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Get Cheap Car Insurance in Downtown San Jose, San Jose, CA
We monitor insurance prices, helping the average driver in Downtown San Jose save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Downtown San Jose
The chart below shows the cheapest car insurance company in Downtown 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 San Jose Insurer | Monthly Cost |
|---|---|
| Metromile | $55 |
| Geico | $62 |
| Progressive | $66 |
| Travelers | $69 |
Savings for Every Kind of Downtown San Jose Driver
Based on our extensive insurance data, we know the average Downtown 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 $700 per year by choosing the right vehicle insurance company. Some Downtown San Jose residents are paying out over $2,190 extra every year for auto insurance in Downtown San Jose. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Downtown San Jose, San Jose, CA Savings / Yr. |
|---|---|
$700 |
|
$1,283 |
|
$1,014 |
|
$1,782 |
|
$915 |
|
$397 |
|
$0 |
Downtown San Jose Car Insurance vs. San Jose
People living in Downtown San Jose pay an average of 9.07% more than the typical driver in the state. The average driver in Downtown San Jose can expect to pay about $1,025 per year, or $2,190 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Downtown San Jose for most people.
Car Insurance Prices by Downtown San Jose Neighborhood
Insurance Prices
Where is insurance cheapest within Downtown San Jose?
The map shows insurance prices in and around Downtown San Jose, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $454 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,443 to a low of $1,989. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Southwest parts of Downtown San Jose.Pick the Best Car Insurance Company for You in Downtown San Jose
The best car insurance provider for most drivers in Downtown San Jose
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $700 over the average Downtown San Jose car insurance company.
The best car insurance provider for Downtown 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 $1,283 over the competition.
The best car insurance company for Downtown San Jose drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $1,014 better than other car insurance companies.
The best auto insurance for Downtown San Jose drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,782 less each year.
The least expensive car insurance company for new and young drivers in Downtown San Jose
In Downtown San Jose, State Farm costs young drivers $915 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Downtown San Jose
Progressive gave the largest car insurance discounts to married couples, averaging $397 saved each year compared to an average Downtown San Jose couple's premiums.
The cheapest car insurance in Downtown San Jose for drivers with bad credit
The best Downtown San Jose car insurance company for customer service
Nationwide was the best company for customer service in Downtown San Jose according to the NAIC.
Recent price drops
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The cheapest large national provider in Downtown San Jose
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Downtown 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 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 San Jose
What Influences the Cost of Car Insurance in Downtown San Jose?
On average, car insurance in Downtown 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 San Jose is 35 minutes, which is about the national 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 San Jose are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
- Downtown San Jose is one of the most densely populated areas in the state. The neighborhood’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Downtown San Jose is $85 per month for minimum coverage and $183 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
- Naglee Park: Insurance costs 1.00% less
- Alma: Insurance costs 3.38% less
- Rose Garden: Insurance costs 4.70% less
- North Valley: Insurance costs 0.23% less
- Burbank: Insurance costs 4.79% less
- Willow Glen: Insurance costs 5.43% less
- East San Jose: Insurance costs 0.05% less
- East Foothills: Insurance costs 1.60% less
- Garden-Villa Montery: Insurance costs 5.02% more
- Berryessa: Insurance costs 6.35% less
Neighborhoods with Similar Populations
- White Haven-Coro Lake: Insurance costs 22.69% less
- Cordova-Appling: Insurance costs 27.90% less
- Mid Wilshire: Insurance costs 15.21% more
- Ewa: Insurance costs 33.11% less
- Far North Dallas-Keller: Insurance costs 19.82% less
- Far Northeast: Insurance costs 18.68% less
- Far Rockaway: Insurance costs 55.66% more
- West: Insurance costs 18.86% less
- Soundview: Insurance costs 62.01% more
- Allston-Brighton: Insurance costs 13.20% less