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Cheap Auto Insurance Quotes in San Jose, CA (January 2022)
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Last Updated: January 2022
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.
Why you can trust InsurifyInsurify partners with the best car insurance companies in the U.S. to provide a tailored car insurance comparison experience. To date, we’ve delivered over 35 million quotes from both national and regional companies to over 4 million customers. Check out reviews from over 3000 satisfied customers.
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.
$64
$71
$118
$121
$124
State FarmGEICOMercuryNationwideAmerican Family
See More: Cheap Car Insurance California
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Cheapest Car Insurance in San Jose, CA
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in San Jose | |
|---|---|
 State Farm | $64/mo |
GEICO | $71/mo |
 Mercury | $118/mo |
 Nationwide | $121/mo |
 American Family | $124/mo |
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 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.
| Best Companies | ||
|---|---|---|
 Clearcover | $129/mo | |
Mercury | $195/mo | |
 Travelers | $154/mo | |
 21st Century | $170/mo | |
 National General | $203/mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Los Angeles | $149/mo |
| San Diego | $100/mo |
| San Francisco | $132/mo |
| Fresno | $102/mo |
| San Jose | $100/mo |
| California | $117/mo |
$117
$149
$100
$132
$102
$100
CaliforniaLos AngelesSan DiegoSan FranciscoFresnoSan Jose
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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
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 Age | |
|---|---|
| teens | $409 |
| 20s | $298 |
| 30s | $209 |
| 40s | $255 |
| 50s | $274 |
| 60s | $204 |
| 70s | $155 |
| 80s | $136 |
| Driving History | |
|---|---|
| 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.'
See More: High-risk Car Insurance California
See More: DUI Car Insurance California
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 Tie | |
|---|---|
| Excellent | $255 |
| Good | $165 |
| Average | $175 |
| Poor | $183 |
See More: Bad Credit Car Insurance California
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.
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
Insurify Insights: How San Jose Drivers Measure Up
San Jose, CA
Suspended Licenses Rank
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how San Jose drivers measure up to their fellow California motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
Accidents in San Jose
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. San Jose drivers rank 74 in the number of car accidents per driver across all cities in California.
- Rank within state: #74
- Percent of drivers in San Jose with an accident: 11.97%
- Drivers in San Jose, CA with an accident in their driving history paid on average 28.5% more than drivers with a clean record
Speeding in San Jose
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in California, San Jose drivers rank 116 in the number of speeding infractions per driver.
- Rank within state: #116
- Percent of drivers in San Jose with a speeding ticket: 6.99%
- Drivers in San Jose, CA with a speeding ticket in their driving history paid on average 38% more than drivers with a clean record
DUI/DWIs in San Jose
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. San Jose drivers rank 113 in the number of DUI’s per driver across all cities in California.
- Rank within state: #113
- Percent of drivers in San Jose with a DUI: 2.39%
- Drivers in San Jose, CA with a DUI in their driving history paid on average 23.5% more than drivers with a clean record
Most Popular Vehicle in San Jose
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in San Jose is the Honda Accord.
Rude Drivers in San Jose
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in California, San Jose drivers rank 49 in rude driving infractions.
- Rank within state: #49
- Percent of drivers in San Jose with a reckless driving violation: 2.39%
- Drivers in San Jose, CA with a reckless driving violation in their driving history paid on average 16% more than drivers with a clean record.
Safest Drivers in San Jose
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; San Jose drivers rank 45 in clean driving records across all cities in California.
- Rank within state: #45
- Percent of drivers in San Jose with clean record: 80.67%
Failure to Yield the Right of Way in San Jose
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. San Jose drivers rank 36 in failure to yield violations per driver across all cities in California.
- Rank within state: #36
- Percent of drivers in San Jose with a failure to yield violation: 0.29%
- Drivers in San Jose, CA with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record
Reckless Drivers in San Jose
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in California, San Jose drivers rank 26 in the number of reckless driving offenses per driver.
- Rank within state: #26
- Percent of drivers in San Jose with a reckless driving offense: 0.14%
Hybrid/Electric Vehicle Ownership in San Jose
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. San Jose drivers rank 35 in hybrid and electric vehicle ownership across all cities in California.
- Rank within state: #35
- Percent of drivers in San Jose with a hybrid/electric vehicle: 5.23%
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.
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.
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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