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Get Cheap Car Insurance in Santa Teresa, San Jose, CA

We monitor insurance prices, helping the average driver in Santa Teresa save up to 33.7% on car insurance.

 

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The Cheapest Minimum Coverage in Santa Teresa

The chart below shows the cheapest car insurance company in Santa Teresa 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.

 
Santa Teresa Insurer Monthly Cost
Metromile $52
Geico $59
Progressive $63
Travelers $65

Savings for Every Kind of Santa Teresa Driver

The table shows how much the average auto insurance customer in Santa Teresa might save by following our recommendations.

Based on our extensive insurance data, we know the average Santa Teresa 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 $661 per year by choosing the right vehicle insurance company. Some Santa Teresa residents are paying out over $2,066 extra every year for auto insurance in Santa Teresa. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Santa Teresa, San Jose, CA Savings / Yr.
Drivers with good records
$661
Drivers with accidents
$1,210
Drivers with speeding tickets
$957
Drivers with a DUI conviction
$1,681
Young drivers
$863
Married drivers
$375
Drivers with bad credit
$0

Santa Teresa Car Insurance vs. San Jose

People living in Santa Teresa pay an average of 2.88% more than the typical driver in the state. The average driver in Santa Teresa can expect to pay about $967 per year, or $2,066 for full coverage.

Based on our analysis, Metromile will be the cheapest provider in Santa Teresa for most people.

Car Insurance Prices by Santa Teresa Neighborhood

Santa Teresa, San Jose, CA map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Santa Teresa?

The map shows insurance prices in and around Santa Teresa, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $216 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,191 to a low of $1,975. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southeast parts of Santa Teresa.

Pick the Best Car Insurance Company for You in Santa Teresa

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Santa Teresa insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Santa Teresa

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $661 over the average Santa Teresa car insurance company.

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We use the average good driver, paying $117 per month, as our baseline for pricing in Santa Teresa. Allstate, Metromile, and Esurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Santa Teresa drivers with accidents on their records

In Santa Teresa getting into an accident will raise premiums an average 44% for a yearly cost of $3,715. That's $1,649 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Travelers, Metromile, and Mercury Insurance are good choices for drivers with accidents.

In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,210 over the competition.

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The best car insurance company for Santa Teresa drivers with speeding tickets

>Metromile gave the average person with a speeding ticket the most savings, averaging $957 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Santa Teresa, tickets raise premiums on new quotes about $1,048. If you have a speeding ticket, we recommend Geico, Metromile, and Mercury Insurance for savings that beat the average insurance cost of $3,114 per year.

The best auto insurance for Santa Teresa drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $5,232 per year in auto insurance premiums, which was $3,166 more than a driver with no major issues. Progressive, Travelers, and Mercury Insurance penalized their customers the least for a DUI.

Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,681 less each year.

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The least expensive car insurance company for new and young drivers in Santa Teresa

In Santa Teresa, State Farm costs young drivers $863 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 62% more for insurance than more mature drivers in Santa Teresa. With an average cost of $5,482 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Mercury Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Santa Teresa

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $205. Geico, Progressive, and Mercury Insurance provided the largest discounts to couples living in Santa Teresa.

Progressive gave the largest car insurance discounts to married couples, averaging $375 saved each year compared to an average Santa Teresa couple's premiums.

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The cheapest car insurance in Santa Teresa for drivers with bad credit

The state of California does not allow companies to use credit score to figure out premiums, so the prices are unchanged regardless of credit score

The best Santa Teresa car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Santa Teresa, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks American Family Insurance as the best provider in Santa Teresa.

Nationwide was the best company for customer service in Santa Teresa according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Santa Teresa, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Santa Teresa. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Santa Teresa

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 29% of Santa Teresa residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Allstate tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Santa Teresa driver can expect to pay about $129 per month.

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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 Santa Teresa, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.
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Auto Insurance Prices in and Around Santa Teresa

What Influences the Cost of Car Insurance in Santa Teresa?

On average, car insurance in Santa Teresa 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 Santa Teresa is 43 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 Santa Teresa are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
  • Santa Teresa 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 Santa Teresa is $81 per month for minimum coverage and $172 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

Neighborhoods with Similar Populations

* Who is the average Santa Teresa driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Santa Teresa with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.