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Get Cheap Car Insurance in North San Jose, San Jose, CA
We monitor insurance prices, helping the average driver in North San Jose save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in North San Jose
The chart below shows the cheapest car insurance company in 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.
| North San Jose Insurer | Monthly Cost |
|---|---|
| Metromile | $53 |
| Geico | $59 |
| Progressive | $63 |
| Travelers | $66 |
Savings for Every Kind of North San Jose Driver
Based on our extensive insurance data, we know the average 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 $669 per year by choosing the right vehicle insurance company. Some North San Jose residents are paying out over $2,092 extra every year for auto insurance in North San Jose. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
North San Jose, San Jose, CA Savings / Yr. |
|---|---|
$669 |
|
$1,225 |
|
$969 |
|
$1,702 |
|
$874 |
|
$379 |
|
$0 |
North San Jose Car Insurance vs. San Jose
People living in North San Jose pay an average of 4.19% more than the typical driver in the state. The average driver in North San Jose can expect to pay about $979 per year, or $2,092 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in North San Jose for most people.
Car Insurance Prices by North San Jose Neighborhood
Insurance Prices
Where is insurance cheapest within North San Jose?
The map shows insurance prices in and around North San Jose, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $290 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,176 to a low of $1,886. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southwest parts of North San Jose.Pick the Best Car Insurance Company for You in North San Jose
The best car insurance provider for most drivers in North San Jose
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $669 over the average North San Jose car insurance company.
The best car insurance provider for 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 $1,225 over the competition.
The best car insurance company for North San Jose drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $969 better than other car insurance companies.
The best auto insurance for North San Jose drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,702 less each year.
The least expensive car insurance company for new and young drivers in North San Jose
In North San Jose, State Farm costs young drivers $874 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in North San Jose
Progressive gave the largest car insurance discounts to married couples, averaging $379 saved each year compared to an average North San Jose couple's premiums.
The cheapest car insurance in North San Jose for drivers with bad credit
The best North San Jose car insurance company for customer service
Nationwide was the best company for customer service in North San Jose according to the NAIC.
Recent price drops
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The cheapest large national provider in North San Jose
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average 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 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 North San Jose
What Influences the Cost of Car Insurance in North San Jose?
On average, car insurance in 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:
- 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 North San Jose are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
- North 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 North San Jose is $82 per month for minimum coverage and $174 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
- Lakewood: Insurance costs 4.11% less
- North Valley: Insurance costs 4.45% more
- San Miguel: Insurance costs 3.15% less
- Berryessa: Insurance costs 1.96% less
- Snail: Insurance costs 2.06% less
- Rose Garden: Insurance costs 0.24% less
- Ponderosa Park: Insurance costs 3.39% less
- Downtown San Jose: Insurance costs 4.68% more
- Lowlanders: Insurance costs 1.91% less
- Burbank: Insurance costs 0.33% less
Neighborhoods with Similar Populations
- Carmel Valley: Insurance costs 8.84% less
- university: Insurance costs 30.02% more
- Uptown: Insurance costs 10.47% less
- Brea-Olinda: Insurance costs 3.68% more
- Columbia Heights: Insurance costs 13.67% more
- West Side: Insurance costs 18.31% more
- Clinton: Insurance costs 51.10% more
- Capitol Hill: Insurance costs 18.83% less
- Capitol Hill: Insurance costs 7.27% more
- Clinton Hill: Insurance costs 51.82% more