Click here for our full-length guide to California car insurance quotes, discounts, and state requirements.

Car travel is the main mode of transportation for millions of drivers in Greater San Francisco. Finding the right car insurance policy for you and your lifestyle is a vital step towards safe driving in Southern California. 

Fifty-five miles Southeast of San Francisco, San Jose, California sits along the Silicon Valley hills. Situated in the heart of the Bay Area, San Jose’s proximity to other large cities in NorCal makes it the perfect middle point for many visitors and residents. The main mode of transportation for over one million San Jose residents, car travel is a big part of life. Finding the right car insurance policy for you and your lifestyle is an important step towards safe driving in San Jose. Compare and save on the best and cheapest car insurance quotes in California here.

Find cheap car insurance quotes for San Jose today.

For more city-specific car insurance details, check out our overviews of Sacramento, Los AngelesRiverside and Long Beach.

Buying Car Insurance in California

Cheapest Car Insurance Quotes in San Jose, CA

Here are the cheapest insurance companies in San Jose based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Clean driving records may amount to “good driver discounts,” resulting in lower overall insurance costs.

Insurance CompanyQuotes
State Farm$64/month
GEICO$71/month
Mercury$118/month
Nationwide$121/month
American Family$124/month

USAA often offers the lowest car insurance rates to California drivers, but it is only available to active-duty members of the military, veterans, and their immediate families.

Best Car Insurance Companies in San Jose, CA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top-rated companies that offer car insurance in San Jose. For the complete list, see Insurify’s best car insurance companies.

Insurance CompanyScoreQuote
American Family88$124/month
GEICO87$71/month
Nationwide84$121/month
State Farm83$64/month
Mercury81$118/month

Compare Average Premiums 

Insurance rates vary greatly from town to town. San Jose has lower monthly premiums compared to state and national averages. Keep the savings rolling and compare policies on Insurify today. 

San Jose Average Premium California Average Premium National Average Premium
$100/month $117/month $131/month

San Jose Auto Insurance Requirements 

Before operating on California roadways, California drivers must ensure their motor vehicle holds sufficient liability insurance.

Liability coverage is a safety necessity.

In California, state minimum coverage limits for liability car insurance are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

Driving records, prior car accidents, prior moving violations, speeding tickets, commute length, and other demographic factors may cause fluctuation to your San Jose auto insurance rates.

Read more about California car insurance requirements. 

Comprehensive and collision coverage are supplemental options offered by insurance providers to protect your vehicle and passengers from “Acts of God,” vandalism, and other uncontrollable circumstances. 

For a free quote, compare auto insurance companies on Insurify

San Jose DMV Information 

San Jose has two major DMV outposts throughout the city. Their operating hours are 9 AM to 5 PM with varying morning and weekend hours. A DMV is never too far out of the way no matter where you are in San Jose, thanks to its proximity to other large cities in the Bay Area.  You may be able to skip your visit altogether and utilize their online portal to get the answers and services you need. 

Public Transit in San Jose

Due to its proximity to massive San Francisco, San Jose benefits from lots of public transportation options. The Valley Transportation Authority (VTA) offers locals and visitors bus, train, and other commuter services in and around the city. Amtrak and Greyhound provide train and long haul bus services at stations in and near San Jose. Ridesharing services like Uber, Lyft, and traditional taxis also operate across the city.

Conclusion: How to get the best and cheapest car insurance in San Jose 

As NorCal drivers know too well, enough of their precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy. Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.

There are nearly millions of registered vehicles in Southern California. and with an estimated 15 percent of California vehicles driving uninsured, with driving comes huge risk. Don’t become just one more uninsured motorist—use Insurify to get the best coverage and rates for your car at a price that works for you.

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Updated February 12, 2020

Jackie Cohen received her B.A. in Global Media and Public Relations from the University of Massachusetts, Amherst. Currently based in Boston, MA, she works as a content writer for Insurify. An avid globe-trotter and foodie, Jackie spends her spare time adventuring far and near.