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Get Cheap Car Insurance in Downtown North San Jose, Palo Alto, CA
We monitor insurance prices, helping the average driver in Downtown North San Jose save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Downtown North San Jose
The chart below shows the cheapest car insurance company in Downtown North San Jose for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| Downtown North San Jose Insurer | Monthly Cost |
|---|---|
| Metromile | $54 |
| Geico | $62 |
| Progressive | $66 |
| Travelers | $68 |
Savings for Every Kind of Downtown North San Jose Driver
Based on our extensive insurance data, we know the average Downtown North San Jose driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $694 per year by choosing the right vehicle insurance company. Some Downtown North San Jose residents are paying out over $2,171 extra every year for auto insurance in Downtown North San Jose. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Downtown North San Jose, Palo Alto, CA Savings / Yr. |
|---|---|
$694 |
|
$1,271 |
|
$1,005 |
|
$1,766 |
|
$907 |
|
$393 |
|
$0 |
Downtown North San Jose Car Insurance vs. Palo Alto
People living in Downtown North San Jose pay an average of 8.10% more than the typical driver in the state. The average driver in Downtown North San Jose can expect to pay about $1,016 per year, or $2,171 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Downtown North San Jose for most people.
Car Insurance Prices by Downtown North San Jose Neighborhood
Insurance Prices
Where is insurance cheapest within Downtown North San Jose?
The map shows insurance prices in and around Downtown North San Jose, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $210 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,293 to a low of $2,083. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the North parts of Downtown North San Jose.Pick the Best Car Insurance Company for You in Downtown North San Jose
The best car insurance provider for most drivers in Downtown North San Jose
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $694 over the average Downtown North San Jose car insurance company.
The best car insurance provider for Downtown North San Jose drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,271 over the competition.
The best car insurance company for Downtown North San Jose drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $1,005 better than other car insurance companies.
The best auto insurance for Downtown North San Jose drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,766 less each year.
The least expensive car insurance company for new and young drivers in Downtown North San Jose
In Downtown North San Jose, State Farm costs young drivers $907 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Downtown North San Jose
Progressive gave the largest car insurance discounts to married couples, averaging $393 saved each year compared to an average Downtown North San Jose couple's premiums.
The cheapest car insurance in Downtown North San Jose for drivers with bad credit
The best Downtown North San Jose car insurance company for customer service
Nationwide was the best company for customer service in Downtown North San Jose according to the NAIC.
Recent price drops
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The cheapest large national provider in Downtown North San Jose
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Downtown North San Jose driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Downtown North San Jose, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Downtown North San Jose
What Influences the Cost of Car Insurance in Downtown North San Jose?
On average, car insurance in Downtown North San Jose is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- The average commute time in Downtown North San Jose is 42 minutes, which is far more than average for a driver in the city.
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Downtown North San Jose are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Downtown North San Jose is one of the least populated areas in the state. The neighborhood’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Downtown North San Jose is $85 per month for minimum coverage and $181 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- University South: Insurance costs 3.96% less
- Crescent Park: Insurance costs 7.78% less
- Downtown Menlo Park: Insurance costs 2.16% less
- Old Palo Alto: Insurance costs 5.57% less
- Stanford University: Insurance costs 10.59% less
- Duveneck-Saint Francis: Insurance costs 7.37% less
- Belle Haven: Insurance costs 5.02% more
- West Atherton: Insurance costs 5.16% less
- Midtown-San Jose: Insurance costs 6.86% less
- Ventura: Insurance costs 3.82% less
Neighborhoods with Similar Populations
- Argyle Park: Insurance costs 35.01% less
- Oakwell Farms: Insurance costs 17.13% less
- Miramonte: Insurance costs 13.63% less
- Montlake: Insurance costs 26.95% less
- Mornngside: Insurance costs 21.97% less
- North Growth Area: Insurance costs 11.29% less
- North Lauderdale Estates: Insurance costs 63.33% more
- North Middletown: Insurance costs 15.11% less
- North River Shores: Insurance costs 16.31% more
- North Side Hill: Insurance costs 47.03% less