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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.

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2023

Cheapest Car Insurance in San Jose, CA

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.

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

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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.

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.

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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.

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.

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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.

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.

mglogo icon
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.

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.

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Average Annual Auto Insurance Rates

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

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

Progressive

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.

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.

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.

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 headshot

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.