Cheap Auto Insurance Quotes in San Jose, CA (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Find Cheap Car Insurance in San Jose

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.

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. 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. Search and save on the best car insurance policies in San Jose today. 

Car Insurance in San Jose, CA

The average cost of California car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in San Jose, CA to find you the cheapest quotes in the area.

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Cheapest Car Insurance in San Jose, CA

Here are the cheapest carriers in San Jose for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance 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 carrier reviews. The following are the top rated carriers that offer car insurance in San Jose. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Click here to learn about car insurance quotes and save on your current policy.

San Jose, CA Driving Facts

Minimum Car Insurance Requirements in CA

California effected a number of new traffic laws for 2018, including legislation on DUI policies for rideshare service drivers, seat belts on public transport, and smoking or ingesting cannabis in moving vehicles. Most significantly, a change in the California Department of Motor Vehicle's road rehabilitation and maintenance program signals that registration or renewed registration of a motor vehicle will now come with a fee of $25 to $175.

California's minimum liability car insurance limits are as follows:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident
california

San Jose Car Insurance Rates by Driver Age

Hardworking teens might be able to squeak out a car insurance payment at $409, perhaps with a little help from mom and dad. In the Golden State, car insurance prices go down as the years of experience go up. Twentysomethings see an immediate $100 price cut over the youngest drivers. From there, the prices lower, with most spending below the state average of $256 per month. Those in their 80s do the best and pay $136, an amount less than a third of what the teens shell out.

Driver's AgeAvg. Monthly Cost
teens$409
20s$298
30s$209
40s$255
50s$274
60s$204
70s$155
80s$136
Driving HistoryAvg. Monthly Cost
No Violation$251
Speeding Ticket$288
At-Fault Accident$309
Failure to Stop for Red Light / Stop Sign$260

San Jose Car Insurance Rates by Driving and Accident History

'In San Jose, driving safe is driving smart. Defensive driving gives peace of mind and money in the pocket from the insurance companies. The “good driver” and “accident-free” discounts keep the price down, but they’re easily lost after a speeding ticket. An at-fault accident kicks the rate up over $50 per month, or $600 per year. After a ticket or accident, there''s good news because three years of careful driving restores a driver’s record back to clean.'

San Jose Car Insurance Rates by Credit Tier

Californians wondered what credit had to do with driving ability, and the state agreed with the sentiment way back in 1988. It’s one of a few states that prohibits insurance companies from using credit as a factor when setting rates. That means other things like safety are far more critical. Those with better credit may finance costlier cars and need more coverage to protect their assets, explaining why those with excellent credit paid the most at $255.

Credit TieAvg. Monthly Cost
Excellent$255
Good$165
Average$175
Poor$183

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 Transoiration Autority (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 and Lyft, plus 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 Northern 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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how San Jose stacks up for the state of California:

honda
Honda Civic
Most Popular Car in
San Jose, CA
suspended licenses
#114
Cities with Most
Suspended Licenses Rank

FAQs - San Jose, CA Car Insurance

Which car insurance company offers the cheapest rates in San Jose, California?

The best way to get the cheapest car insurance in San Jose and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high-risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Why is California car insurance so expensive?

San Francisco and its surrounding suburbs, including San Jose, boast the highest car insurance premiums in all of California. Due to the high volume of cars on the road, insurers increase their pricing in order to protect all drivers. High risk of natural disasters in the area also increases insurance premiums.

Will my credit score affect my car insurance rates in San Jose?

No. Unlike the majority of the United States, California has outlawed the practice of using credit-based insurance scores to help determine the risk of a policyholder. That means that car insurance companies are not allowed to hold your low credit score against you by increasing your rate. Credit scores are calculated based on information from your credit report and are used by lending institutions to determine how likely it is that you'll repay a loan on time. They also help creditors determine interest rates and loan qualifications. Credit-based insurance scores don't factor in your job, income history, gender, or any other personal information. Car insurance companies may use these variables to help determine the likelihood of an insurance claim in the future.