Compare San Jose, CA Car Insurance Rates (2021)

Car insurance in San Jose, CA averages $303 a month. San Jose, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap San Jose car insurance rates, compare quotes from the top car insurance companies in San Jose, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in San Jose is 95130
  • Average car insurance rates in San Jose, CA after a DUI are $5,105/year
  • Average car insurance rates in San Jose, CA are $3,639/year

If you need to buy San Jose, California car insurance, the options can be confusing. Everything you need to know about car insurance in San Jose, CA is right here.

You’ll find San Jose car insurance rates, the cheapest San Jose, CA car insurance companies, and information on California car insurance laws. You can also compare San Jose, California car insurance rates to Los Angeles car insurance rates, Anaheim car insurance rates, and Bakersfield car insurance rates.

Ready to find affordable San Jose, CA car insurance today? Enter your ZIP code for fast, free San Jose car insurance quotes.

Cheapest San Jose, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect San Jose, CA car insurance rates? Every San Jose, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in San Jose, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,696 $2,694 $1,982 $1,994 $7,598 $9,560 $3,441 $3,765
Farmers $2,755 $2,755 $2,489 $2,489 $8,823 $14,476 $3,269 $3,645
GEICO $1,703 $1,704 $1,602 $1,602 $5,193 $5,282 $2,448 $2,501
Liberty Mutual $2,228 $2,110 $2,079 $2,014 $4,920 $5,229 $2,514 $2,530
Nationwide $3,337 $3,183 $2,914 $2,745 $8,584 $9,448 $4,003 $3,955
Progressive $1,808 $1,862 $1,525 $1,816 $4,819 $5,816 $2,594 $2,790
State Farm $3,250 $3,250 $2,904 $2,904 $5,984 $7,411 $3,600 $3,714
Travelers $2,461 $2,380 $2,179 $2,156 $5,115 $5,852 $3,205 $3,135
USAA $1,897 $1,797 $1,850 $1,858 $4,324 $4,365 $2,637 $2,492

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Minimum Car Insurance in San Jose, CA

Every driver must carry the minimum car insurance in San Jose, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in San Jose, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest San Jose, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in San Jose, CA to rates for a clean record with top companies.

Annual San Jose, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,549 $4,275 $6,700 $3,341
Farmers $3,759 $5,122 $6,382 $5,088
GEICO $1,926 $2,974 $3,729 $2,389
Liberty Mutual $2,564 $3,434 $3,097 $2,716
Nationwide $3,330 $4,266 $7,221 $4,266
Progressive $1,889 $3,203 $3,702 $2,721
State Farm $2,945 $3,512 $6,633 $3,418
Travelers $2,209 $3,594 $4,185 $3,252
USAA $1,763 $2,626 $4,291 $1,931

Cheapest San Jose, CA Car Insurance for Teen Drivers

Teen car insurance in San Jose, CA can be expensive. Take a look at rates from the top car insurance companies in San Jose for teenagers.

Annual Car Insurance Rates for Teen Drivers in San Jose, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,598 $9,560
Farmers $8,823 $14,476
GEICO $5,193 $5,282
Liberty Mutual $4,920 $5,229
Nationwide $8,584 $9,448
Progressive $4,819 $5,816
State Farm $5,984 $7,411
Travelers $5,115 $5,852
USAA $4,324 $4,365

Cheapest San Jose, CA Car Insurance for Seniors

Take a look at San Jose, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in San Jose, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,982 $1,994
Farmers $2,489 $2,489
GEICO $1,602 $1,602
Liberty Mutual $2,079 $2,014
Nationwide $2,914 $2,745
Progressive $1,525 $1,816
State Farm $2,904 $2,904
Travelers $2,179 $2,156
USAA $1,850 $1,858

Cheapest San Jose, CA Car Insurance Rates After a DUI

A DUI in San Jose, CA increases car insurance rates. Compare San Jose, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in San Jose, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,700
Farmers $6,382
GEICO $3,729
Liberty Mutual $3,097
Nationwide $7,221
Progressive $3,702
State Farm $6,633
Travelers $4,185
USAA $4,291

Cheapest San Jose, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in San Jose, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in San Jose, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,807 $4,626
Farmers $4,616 $5,559
GEICO $2,502 $3,007
Liberty Mutual $2,713 $3,193
Nationwide $4,209 $5,333
Progressive $2,609 $3,149
State Farm $3,978 $4,275
Travelers $2,976 $3,644
USAA $2,446 $2,859

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Cheapest San Jose, CA Car Insurance Rates by ZIP Code

San Jose car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in San Jose, CA.

Annual Car Insurance Rates by ZIP Code in San Jose, California

ZIP Code Average Annual Rates
95101 $4,870
95110 $5,108
95111 $5,368
95112 $5,156
95113 $5,357
95116 $5,276
95117 $4,867
95118 $4,801
95119 $4,720
95120 $4,753
95121 $5,360
95122 $5,392
95123 $4,838
95124 $4,646
95125 $4,710
95126 $4,990
95127 $5,157
95128 $4,880
95129 $4,646
95130 $4,620
95131 $4,924
95132 $4,943
95133 $5,041
95134 $4,757
95135 $4,936
95136 $4,900
95138 $5,000
95139 $4,770
95141 $4,819
95148 $5,284
95192 $5,346

The Best Cheap Car Insurance Companies in San Jose, CA

Take a look at a side-by-side comparison of the top car insurance companies in San Jose, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in San Jose, California

Insurance Company Average Annual Rates
Allstate $4,216
Farmers $5,088
GEICO $2,754
Liberty Mutual $2,953
Nationwide $4,771
Progressive $2,879
State Farm $4,127
Travelers $3,310
USAA $2,653

Category Winners: Cheapest Car Insurance in San Jose, California

Find the cheapest car insurance companies in San Jose, CA for each category right here.

Best Annual Car Insurance Rates by Company in San Jose, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Cheapest San Jose, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your San Jose car insurance rates. Find the cheapest San Jose, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in San Jose, California

Insurance Company Low Medium High
Allstate $4,008 $4,251 $4,390
Farmers $4,747 $5,126 $5,390
GEICO $2,523 $2,785 $2,955
Liberty Mutual $2,757 $2,981 $3,121
Nationwide $4,318 $4,857 $5,138
Progressive $2,603 $2,965 $3,069
State Farm $3,746 $4,194 $4,440
Travelers $2,896 $3,403 $3,631
USAA $2,427 $2,700 $2,831

What affects car insurance rates in San Jose, California?

What factors can have an impact on San Jose, CA car insurance? There are several reasons why San Jose car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in San Jose, California.

Car Theft in San Jose

High levels of vehicle theft can make car insurance more expensive. San Jose, CA car theft statistics from the FBI indicate 7,704 vehicle thefts a year.

Commute Time in San Jose

The more time you spend in your car the higher the risk of an accident. The average commute length in San Jose, CA is 30.9 minutes according to City-Data.

Compare Car Insurance Quotes in San Jose, CA

Ready to find affordable San Jose, California car insurance today? Enter your ZIP code for fast, free San Jose, CA car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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