Cheapest Auto Insurance in San Jose, California (2024)

Mile Auto offers the cheapest car insurance for San Jose drivers, with minimum-coverage policies starting at $59 per month.

Jacqueline DeMarco
Jacqueline DeMarco
  • 13+ years writing insurance and personal finance content

  • Insurance, lending, and retirement expert

Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Updated June 16, 2024

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Cheapest recent rates near San Jose, California

Recent San Jose, California car insurance prices for Mercedes Benz, Honda, Subaru , and more.

*Quotes generated for Insurify users in and around San Jose, California within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around San Jose, California within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

San Jose drivers pay an average of $270 per month for full-coverage car insurance and $125 per month for liability only, Insurify data shows. By comparison, the California statewide averages are $277 and $135, respectively.

San Joses near-average car insurance costs may be at least partially due to its relatively low fatality and crash rates. In 2023, about 1.7% of the citys 2,804 accidents were fatal, according to city government data.

Here’s what you need to know about how San Jose auto insurance costs compare to other cities and how to find affordable car insurance for your unique situation.

Quick Facts
  • Mile Auto, Sun Coast, and Mercury offer the cheapest car insurance in San Jose.

  • Speeding was a factor in 26% of all accidents in San Jose in 2023, city data shows.

  • Auto insurers in California can’t use your credit history, gender, or ZIP code to determine your premiums.

3 of the cheapest car insurance companies in San Jose

When shopping for cheap car insurance, it’s important that you focus on finding an insurer that will work well for your individual situation and needs.

“You can shop for car insurance via online comparison sites, individual insurer’s websites, and through local insurance agents,” says Mark Friedlander, director of corporate communications at the Insurance Information Institute.

You can also start your search with the best car insurance companies in California that Insurify identified.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Mile Auto3.7$114$61Teens and young drivers
Clearcover3.4$137$67Drivers with a speeding ticket
Sun Coast2.3$224$75Drivers with a DUI
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.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for teens and young drivers: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$59/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$111/mo

Teen drivers who don’t spend too much time behind the wheel can greatly benefit from Mile Auto’s car insurance. Mile Auto offers a pay-per-mile solution thats simple and user-friendly, allowing low-mileage drivers to save 30% to 40% on their current premiums. With Mile Auto, you only pay for the miles you drive.

Pros
  • Savings for low-mileage drivers

  • Doesn’t require an in-car telematics device

Cons
  • No mobile app to file claims

  • Subpar Trustpilot ratings

Best insurer for drivers with a speeding ticket: Clearcover

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$87/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$143/mo

Clearcover offers some of the most affordable car insurance rates for people who have a speeding ticket on their driving record. It also makes it easy to receive a custom quote. Clearcover advertises that customers can file a claim in as little as seven minutes, on average.

Pros
  • Advertises a quick claims process

  • Can manage policy from mobile app

Cons
  • Only sells auto insurance

  • Limited discounts compared to other insurers

Read our Clearcover review
Jimmy - June 5, 2024
Verified

Too Expensive

I had them for years and made no claims. However, upon checking around, I found them to be too expensive. They were charging $200 a month more for the same coverage.

Mario - May 20, 2024
Verified

I love it!

I love this place. Every interaction was so easy.

Joshua - April 14, 2024
Verified

Loyal Customers Get Raised Rates

They start off with good rates, but after being a loyal customer, they raise the rates even though the value of the vehicles goes down.

Best insurer for drivers with a DUI: Sun Coast

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
Not rated
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$73/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$213/mo

Sun Coast doesnt write insurance policies. Instead, it works with several small insurers to offer affordable car insurance for drivers with a DUI on their records. Working with a distribution network of 3,500 independent agents in 11 states, Sun Coast provides coverage for customers with various driving records, including clean records, accidents, tickets, suspended licenses, and foreign driver’s licenses.

Sun Coast also provides discounts for good drivers, prior insurance holders, multiple cars, and homeowners.

Pros
  • Low down payment options

  • Flexible billing plans

Cons
  • No mobile app to file claims

  • Doesn't offer home or life policies for bundling

Read our Sun Coast review
Timothy - September 2, 2022
Verified

I can't ever seem to get anyone to talk to me about upgrading my policy. I'm considering going to another provider.

I can't ever seem to get anyone to talk to me about upgrading my policy. I'm considering going to another provider.

James - August 14, 2022
Verified

Poor

The cost is $62.00 a month.

Tamra - August 8, 2022
Verified

Excellent

Lower prices

How to get the cheapest car insurance in San Jose

Finding cheap car insurance is a matter of doing a little extra work in the shopping process to get the best prices for you. To find affordable car insurance premiums in San Jose, consider the following tips:

  • Practice safe driving habits. Maintain a clean driving record by obeying traffic laws and avoiding accidents and violations.

  • Choose a higher deductible. Higher collision and comprehensive deductibles usually mean lower premiums, as you’re agreeing to pay more up front when you file a claim. If you opt for a higher deductible to potentially lower your premium, ensure you have enough savings to cover it if needed.

  • Bundle policies. Inquire about multi-policy discounts for bundling your car insurance with other policies, like homeowners or renters insurance.

  • Don’t be shy about discounts. Ask about discounts for safety features in your vehicle, such as anti-lock brakes and passive restraint systems.

  • Request multiple quotes. Use an online comparison tool to shop around and compare quotes from different insurance companies to find the best price that suits your specific needs.

Find Cheap Car Insurance in San Jose

Liability rates start at $59 per month

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Cheapest liability-only car insurance in San Jose: Mile Auto

Liability-only car insurance is a basic form of coverage that protects you financially if you cause an accident. It covers the medical expenses and property damage of the other party involved, up to your policy’s limits. Liability-only insurance is typically the California minimum requirement to legally drive a car and comes with the lowest cost.

Keep in mind that liability-only insurance doesn’t provide coverage for your own vehicle repairs or medical expenses in case of an at-fault accident. Many insurance professionals recommend full coverage to get the greatest amount of financial protection if you cause an accident.

Liability-only policies in San Jose cost an average of $125 per month. Here are the companies with the cheapest liability-only coverage quotes in San Jose.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto$59
Sun Coast$73
Mercury$87
Anchor$95
Dairyland$102
USAA$105
National General$126
GEICO$141
Allstate$146
Direct Auto$148
Farmers$150
State Farm$162
Travelers$170
21st Century$185
Bristol West$194
Nationwide$229
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 full-coverage car insurance in San Jose: Mile Auto

Liability-only car insurance provides coverage for damages and injuries caused to others in an accident. It doesn’t cover your vehicle. Full-coverage car insurance, on the other hand, includes liability coverage and also covers damages to your vehicle through collision and comprehensive coverages.

Drivers who have a new or valuable car, live in areas prone to accidents or theft, or want additional protection for their own vehicle can benefit from buying a full-coverage auto insurance policy.

San Jose drivers pay a monthly average of $270 for full-coverage car insurance. Here are the San Jose insurance companies with the cheapest average full-coverage quotes.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto$111
Mercury$164
Anchor$213
Sun Coast$213
USAA$225
Dairyland$294
National General$296
GEICO$300
Allstate$311
Farmers$320
State Farm$347
Direct Auto$349
Travelers$364
21st Century$396
Bristol West$397
Nationwide$488
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 recent rates near San Jose, California

Recent San Jose, California car insurance prices for Honda, Nissan, Toyota , and more.

*Quotes generated for Insurify users in and around San Jose, California within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around San Jose, California within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in California

California requires drivers to carry a minimum amount of car insurance, described as 15/30/5, which breaks down into the following coverages:[1]

CoverageMinimum Requirements
Bodily injury liability$15,000 per person / $30,000 per accident
Property damage liability$5,000 per accident
Important Information

On Jan. 1, 2025, California’s minimum car insurance requirements will increase to 30/60/15. This means San Jose drivers will need to purchase coverages of $30,000 per person for bodily injury liability, $60,000 per accident for bodily injury liability, and $15,000 per accident for property damage liability.[2]

While California’s current minimum insurance requirements are lower than in other states, it may not be enough coverage to protect you.

“We recommend purchasing coverage above the state-required minimums and getting a full-coverage policy, which includes collision and comprehensive coverage,” says Friedlander.

“In the end, make sure you have adequate coverage that will provide substantial financial protection from an at-fault accident and not leave you vulnerable to a devastating monetary loss,” he adds.

For additional protection, you can consider buying these optional coverages:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance covers damage to your vehicle resulting from a collision with another vehicle or object such as a tree or light pole, regardless of who’s at fault. Collision also covers rollover accidents and pothole damage.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance provides coverage for losses other than collisions, including theft, vandalism, fire, falling objects, severe weather events, and natural disasters such as wildfires and earthquakes.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    Glass coverage

    This includes windshield and glass damage, with some policies offering no-deductible coverage for side windows, rear windows, and glass sunroofs.

  • Tilted car accident icon

    Gap coverage

    If you finance or lease your vehicle, gap insurance covers the difference between what’s left on your auto loan and your insurance settlement after a total loss.

California’s low-cost insurance plan

California provides eligible drivers with a state-sponsored low-cost auto insurance plan. If you’re struggling to afford car insurance, you may be eligible for the state program, as long as you meet the following requirements:

  • Meet income eligibility

  • Have a car valued at $25,000 or less

  • Are a good or new driver

  • Are at least 16 years old

  • Have a valid California driver’s license

California’s Low Cost Automobile Insurance plan (CLCA) costs $232 to $932 per year, depending on the county, and provides basic liability policies to qualifying drivers. Applicants can also add medical payments and uninsured/underinsured motorist coverages for an extra cost. If you’re interested in the CLCA program, you can learn more about it and apply at MyLowCostAuto.com.

Cheapest car insurance for drivers with an incident

If you’re a driver with an at-fault accident, speeding ticket, driving under the influence conviction, or other moving violation on your record, finding affordable car insurance is crucial. Incidents like these often result in increased insurance prices for three to five years because they indicate a higher likelihood of future claims.[3]

Too many incidents on your record can also cause the state to require an SR-22 insurance filing, which can also increase your premiums.

Shop for Car Insurance in San Jose, CA

Monthly rates start at $78 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Mile Auto

If you’ve received a speeding ticket, you can anticipate higher monthly auto insurance premiums for several years compared to having a clean driving record. San Jose drivers with speeding tickets pay average monthly rates of $367 for full coverage and $170 for liability-only insurance.

The following table shows rates from top insurers for San Jose drivers with speeding tickets.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Mile Auto$59$80
Sun Coast$73$99
Mercury$87$118
Anchor$95$120
Dairyland$102$129
USAA$105$132
National General$126$155
GEICO$141$178
Allstate$146$184
Direct Auto$148$188
Farmers$150$188
State Farm$162$203
Travelers$170$216
21st Century$185$240
Bristol West$194$243
Nationwide$229$291
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 drivers with an at-fault accident: Mile Auto

Another driving incident that can increase auto insurance prices is an at-fault accident. This type of incident can lead to expensive claims for car insurance companies, and they raise prices to cover the higher risk you pose as a driver.

In San Jose, an at-fault accident pushes the average car insurance rate to $347 per month for full coverage and $160 for minimum coverage. The following table highlights the cheapest insurers, on average, for drivers who have an at-fault accident on their records in San Jose.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Mile Auto$59$82
Sun Coast$73$94
Mercury$87$117
Anchor$95$132
Dairyland$102$128
USAA$105$132
National General$126$159
GEICO$141$178
Allstate$146$184
Direct Auto$148$191
Farmers$150$188
State Farm$162$203
Travelers$170$216
21st Century$185$239
Bristol West$194$241
Nationwide$229$291
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.
Learn More: Is Accident Forgiveness Worth It?

Learn More: Is Accident Forgiveness Worth It?

Cheapest car insurance for drivers with a DUI: Mile Auto

DUIs carry significant weight as a serious driving offense and have a considerable effect on car insurance premiums. Insurance companies view a DUI history as a substantial financial risk, leading to higher premiums.

San Jose drivers with DUIs on their records pay average monthly rates of $401 for full coverage and $185 for liability-only insurance. The table below outlines the cheapest car insurance companies to help you find affordable coverage after a DUI.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Mile Auto$59$84
Sun Coast$73$108
Mercury$87$124
Anchor$95$151
Dairyland$102$162
USAA$105$166
National General$126$200
GEICO$141$223
Allstate$146$231
Direct Auto$148$235
Farmers$150$238
State Farm$162$257
Travelers$170$269
21st Century$185$293
Bristol West$194$308
Nationwide$229$363
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 seniors: Mile Auto

Age plays a vital role in determining car insurance rates. Prices typically decrease around age 25 as drivers gain experience. Around age 70, premiums may slightly increase due to factors such as potential health issues and higher accident risks.[4] But senior drivers in San Jose pay lower-than-average premiums overall compared to other driver profiles.

The average cost monthly of car insurance for senior drivers in San Jose is $237 for full coverage and $110 for minimum coverage. Here are the cheapest auto insurers for senior drivers in the city.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
Mile Auto$87$46
Mercury$128$68
Anchor$172$77
USAA$185$86
Sun Coast$187$64
Dairyland$243$84
National General$244$104
GEICO$247$116
Farmers$257$121
Allstate$258$121
State Farm$278$130
Direct Auto$279$118
Travelers$295$138
21st Century$307$143
Bristol West$328$160
Nationwide$378$177
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 teens: Mile Auto

Teenagers face significantly higher car insurance rates than older drivers due to their limited driving experience and increased risk factors. As a teen, one way to get affordable car insurance is by staying on a parent’s policy, which often leads to more favorable premiums.

Choosing a safe and reliable vehicle with good safety features and maintaining good grades to qualify for a good student discount can help further lower insurance costs. Teens can also get a discount if theyre away at school.

The average cost of car insurance for teen drivers in San Jose is $408 per month for full coverage and $189 for liability only. Here are the cheapest car insurance companies for teen drivers in the city.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
Mile Auto$199$106
Mercury$275$146
Sun Coast$322$110
USAA$341$159
Anchor$345$154
GEICO$429$202
Dairyland$450$156
Allstate$499$234
National General$515$219
Farmers$517$242
State Farm$538$251
Direct Auto$586$249
Travelers$602$281
21st Century$603$282
Bristol West$619$302
Nationwide$763$358
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.
Keep Reading: Average Car Insurance Rates by Age and Gender

Keep Reading: Average Car Insurance Rates by Age and Gender

Find Cheap Car Insurance in San Jose

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Is car insurance more expensive in San Jose?

Full-coverage car insurance costs an average of $215 per month in the U.S., compared to $270 in San Jose.

Insurance premiums can vary greatly by city due to factors like weather, crime, and traffic.[5]

More cities in California

Drivers in many California cities pay less on average for car insurance than drivers in San Jose. Drivers in other, more densely populated cities, like Los Angeles, may pay more for car insurance.

Here’s how San Jose’s average car insurance quotes compare to other major California cities.

CityFull CoverageLiability Only
San Jose$270$125
Anaheim$293$144
Bakersfield$241$112
Fresno$241$127
Long Beach$263$154
Los Angeles$340$198
Modesto$276$130
Oakland$302$150
Riverside$283$135
Sacramento$292$137
San Diego$233$116
San Francisco$294$148
Stockton$300$138
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.

San Jose car insurance FAQs

If you still have questions about finding cheap car insurance in San Jose, you can check out Insurify’s guide on how to lower your car insurance premiums and get answers to commonly asked questions.

  • How much is car insurance in San Jose?

    The overall average cost of car insurance in San Jose is $197 per month, which breaks down to $270 per month for full-coverage insurance and $125 per month for liability only.

  • What are the best car insurance companies in San Jose?

    The best car insurance companies in San Jose are Mile Auto, Clearcover, and Sun Coast. These insurers have high Insurify Quality Scores, strong financial stability ratings, and above-average J.D. Power customer satisfaction ratings in California.

  • Which company has the cheapest car insurance in San Jose?

    Mile Auto offers the cheapest car insurance for San Jose drivers, with liability rates starting at $59 per month, according to Insurify data. San Jose residents can also find affordable coverage with the citys second- and third-cheapest insurers, Sun Coast and Mercury. Their liability-only rates start as low as $73 and $87 per month, respectively.

  • What is the cheapest car insurance in San Jose for drivers younger than 25?

    The cheapest car insurance in San Jose for young drivers is Mile Auto. It offers pay-per-mile auto insurance, so it only charges drivers based on how many miles they drive, plus a base rate. It’s a solid option for people who drive short distances, like to school or a nearby job.

  • Can insurers in California use your credit score when setting premiums?

    No. Through certain regulations in California, insurers can’t use your credit score when determining your premiums. California is one of the few states that prohibit this practice in auto insurance.[6]

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. California Department of Motor Vehicles. "Insurance Requirements."
  2. California Legislative Information. "SB-1107 Vehicles: insurance."
  3. Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
  4. Insurance Information Institute. "Senior driving safety and insurance tips."
  5. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  6. Federal Trade Commission. "Credit-Based Insurance Scores."
Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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