Cheap Auto Insurance Quotes in San Jose, CA (2023)

Mile Auto, Travelers, and Farmers offer the cheapest rates for full-coverage car insurance in San Jose.

Sarah Sharkey
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Sarah Sharkey
Sarah Sharkey
Written by
Sarah Sharkey
Insurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Ashley Cox
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Ashley Cox
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Ashley Cox
Managing Editor
Ashley is an experienced personal finance editor who has edited a variety of digital content over the years, including credit cards, insurance, mortgages, personal loans, student loans, and more. She is passionate about helping people learn more about personal finance so that they can empower themselves and achieve their financial goals.Ashley began her career as a journalist, working as a reporter and editor for print and broadcast news outlets. She also has a background in corporate retail communications, where she focused on web content and marketing communications development. Before joining Insurify, Ashley worked as a senior editor at Credible and a copy editor at Credit Karma.When she’s not editing, Ashley volunteers with the local Humane Society, takes trapeze classes (where she daydreams about running away and joining the circus), and hikes the beautiful mountains of Western North Carolina.Ashley earned a bachelor’s degree in journalism and mass communication from Samford University.
Amber Benka
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Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated January 18, 2023

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Sarah Sharkey
Written by
Sarah Sharkey
Sarah Sharkey
Written by
Sarah Sharkey
Insurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Ashley Cox
Edited by
Ashley Cox
Headshot of Managing Editor Ashley Cox
Edited by
Ashley Cox
Managing Editor
Ashley is an experienced personal finance editor who has edited a variety of digital content over the years, including credit cards, insurance, mortgages, personal loans, student loans, and more. She is passionate about helping people learn more about personal finance so that they can empower themselves and achieve their financial goals.Ashley began her career as a journalist, working as a reporter and editor for print and broadcast news outlets. She also has a background in corporate retail communications, where she focused on web content and marketing communications development. Before joining Insurify, Ashley worked as a senior editor at Credible and a copy editor at Credit Karma.When she’s not editing, Ashley volunteers with the local Humane Society, takes trapeze classes (where she daydreams about running away and joining the circus), and hikes the beautiful mountains of Western North Carolina.Ashley earned a bachelor’s degree in journalism and mass communication from Samford University.
Amber Benka
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Amber Benka
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Reviewed by
Amber Benka
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Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated January 18, 2023

San Jose stands as California’s oldest civilian settlement, founded back in 1777. The city has come a long way from its humble beginnings to become one of the largest cities in the state.[1] With just under 1 million residents calling San Jose home,[2] many are drivers on the lookout for cheap car insurance options.

San Jose drivers pay an average of $125 per month for minimum-coverage car insurance, which is 42% less per month than the California average of $217. We explore cheap auto insurance options for drivers in San Jose below.

How much does car insurance cost in San Jose?

Where you live has a big impact on your car insurance premiums. But other factors can also determine how much you’ll pay for car insurance, like your driving history, age, vehicle features, and policy type.

Although multiple factors come into play, understanding the average car insurance costs for drivers in your city is helpful. At the very least, looking at the averages can help you avoid overpaying. Insurify data scientists conducted an analysis to better understand average car insurance costs for San Jose drivers.

Here’s an overview of some of the cheapest car insurance options in San Jose:

  • Cheapest liability-only insurance: Mile Auto, a pay-per-mile insurance company, offers drivers the cheapest liability-only policies, at $69 per month on average.

  • Cheapest full-coverage policy: Mile Auto offers drivers an average monthly premium of $129 for a full-coverage policy.

  • Cheapest insurance for young drivers: Mile Auto offers young drivers the cheapest insurance in San Jose, with an average premium of $154 per month.

See More: Cheap Auto Insurance in California 

Cheapest car insurance in San Jose: Mile Auto

Locking in the cheapest car insurance policy in San Jose could mean big savings for your budget. On average, you might find the best rates through Mile Auto, which offers liability-only coverage at $69 per month and full-coverage policies at $129 per month. Keep in mind, though, that Mile Auto might have strict requirements for the maximum number of miles you can drive each year and still qualify for a low rate.

Every insurance company has a slightly different way of determining premiums. As a driver, getting quotes from multiple insurance companies can help you avoid overpaying.

Here’s a look at the average monthly costs for San Jose drivers, broken down by insurance company.

Insurance CompanyLiability OnlyFull Coverage
Mile Auto$69$129
Anchor$80$182
Travelers$83$171
Farmers/21st Century$85$175
Clearcover$93$191
USAA$107$227
Safeco$108$221
Mercury$109$204
National General$116$207
Kemper$135$314
GEICO$143$302
Bristol West$145$361
Allstate$148$313
Infinity$149$409
Farmers$152$322
State Farm$165$349
Dairyland$183$481
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Average cost of auto insurance in San Jose

Average car insurance costs in San Jose vary dramatically based on the company. The average monthly rates range from $99 with Mile Auto to $332 with Dairyland. Although Mile Auto and Travelers tend to offer the lowest rates, you can confirm the lowest rates for your situation by shopping around.

Below is a breakdown of average monthly costs for San Jose drivers by insurance company.

Insurance CompanyAverage Monthly Cost
Mile Auto$99
Travelers$127
Farmers/21st Century$130
Anchor$131
Clearcover$142
Mercury$156
National General$162
Safeco$164
USAA$167
GEICO$223
Kemper$225
Allstate$231
Farmers$237
Bristol West$253
State Farm$257
Infinity$279
Dairyland$332
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average car insurance premiums in San Jose by marital status

Marriage affects your financial situation, including your car insurance premiums. Generally, married policyholders find lower car insurance costs because insurers view them as less likely to file a claim.

In San Jose, married drivers pay an average of $215 per month for car insurance. In contrast, unmarried drivers pay an average of $226 per month.

How much car insurance do you need in San Jose?

When driving on California roads, you must carry a minimum amount of car insurance. It’s possible to get around this requirement by proving your financial responsibility through a cash deposit or bond to the DMV to the tune of $35,000.

The high cost of getting around insurance requirements means that most Golden State drivers choose to carry insurance. Drivers need at least 15/30/5 insurance, which breaks down to the following:[3]

Although this insurance will get you on the road, it represents a bare-bones policy and doesn’t include help with fixing your own vehicle after an at-fault car accident. Drivers who want more protection can opt for collision and comprehensive coverage.

After you purchase your car insurance policy, you’ll need to have proof of insurance available whenever you drive. You might be required to present this proof when in an accident, renewing your vehicle registration, or requested by law enforcement.

California DMV information

The California Department of Motor Vehicles (DMV) has physical offices, but California drivers can handle many required tasks online. For example, you can pay reinstatement fees or request a replacement driver’s license through the website.[4]

Tips for getting cheap car insurance in San Jose

Cheap car insurance can be a big win for any budget.

One way to “save on car insurance premiums is to raise your deductible,” says Kayla Johnson, financial planner at Corbett Road Wealth Management. “If you’ve got a sufficient emergency fund – three to six months’ worth of essential expenses in cash – then you can afford to raise your deductible.”

Other ways to get cheap car insurance include pursuing discounts, bundling with your homeowners insurance or renters insurance policy, and driving safely. But the only way to know whether you’re getting the best rate is to shop around and compare quotes from several different insurers.

Learn More: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in San Jose

With age comes driving experience, which often translates to lower rates for mature drivers. In San Jose, teen drivers pay a monthly average of $768 for car insurance. In contrast, drivers in their 60s pay an average of $170 per month for car insurance.

Age GroupAverage Monthly Rate
Teenagers$768
Under 25$355
25–29$321
30s$240
40s$215
50s$192
60s$170
70s$123
80+$202
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for young drivers in San Jose

On average, young drivers in San Jose find the most affordable car insurance through Mile Auto, at $154 per month for full-coverage policies. Shopping around across multiple insurance companies might help you turn up the cheapest rates.

Insurance CompanyAverage Monthly Quote
Mile Auto$154
Travelers$196
SafeAuto$210
Anchor$213
Safeco$218
Farmers/21st Century$226
Sun Coast$243
Clearcover$253
Mercury$260
National General$261
Progressive$278
Pronto$324
Workmen’s$326
MAPFRE$379
Kemper$420
Bristol West$468
Infinity$635
Dairyland$640
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

See More: Compare Car Insurance by Age and Gender

Cheapest car insurance for middle-aged drivers in San Jose

Middle-aged drivers in San Jose find the lowest average monthly rates for a full-coverage policy through Progressive, at $110 per month. At $111 per month, Mile Auto is a close second. Maintaining a violation-free driving record throughout your decades on the road may lead to the most affordable rates.

Insurance CompanyAverage Monthly Quote
Progressive$110
Mile Auto$111
Pronto$127
Sun Coast$144
Clearcover$151
Anchor$162
Farmers/21st Century$163
Travelers$163
SafeAuto$168
National General$175
Mercury$180
Workmen’s$223
Safeco$229
MAPFRE$243
Kemper$254
Infinity$279
Bristol West$293
Stillwater$336
Dairyland$377
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for senior drivers in San Jose

Sun Coast offers senior drivers average monthly rates of $79, which is the most affordable option. As you age behind the wheel, brushing up on your skills through a defensive driving course could lead to a discount.

Insurance CompanyAverage Monthly Quote
Sun Coast$79
Travelers$103
Clearcover$119
Farmers/21st Century$119
Mercury$120
Mile Auto$120
Workmen’s$128
Anchor$131
Infinity$172
Safeco$173
National General$178
Kemper$186
Bristol West$231
Dairyland$247
MAPFRE$250
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How credit scores affect cheap car insurance in San Jose

Many insurance companies consider your credit information when determining premiums. However, the state of California prohibits insurers from using your credit score when determining your insurance rates.[5]

FICO scores run on a scale between 300 and 850. While a good credit score falls between 670 and 739, a poor credit score is below 579. Generally, drivers with excellent credit scores pay less for car insurance than drivers with poor credit scores.

Here’s a look at average full-coverage monthly costs for San Jose drivers by credit score:

Credit TierAverage Monthly Quote
Excellent$237
Good$278
Fair$306
Poor$474
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Related Read: Car Insurance Rates by Credit Tier

The effect of driving habits on car insurance in San Jose

Driving habits are another factor that insurance companies consider when setting premiums. Drivers with a record clean of speeding tickets, DUIs, and at-fault accidents typically pay less for car insurance than those with past infractions.

In the tables below, you’ll see a breakdown of how different driving violations could affect your car insurance costs.

Cheapest car insurance with an accident in San Jose: Mile Auto

After an at-fault accident, your insurance premiums will likely rise. But some insurance companies still put affordable rates within reach. For example, you can find average monthly premiums of $184 through Mile Auto.

Car Insurance CompanyClean RecordWith AccidentDifference
Mile Auto$129$184$55
Travelers$171$245$74
Farmers/21st Century$175$250$75
Anchor$182$261$79
Clearcover$191$273$82
Mercury$204$292$88
National General$207$297$90
Safeco$221$317$96
USAA$227$326$99
GEICO$302$434$132
Allstate$313$449$136
Kemper$314$450$136
Farmers$322$462$140
State Farm$349$500$151
Bristol West$361$517$156
Infinity$409$587$178
Dairyland$481$689$208
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance with a DUI in San Jose: Mile Auto

A DUI is one of the most serious driving offenses, which often equates to higher car insurance costs. You should expect to pay more for car insurance after a DUI, and some insurance companies might not cover you at all. But affordable rates aren’t out of reach. For example, drivers pay an average of $256 per month through Mile Auto.

Car Insurance CompanyClean RecordWith DUIDifference
Mile Auto$129$256$127
Travelers$171$340$169
Farmers/21st Century$175$347$172
Anchor$182$362$180
Clearcover$191$379$188
Mercury$204$405$201
National General$207$412$205
Safeco$221$440$219
USAA$227$452$225
GEICO$302$602$300
Allstate$313$623$310
Kemper$314$625$311
Farmers$322$641$319
State Farm$349$694$345
Bristol West$361$717$356
Infinity$409$814$405
Dairyland$481$956$475
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance with a speeding ticket in San Jose: Mile Auto

It’s easy to get a speeding ticket. This infraction typically leads to higher car insurance costs, but shopping around can pay off. On average, drivers pay $129 per month through Mile Auto.

Car Insurance CompanyClean RecordWith Speeding TicketDifference
Mile Auto$129$173$44
Travelers$171$230$59
Farmers/21st Century$175$234$59
Anchor$182$244$62
Clearcover$191$256$65
Mercury$204$273$69
National General$207$278$71
Safeco$221$297$76
USAA$227$305$78
GEICO$302$406$104
Allstate$313$421$108
Kemper$314$422$108
Farmers$322$432$110
State Farm$349$468$119
Bristol West$361$484$123
Infinity$409$549$140
Dairyland$481$645$164
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance in other California cities

Car insurance rates can vary widely from city to city — even within the same state. Here’s a look at car insurance quotes in some other California cities:

How to save on car insurance in San Jose

Car insurance companies don’t offer a fixed premium rate for all drivers. Instead, different drivers find different rates.

Here are some ways you can save money on car insurance as a driver in San Jose:

  • Look for discounts. Many insurance companies offer discounts for good driving, multiple cars, insurance bundles, and more.

  • Shop around. You can compare quotes across multiple insurance companies in a matter of minutes. Shopping around is the best way to avoid overpaying for this necessity.

  • Increase your deductible. Higher deductibles translate to lower insurance premiums. Just be sure your deductible is an amount you’re comfortable paying out of pocket if you ever need to file a claim.

San Jose driving conditions

San Jose drivers enjoy an average of 257 sunny days per year.[6] With fewer rainy days than average, drivers in this city might more easily avoid the treacherous conditions of a snowy or slick road.

Auto theft statistics in San Jose

In 2022, the San Jose Police Department reported 5,896 stolen vehicles. This is an increase of nearly 1% from 2021.[7]

Find local San Jose agents

  • SBC Insurance Services, Inc.

    200 N. Almaden Blvd 3rd Fl,
    San Jose, CA 95110
  • Brian Ruiz Insurance

    4010 Moorpark Avenue,
    Suite 209, San Jose, CA 95117
  • Jack Healey Insurance Agency, Inc

    1602 The Alameda,
    #203, San Jose, CA 95126
  • Wallis & Wallis Insurance Agency

    1249 Park Avenue,
    San Jose, CA 95126
  • Asero Insurance Services, Inc.

    200 N. Almaden Blvd.,
    3rd Floor, San Jose, CA 95110
  • McSherry & Hudson - San Jose

    35 Penny Lane,
    Suite #6, San Jose, CA 95113
  • Sanfilippo & Sons Insurance Services, LLC

    888 North First Street,
    Suite D, San Jose, CA 95112
  • The Liberty Company Insurance Brokers

    1122 Meridian Avenue,
    San Jose, CA 95125
  • The J. Morey Company, Inc Insurance Agents and Brokers

    184 Jackson Street,
    San Jose, CA 95112
  • Care Insurance Agency, Inc.

    900 N. First Street,
    Suite E, San Jose, CA 95112-4918
View more

San Jose car insurance FAQs

Here are answers to some commonly asked questions about car insurance in San Jose.

  • On average, the cost for a minimum-coverage policy is $125 per month, or $1,500 per year. The average cost of a full-coverage policy is higher, at $278 per month, or $3,336 per year.

  • San Jose drivers need at least $15,000 per person and $30,000 per accident in bodily injury liability coverage and $5,000 in property damage liability insurance. But depending on your financial situation, you might choose to pay for a full-coverage policy to better protect your wallet if you’re in an accident.

  • If you drive without insurance in San Jose, the DMV may suspend your vehicle’s registration. A suspension means you can’t operate the vehicle or even park it on public roadways.

  • On average, Mile Auto, Travelers, and Farmers offer some of the cheapest rates to drivers in San Jose. Average rates start at $69 for a minimum-coverage policy.

  • Based on Insurify data, USAA is the best car insurance company in San Jose. You’ll find reasonable rates from this well-known company.

Compare Car Insurance Quotes Instantly

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. Visit San Jose. "San Jose at a Glance." Accessed January 12, 2023
  2. U.S. Census Bureau. "Quick Facts San Jose, California." Accessed January 12, 2023
  3. California Department of Motor Vehicles. "Insurance Requirements." Accessed January 12, 2023
  4. California Department of Motor Vehicles. "Online Services." Accessed January 12, 2023
  5. National Association of Insurance Commissioners. "Credit-Based Insurance Scores." Accessed January 12, 2023
  6. Best Places. "Climate in San Jose, California." Accessed January 12, 2023
  7. San Jose Police Department. "Crime Statistics - Monthly." Accessed January 12, 2023
Sarah Sharkey
Written by
Sarah Sharkey
Linkedin

Insurance Writer

Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.

Learn More
Ashley Cox
Edited by
Ashley Cox
Linkedin

Managing Editor

Headshot of Managing Editor Ashley Cox
Edited by
Ashley Cox
Managing Editor
Ashley is an experienced personal finance editor who has edited a variety of digital content over the years, including credit cards, insurance, mortgages, personal loans, student loans, and more. She is passionate about helping people learn more about personal finance so that they can empower themselves and achieve their financial goals.Ashley began her career as a journalist, working as a reporter and editor for print and broadcast news outlets. She also has a background in corporate retail communications, where she focused on web content and marketing communications development. Before joining Insurify, Ashley worked as a senior editor at Credible and a copy editor at Credit Karma.When she’s not editing, Ashley volunteers with the local Humane Society, takes trapeze classes (where she daydreams about running away and joining the circus), and hikes the beautiful mountains of Western North Carolina.Ashley earned a bachelor’s degree in journalism and mass communication from Samford University.
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.