$2,008	$2,764
Farmers	$2,008	$2,764
GEICO	$2,012	$5,040
Travelers	$2,033	$3,053
Travelers	$2,033	$3,053
Nationwide	$2,048	$4,856
Nationwide	$2,048	$4,856
Kemper	$2,067	$3,673
Kemper	$2,067	$3,673
GEICO	$2,072	$4,893
State Farm	$2,117	$4,265
State Farm	$2,117	$4,265
GEICO	$2,126	$4,824
GEICO	$2,165	$5,677
Kemper	$2,186	$3,884
Kemper	$2,186	$3,884
Capital Insurance Group	$2,211	$2,898
Capital Insurance Group	$2,211	$2,898
GEICO	$2,218	$5,556
Travelers	$2,222	$3,311
Travelers	$2,222	$3,311
State Farm	$2,243	$4,518
State Farm	$2,243	$4,518
Farmers	$2,255	$3,217
Farmers	$2,255	$3,217
State Farm	$2,291	$5,062
State Farm	$2,291	$5,062
Capital Insurance Group	$2,292	$2,898
Capital Insurance Group	$2,292	$2,898
Kemper	$2,298	$4,558
Kemper	$2,298	$4,558
Farmers	$2,337	$3,217
Farmers	$2,337	$3,217
Farmers	$2,337	$3,217
Farmers	$2,337	$3,217
Progressive	$2,358	$3,782
Progressive	$2,358	$3,782
Kemper	$2,374	$4,219
Kemper	$2,374	$4,219
Travelers	$2,414	$3,825
Travelers	$2,414	$3,825
Travelers	$2,453	$3,655
Travelers	$2,453	$3,655
Capital Insurance Group	$2,455	$3,218
Capital Insurance Group	$2,455	$3,218
Nationwide	$2,526	$6,725
Nationwide	$2,526	$6,725
Farmers	$2,528	$3,698
Farmers	$2,528	$3,698
Allstate	$2,628	$5,587
Allstate	$2,628	$5,587
Kemper	$2,658	$4,827
Kemper	$2,658	$4,827
Nationwide	$2,693	$6,386
Nationwide	$2,693	$6,386
Allstate	$2,724	$5,895
Allstate	$2,724	$5,895
Farmers	$2,734	$4,262
Farmers	$2,734	$4,262
Farmers	$2,760	$4,037
Farmers	$2,760	$4,037
Allstate	$2,772	$5,895
Allstate	$2,772	$5,895
Kemper	$2,865	$5,204
Kemper	$2,865	$5,204
Farmers	$2,876	$5,489
Farmers	$2,876	$5,489
Kemper	$2,894	$5,739
Kemper	$2,894	$5,739
Progressive	$2,946	$5,368
Progressive	$2,946	$5,368
Farmers	$2,947	$5,742
Farmers	$2,947	$5,742
Farmers	$2,956	$5,641
Farmers	$2,956	$5,641
Progressive	$3,133	$5,025
Progressive	$3,133	$5,025
Capital Insurance Group	$3,146	$3,977
Capital Insurance Group	$3,146	$3,977
Capital Insurance Group	$3,146	$3,977
Capital Insurance Group	$3,146	$3,977
Capital Insurance Group	$3,146	$3,977
Capital Insurance Group	$3,146	$3,977
Travelers	$3,223	$4,830
Travelers	$3,223	$4,830
Travelers	$3,365	$5,043
Travelers	$3,365	$5,043
Travelers	$3,373	$5,292
Travelers	$3,373	$5,292
Progressive	$3,402	$6,823
Progressive	$3,402	$6,823
Progressive	$3,424	$6,884
Progressive	$3,424	$6,884
Progressive	$3,437	$6,893
Progressive	$3,437	$6,893
Nationwide	$3,865	$9,147
Nationwide	$3,865	$9,147
Nationwide	$4,341	$10,273
Nationwide	$4,341	$10,273
Kemper	$4,378	$7,840
Kemper	$4,378	$7,840
Nationwide	$4,482	$12,400
Nationwide	$4,482	$12,400
Kemper	$4,817	$8,627
Kemper	$4,817	$8,627
Kemper	$4,859	$9,636
Kemper	$4,859	$9,636

Adding a teen to a family policy is more cost-effective than buying them separate insurance, and in most cases, a teen under 18 must have a parent or guardian as a co-signer to get insurance legally. For instance, adding a 16-year-old teen to a family policy in San Jose costs $673 less than purchasing a different policy for them. You can save hundreds each year by finding the cheapest auto insurance for your teen driver.

MONEYGEEK EXPERT TIP

It isn't just teens that benefit from California not allowing gender as a rating factor when pricing car insurance. Whether you are in your 20s, 30s, 40s or beyond, the gender you identify as won't influence how much you pay to insure your car in San Jose. Plus, California does not allow other rating factors that are common elsewhere, such as credit history, level of education and occupation. But, your motor vehicle record, how many years of experience you have, how much you drive and the type of vehicle you drive will significantly influence your premium. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheapest Car Insurance in San Jose for Military Drivers

The cheapest full coverage auto insurance companies for military service personnel, veterans and their families in San Jose are:

USAA: $877 per year
GEICO: $934 per year

GEICO is the cheapest option for minimum coverage at $339 per year, followed by USAA at $380.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$335	$28
GEICO	$339	$28
State Farm	$351	$29
USAA	$380	$32
USAA	$380	$32
GEICO	$399	$33
CSAA	$427	$36
CSAA	$433	$36
USAA	$460	$38
State Farm	$464	$39
Mercury	$469	$39
CSAA	$470	$39
Mercury	$479	$40
Progressive	$494	$41
Progressive	$497	$41
Kemper	$506	$42
Travelers	$527	$44
Travelers	$528	$44
State Farm	$531	$44
Nationwide	$554	$46
Nationwide	$576	$48
Kemper	$584	$49
Mercury	$584	$49
State National	$585	$49
Progressive	$586	$49
Hartford	$592	$49
National General	$597	$50
Travelers	$602	$50
State National	$603	$50
Farmers	$604	$50
Allstate	$608	$51
Allstate	$611	$51
National General	$615	$51
Capital Insurance Group	$615	$51
Farmers	$622	$52
Capital Insurance Group	$637	$53
Allstate	$658	$55
Hartford	$674	$56
Farmers	$707	$59
State National	$713	$59
Capital Insurance Group	$714	$60
Nationwide	$728	$61
Chubb	$731	$61
National General	$735	$61
Chubb	$753	$63
Kemper	$770	$64
USAA	$857	$71
Hartford	$861	$72
USAA	$877	$73
State Farm	$888	$74
GEICO	$902	$75
GEICO	$934	$78
National General	$1,033	$86
Chubb	$1,044	$87
National General	$1,048	$87
USAA	$1,050	$88
Allstate	$1,055	$88
Progressive	$1,068	$89
Progressive	$1,073	$89
GEICO	$1,074	$90
Allstate	$1,104	$92
State Farm	$1,138	$95
Mercury	$1,164	$97
CSAA	$1,181	$98
CSAA	$1,189	$99
Mercury	$1,191	$99
Allstate	$1,225	$102
Hartford	$1,239	$103
National General	$1,252	$104
Nationwide	$1,261	$105
Capital Insurance Group	$1,277	$106
Progressive	$1,288	$107
CSAA	$1,295	$108
State National	$1,305	$109
State Farm	$1,331	$111
Capital Insurance Group	$1,354	$113
Nationwide	$1,369	$114
Travelers	$1,374	$114
State National	$1,404	$117
Kemper	$1,416	$118
Hartford	$1,420	$118
Travelers	$1,437	$120
Farmers	$1,507	$126
Capital Insurance Group	$1,525	$127
Farmers	$1,538	$128
Mercury	$1,540	$128
Travelers	$1,707	$142
State National	$1,732	$144
Kemper	$1,753	$146
Chubb	$1,760	$147
Nationwide	$1,788	$149
Chubb	$1,816	$151
Hartford	$1,821	$152
Farmers	$1,824	$152
Kemper	$2,101	$175
Chubb	$2,588	$216

How to Compare Cheap San Jose Car Insurance Quotes Online

In San Jose, obtaining an online auto insurance quote can take 15 minutes or longer and requires you to enter a lot of personal data. The MoneyGeek auto insurance calculator can give you a quick estimate when you just enter your age, the level of coverage you require, the vehicle type and your driving history.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

Cheapest Car Insurance in San Jose for Young Adults

Young adults in San Jose can find the most affordable full coverage car insurance from the following companies:

GEICO: $1,074 per year
Allstate: $1,225 per year

Chubb offers young adults the most expensive coverage in the city at $2,588 a year.

In San Jose, drivers under 25 pay an average of $316 more for car insurance than middle-aged adults. Drivers in their 20s lack experience, making them more likely to be in accidents than drivers in their 40s. To find the cheapest car insurance for young adult drivers, compare quotes.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$335	$28
GEICO	$339	$28
State Farm	$351	$29
GEICO	$399	$33
CSAA	$427	$36
CSAA	$433	$36
State Farm	$464	$39
Mercury	$469	$39
CSAA	$470	$39
Mercury	$479	$40
Progressive	$494	$41
Progressive	$497	$41
Kemper	$506	$42
Travelers	$527	$44
Travelers	$528	$44
State Farm	$531	$44
Nationwide	$554	$46
Nationwide	$576	$48
Kemper	$584	$49
Mercury	$584	$49
State National	$585	$49
Progressive	$586	$49
Hartford	$592	$49
National General	$597	$50
Travelers	$602	$50
State National	$603	$50
Farmers	$604	$50
Allstate	$608	$51
Allstate	$611	$51
National General	$615	$51
Capital Insurance Group	$615	$51
Farmers	$622	$52
Capital Insurance Group	$637	$53
Allstate	$658	$55
Hartford	$674	$56
Farmers	$707	$59
State National	$713	$59
Capital Insurance Group	$714	$60
Nationwide	$728	$61
Chubb	$731	$61
National General	$735	$61
Chubb	$753	$63
Kemper	$770	$64
Hartford	$861	$72
State Farm	$888	$74
GEICO	$902	$75
GEICO	$934	$78
National General	$1,033	$86
Chubb	$1,044	$87
National General	$1,048	$87
Allstate	$1,055	$88
Progressive	$1,068	$89
Progressive	$1,073	$89
GEICO	$1,074	$90
Allstate	$1,104	$92
State Farm	$1,138	$95
Mercury	$1,164	$97
CSAA	$1,181	$98
CSAA	$1,189	$99
Mercury	$1,191	$99
Allstate	$1,225	$102
Hartford	$1,239	$103
National General	$1,252	$104
Nationwide	$1,261	$105
Capital Insurance Group	$1,277	$106
Progressive	$1,288	$107
CSAA	$1,295	$108
State National	$1,305	$109
State Farm	$1,331	$111
Capital Insurance Group	$1,354	$113
Nationwide	$1,369	$114
Travelers	$1,374	$114
State National	$1,404	$117
Kemper	$1,416	$118
Hartford	$1,420	$118
Travelers	$1,437	$120
Farmers	$1,507	$126
Capital Insurance Group	$1,525	$127
Farmers	$1,538	$128
Mercury	$1,540	$128
Travelers	$1,707	$142
State National	$1,732	$144
Kemper	$1,753	$146
Chubb	$1,760	$147
Nationwide	$1,788	$149
Chubb	$1,816	$151
Hartford	$1,821	$152
Farmers	$1,824	$152
Kemper	$2,101	$175
Chubb	$2,588	$216

Cheapest Car Insurance in San Jose for Seniors

The following companies offer seniors the lowest full coverage auto insurance in San Jose:

State Farm: $888 per year
GEICO: $902 per year

With a yearly premium of $1,816, Chubb offers the most expensive auto insurance for seniors. Compared to drivers in their 40s, MoneyGeek found seniors in their 60s in San Jose pay $34 less on average for auto insurance — it's more common for seniors to pay more, though.

In their 70s and 80s, premiums increase because older drivers are more likely to be in accidents. Shop around and compare quotes to find the cheapest car insurance for senior drivers.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$335	$28
GEICO	$339	$28
State Farm	$351	$29
GEICO	$399	$33
CSAA	$427	$36
CSAA	$433	$36
State Farm	$464	$39
Mercury	$469	$39
CSAA	$470	$39
Mercury	$479	$40
Progressive	$494	$41
Progressive	$497	$41
Kemper	$506	$42
Travelers	$527	$44
Travelers	$528	$44
State Farm	$531	$44
Nationwide	$554	$46
Nationwide	$576	$48
Kemper	$584	$49
Mercury	$584	$49
State National	$585	$49
Progressive	$586	$49
Hartford	$592	$49
National General	$597	$50
Travelers	$602	$50
State National	$603	$50
Farmers	$604	$50
Allstate	$608	$51
Allstate	$611	$51
National General	$615	$51
Capital Insurance Group	$615	$51
Farmers	$622	$52
Capital Insurance Group	$637	$53
Allstate	$658	$55
Hartford	$674	$56
Farmers	$707	$59
State National	$713	$59
Capital Insurance Group	$714	$60
Nationwide	$728	$61
Chubb	$731	$61
National General	$735	$61
Chubb	$753	$63
Kemper	$770	$64
Hartford	$861	$72
State Farm	$888	$74
GEICO	$902	$75
GEICO	$934	$78
National General	$1,033	$86
Chubb	$1,044	$87
National General	$1,048	$87
Allstate	$1,055	$88
Progressive	$1,068	$89
Progressive	$1,073	$89
GEICO	$1,074	$90
Allstate	$1,104	$92
State Farm	$1,138	$95
Mercury	$1,164	$97
CSAA	$1,181	$98
CSAA	$1,189	$99
Mercury	$1,191	$99
Allstate	$1,225	$102
Hartford	$1,239	$103
National General	$1,252	$104
Nationwide	$1,261	$105
Capital Insurance Group	$1,277	$106
Progressive	$1,288	$107
CSAA	$1,295	$108
State National	$1,305	$109
State Farm	$1,331	$111
Capital Insurance Group	$1,354	$113
Nationwide	$1,369	$114
Travelers	$1,374	$114
State National	$1,404	$117
Kemper	$1,416	$118
Hartford	$1,420	$118
Travelers	$1,437	$120
Farmers	$1,507	$126
Capital Insurance Group	$1,525	$127
Farmers	$1,538	$128
Mercury	$1,540	$128
Travelers	$1,707	$142
State National	$1,732	$144
Kemper	$1,753	$146
Chubb	$1,760	$147
Nationwide	$1,788	$149
Chubb	$1,816	$151
Hartford	$1,821	$152
Farmers	$1,824	$152
Kemper	$2,101	$175
Chubb	$2,588	$216

Cheapest Car Insurance in San Jose for Sports Cars

If you own a sports car in San Jose, these companies offer the best rates on full coverage auto insurance:

GEICO: $1,186 per year
Progressive: $1,232 per year

Chubb, at $2,095 yearly, is the most expensive car insurer in San Jose for customers who drive sports cars.

Sports car insurance prices are higher in San Jose. For example, a Ford Mustang driver will pay $207 more per year than a Toyota Camry driver. Those looking for cheap sports car auto insurance should compare quotes to get the best deals.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$308	$26
GEICO	$312	$26
GEICO	$367	$31
Progressive	$371	$31
State Farm	$371	$31
Progressive	$376	$31
Progressive	$436	$36
Travelers	$449	$37
Travelers	$450	$38
Kemper	$485	$40
State Farm	$490	$41
Travelers	$511	$43
Farmers	$525	$44
Farmers	$540	$45
Kemper	$559	$47
State Farm	$560	$47
Nationwide	$564	$47
Nationwide	$587	$49
Capital Insurance Group	$608	$51
Farmers	$612	$51
Capital Insurance Group	$629	$52
Allstate	$679	$57
Allstate	$681	$57
Capital Insurance Group	$705	$59
Chubb	$731	$61
Allstate	$736	$61
Kemper	$737	$61
Nationwide	$741	$62
Chubb	$753	$63
Chubb	$1,044	$87
State Farm	$1,070	$89
GEICO	$1,136	$95
GEICO	$1,186	$99
Progressive	$1,215	$101
Progressive	$1,232	$103
Travelers	$1,283	$107
Allstate	$1,325	$110
Travelers	$1,350	$113
GEICO	$1,356	$113
State Farm	$1,362	$113
Allstate	$1,395	$116
Capital Insurance Group	$1,414	$118
Nationwide	$1,465	$122
Progressive	$1,476	$123
Capital Insurance Group	$1,507	$126
Farmers	$1,516	$126
Allstate	$1,559	$130
Farmers	$1,562	$130
State Farm	$1,602	$134
Nationwide	$1,606	$134
Travelers	$1,610	$134
Kemper	$1,673	$139
Capital Insurance Group	$1,699	$142
Farmers	$1,853	$154
Chubb	$2,095	$175
Kemper	$2,101	$175
Nationwide	$2,117	$176
Chubb	$2,164	$180
Kemper	$2,462	$205
Chubb	$3,096	$258

MoneyGeek used a Ford Mustang as its sample sports car, but insurance costs can vary depending on the car’s make and model. In addition, insurance premiums for luxury, electric and sports automobiles are generally higher than average.

Average Cost of Car Insurance in San Jose

The average cost of car insurance in San Jose is $1,290 per year. This amount is $25 more than the $1,265 national cost of car insurance and $97 less than the $1,387 average cost of auto insurance in California. San Jose’s average auto insurance rate is cheaper than Fremont's ($1,296 per year) but more expensive than Santa Clara’s ($1,289 per year) and Sunnyvale's ($1,279 per year). Location is one of several factors affecting car insurance rates.

The prices listed above are for full coverage auto insurance policies with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

City	Full Coverage Average Annual Premium	Minimum Coverage Average Annual Premium
Santa Maria	$1,106	$462
Visalia	$1,179	$500
Chula Vista	$1,189	$501
Ventura	$1,189	$539
Salinas	$1,199	$496
San Diego	$1,202	$521
Vista	$1,205	$533
Carlsbad	$1,225	$542
Escondido	$1,232	$533
Bakersfield	$1,234	$527
Clovis	$1,239	$549
Fairfield	$1,241	$520
Oceanside	$1,246	$550
San Mateo	$1,249	$537
Murrieta	$1,250	$554
Oxnard	$1,260	$549
Temecula	$1,270	$552
Sunnyvale	$1,279	$551
Fresno	$1,281	$549
El Cajon	$1,285	$560
Santa Clara	$1,289	$559
San Jose	$1,290	$551
Fremont	$1,296	$540
Roseville	$1,309	$587
Orange	$1,310	$587
Concord	$1,315	$558
Jurupa Valley	$1,324	$573
Santa Rosa	$1,326	$543
Rancho Cucamonga	$1,330	$568
Sacramento	$1,331	$576
Berkeley	$1,342	$551
Costa Mesa	$1,342	$621
Huntington Beach	$1,349	$617
Torrance	$1,351	$608
Riverside	$1,351	$583
Corona	$1,351	$589
Simi Valley	$1,352	$621
Moreno Valley	$1,357	$578
San Bernardino	$1,369	$583
Elk Grove	$1,370	$598
Ontario	$1,374	$594
Hayward	$1,374	$559
Vallejo	$1,378	$556
Fontana	$1,384	$589
Rialto	$1,391	$585
Santa Ana	$1,399	$622
Richmond	$1,400	$583
Modesto	$1,401	$608
Victorville	$1,402	$594
Antioch	$1,403	$570
Stockton	$1,407	$590
Thousand Oaks	$1,408	$638
Irvine	$1,411	$633
Arden-Arcade	$1,430	$647
Pomona	$1,432	$618
Santa Clarita	$1,444	$654
Anaheim	$1,448	$648
Norwalk	$1,460	$633
Lancaster	$1,462	$659
Oakland	$1,469	$598
West Covina	$1,478	$656
Fullerton	$1,480	$657
San Francisco	$1,486	$613
Garden Grove	$1,488	$682
Long Beach	$1,497	$649
Palmdale	$1,507	$667
Daly City	$1,528	$621
Downey	$1,531	$657
East Los Angeles	$1,562	$677
El Monte	$1,586	$693
Pasadena	$1,598	$704
Burbank	$1,733	$782
Inglewood	$1,740	$774
Los Angeles	$1,877	$820
Glendale	$2,115	$913

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

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Cheapest Car Insurance Companies in San Jose, CA (2023 Rates)

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Cheapest Minimum Coverage Car Insurance in San Jose

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Cheapest Full Coverage Car Insurance in San Jose

Cheapest Car Insurance in San Jose After a Driving Offense

Cheapest Car Insurance in San Jose for Teens and Their Families

Cheapest Car Insurance in San Jose for Military Drivers

How to Compare Cheap San Jose Car Insurance Quotes Online

Cheapest Car Insurance in San Jose for Young Adults

Cheapest Car Insurance in San Jose for Seniors

Cheapest Car Insurance in San Jose for Sports Cars

Average Cost of Car Insurance in San Jose