In San Jose, Travelers offers the best home insurance, balancing affordability, customer service and coverage options. For residents focusing on cost, Travelers also provides the lowest premium at $87 per month.
Cheap Home Insurance in San Jose
Updated: June 12, 2025
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Key Takeaways
Travelers is the best overall and cheapest home insurance company in San Jose, offering the lowest rate at $1,041 annually.
For most homeowners in San Jose, home insurance costs around $113 per month or $1,353 per year.
To secure the best and cheapest home insurance in San Jose, assess your coverage needs, research providers and compare quotes thoroughly.
Best Cheap Home Insurance Companies in San Jose
| Travelers | 90 | $87 | $1,041 |
| State Farm | 89 | $92 | $1,104 |
| Farmers | 76 | $104 | $1,248 |
| Allstate | 74 | $104 | $1,250 |
| Capital Insurance Group | 64 | $98 | $1,181 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does San Jose Home Insurance Cost?
Home insurance costs in San Jose depend on factors like your home’s age, chosen coverage and personal profile. Rates range from $34 to $409 monthly. Use the table below to explore rates tailored to your situation.
Data filtered by:Results filtered by:
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Age of Home:Newer Home
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $34 | $410 |
How to Get the Best Cheap Home Insurance in San Jose
It can be challenging to find affordable home insurance in San Jose. We've created a step-by-step guide to help you discover the best cheap homeowners insurance that meets your needs.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand allows you to compare quotes easily and prevents you from being oversold by agents.
- 2
Research Cost and Discounts
Researching average home insurance costs in California for your city and profile can help you gauge potential savings. Understanding what discounts you may qualify for will help you find companies that offer them, leading to lower rates.
- 3
Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit, and user review sites like Trustpilot.
- 4
Compare Many Quotes Through Multiple Means
Comparing multiple quotes on an apples-to-apples basis will help you identify the cheaper option for you. Pricing also varies depending on where you get your quote. We recommend getting quotes from online tools, independent agents and captive agents to make sure you find the lowest price.
Best Home Insurance in San Jose: Bottom Line
The best and most affordable home insurance companies in San Jose are Travelers, State Farm and Farmers. While these are our top recommendations, comparing multiple quotes yourself ensures you're getting the best rate.
San Jose Home Insurance: FAQ
Below, we answer common home insurance questions for residents of San Jose.
Who offers the best home insurance in San Jose?
We recommend Travelers as the best home insurance provider in San Jose for its affordable pricing, excellent service and broad selection of add-ons. We also recommend getting quotes from State Farm, Farmers, Allstate and Capital Insurance Group.
Who has the cheapest home insurance in San Jose?
Travelers offers the cheapest home insurance in San Jose, with an average cost of $87 per month or $1,041 annually. However, individual rates may differ based on your home's specifics and insurance needs.
What does home insurance cost in San Jose?
Home insurance costs in San Jose range from $410 to $4,914 annually, depending on property specifics and coverage levels.
How We Decided the Best Cheap Home Insurance Companies in San Jose
MoneyGeek’s study analyzed home insurance premiums from 10 companies in San Jose. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500-square-foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.