Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in San Jose, CA
We monitor insurance prices, helping the average driver in the San Jose area save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in San Jose
The chart below shows the cheapest car insurance company in 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.
| San Jose Insurer | Monthly Cost |
|---|---|
| Metromile | $52 |
| Geico | $59 |
| Progressive | $63 |
| Travelers | $65 |
Savings for Every Kind of San Jose Driver
Based on our extensive insurance data, we know the average 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 $663 per year by choosing the right vehicle insurance company. Some San Jose residents are paying out over $2,075 extra every year for auto insurance in San Jose. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
San Jose, CA Savings / Yr. |
|---|---|
$663 |
|
$1,215 |
|
$961 |
|
$1,688 |
|
$867 |
|
$376 |
|
$0 |
San Jose Car Insurance vs. California
People living in San Jose pay an average of 3.33% more than the typical driver in the state. The average driver in San Jose can expect to pay about $971 per year, or $2,075 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in San Jose for most people.
Car Insurance Prices by San Jose Neighborhood
Insurance Prices
Where is insurance cheapest within San Jose?
The map shows insurance prices in and around San Jose, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $581 per year within the city boundaries, with insurance premiums ranging from a high of $2,443 to a low of $1,862. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southwest parts of San Jose.Pick the Best Car Insurance Company for You in San Jose
The best car insurance provider for most drivers in San Jose
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $663 over the average San Jose car insurance company.
The best car insurance provider for 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 $1,215 over the competition.
The best car insurance company for San Jose drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $961 better than other car insurance companies.
The best auto insurance for San Jose drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,688 less each year.
The least expensive car insurance company for new and young drivers in San Jose
In San Jose, State Farm costs young drivers $867 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in San Jose
Progressive gave the largest car insurance discounts to married couples, averaging $376 saved each year compared to an average San Jose couple's premiums.
The cheapest car insurance in San Jose for drivers with bad credit
The best San Jose car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in San Jose, which was better than other insurers.
The cheapest large national provider in San Jose
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average 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 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 San Jose
What Influences the Cost of Car Insurance in San Jose?
On average, car insurance in 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 city are influenced by the following factors:
- The average commute time in the San Jose area is 36 minutes, which is about the national average for a driver in the state.
- 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 the San Jose area are about 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.
- San Jose is one of the most densely populated areas in the state. The city’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 San Jose is $81 per month for minimum coverage and $173 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 Cities
- Alum Rock: Insurance costs 5.40% more
- Campbell: Insurance costs 1.11% less
- Santa Clara: Insurance costs 1.69% less
- Mount Hamilton: Insurance costs 0.77% less
- Los Gatos: Insurance costs 2.51% less
- Monte Sereno: Insurance costs 5.64% less
- Milpitas: Insurance costs 0.29% more
- Saratoga: Insurance costs 1.54% less
- Cupertino: Insurance costs 1.83% less
- Sunnyvale: Insurance costs 2.51% less
Cities with Similar Populations
- Cranston: Insurance costs 18.22% more
- Corona: Insurance costs 6.27% more
- Corpus Christi: Insurance costs 13.40% less
- Concord: Insurance costs 1.69% more
- College Station: Insurance costs 20.96% less
- Columbia: Insurance costs 17.11% less
- Covington: Insurance costs 5.11% less
- Columbus: Insurance costs 11.08% less
- Compton: Insurance costs 19.37% more
- Carmel: Insurance costs 42.27% less