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Get Cheap Car Insurance in Midtown-San Jose, Palo Alto, CA
We monitor insurance prices, helping the average driver in Midtown-San Jose save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Midtown-San Jose
The chart below shows the cheapest car insurance company in Midtown-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.
| Midtown-San Jose Insurer | Monthly Cost |
|---|---|
| Metromile | $51 |
| Geico | $57 |
| Progressive | $61 |
| Travelers | $63 |
Savings for Every Kind of Midtown-San Jose Driver
Based on our extensive insurance data, we know the average Midtown-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 $646 per year by choosing the right vehicle insurance company. Some Midtown-San Jose residents are paying out over $2,022 extra every year for auto insurance in Midtown-San Jose. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Midtown-San Jose, Palo Alto, CA Savings / Yr. |
|---|---|
$646 |
|
$1,184 |
|
$936 |
|
$1,645 |
|
$845 |
|
$366 |
|
$0 |
Midtown-San Jose Car Insurance vs. Palo Alto
People living in Midtown-San Jose pay an average of 0.68% more than the typical driver in the state. The average driver in Midtown-San Jose can expect to pay about $946 per year, or $2,022 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Midtown-San Jose for most people.
Car Insurance Prices by Midtown-San Jose Neighborhood
Insurance Prices
Where is insurance cheapest within Midtown-San Jose?
The map shows insurance prices in and around Midtown-San Jose, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $182 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,114 to a low of $1,932. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the North parts of Midtown-San Jose.Pick the Best Car Insurance Company for You in Midtown-San Jose
The best car insurance provider for most drivers in Midtown-San Jose
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $646 over the average Midtown-San Jose car insurance company.
The best car insurance provider for Midtown-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 $1,184 over the competition.
The best car insurance company for Midtown-San Jose drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $936 better than other car insurance companies.
The best auto insurance for Midtown-San Jose drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,645 less each year.
The least expensive car insurance company for new and young drivers in Midtown-San Jose
In Midtown-San Jose, State Farm costs young drivers $845 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Midtown-San Jose
Progressive gave the largest car insurance discounts to married couples, averaging $366 saved each year compared to an average Midtown-San Jose couple's premiums.
The cheapest car insurance in Midtown-San Jose for drivers with bad credit
The best Midtown-San Jose car insurance company for customer service
Nationwide was the best company for customer service in Midtown-San Jose according to the NAIC.
Recent price drops
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The cheapest large national provider in Midtown-San Jose
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Midtown-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 Midtown-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 Midtown-San Jose
What Influences the Cost of Car Insurance in Midtown-San Jose?
On average, car insurance in Midtown-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:
- 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 Midtown-San Jose are among the highest 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.
- Midtown-San Jose has an average population density 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 Midtown-San Jose is $79 per month for minimum coverage and $168 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
- Fairmeadow: Insurance costs 0.05% less
- Duveneck-Saint Francis: Insurance costs 0.54% less
- Ventura: Insurance costs 3.26% more
- Old Palo Alto: Insurance costs 1.38% more
- Barron Park: Insurance costs 2.27% less
- Crescent Park: Insurance costs 0.99% less
- University South: Insurance costs 3.12% more
- Downtown North San Jose: Insurance costs 7.37% more
- Stanford University: Insurance costs 4.01% less
- Monta Loma: Insurance costs 1.43% less
Neighborhoods with Similar Populations
- Crossroads: Insurance costs 3.17% less
- Athmar Park: Insurance costs 9.05% more
- Eastgate: Insurance costs 19.19% less
- East Springfield: Insurance costs 13.06% less
- East Grove: Insurance costs 1.53% less
- Downtown Ontario: Insurance costs 16.17% more
- Downtown Harbor-Post Road South: Insurance costs 2.27% more
- Cross Fletcher: Insurance costs 65.78% more
- Craven: Insurance costs 32.44% more
- Coves North: Insurance costs 8.31% less