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

The average San Jose, CA auto insurance rates are $303 per month. The minimum auto insurance in San Jose is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in San Jose, California, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The minimum auto insurance required in San Jose, California is 15/30/5
  • The cheapest auto insurance company in San Jose is USAA
  • The average commute length in San Jose is 30.9 minutes

San Jose, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in San Jose can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in San Jose, California, including driving record, credit, commute time, and more.

Compare auto insurance in San Jose to other California cities, including San Diego auto insurance rates, Bakersfield auto insurance rates, and Sacramento auto insurance rates to see how San Jose, California auto insurance rates stack up.

Before you buy San Jose, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free San Jose, California auto insurance quotes.

Minimum Auto Insurance in San Jose, California

San Jose, California auto insurance laws require that you have at least the California minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in San Jose, California.

Minimum Required Auto 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

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Cheap San Jose, California Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in San Jose, California are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap San Jose, California Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in San Jose, California is a challenge. Take a look at the annual teen auto insurance rates in San Jose, California.

Annual Auto 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

Cheap San Jose, California Auto Insurance for Seniors

What are senior auto insurance rates in San Jose, California? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap San Jose, California Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in San Jose, California compared to the annual auto insurance rates with a clean record in San Jose, California.

Annual San Jose, California Auto 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

Cheap San Jose, California Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in San Jose, California is not easy. Compare the annual rates for DUI auto insurance in San Jose, California to find the best deal.

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

Insurance Company Annual Auto 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

Cheap San Jose, California Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in San Jose, California can vary. Compare the annual cost of auto insurance by ZIP code in San Jose, California to see how car insurance rates are affected by location.

Annual Auto 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

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Cheap San Jose, California Auto Insurance Rates By Commute

Commute length and annual mileage affect San Jose, California auto insurance. Find the cheapest annual San Jose, California auto insurance by commute length.

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap San Jose, California Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in San Jose, California? Check out the comparison of annual San Jose, California auto insurance rates by coverage level.

Annual Auto 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

Best By Category: Cheapest Auto Insurance in San Jose, California

Compare the cheapest auto insurance companies in San Jose, California in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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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The Cheapest San Jose, California Auto Insurance Companies

What auto insurance companies in San Jose, California are the cheapest? Compare the top San Jose, California auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in San Jose, California?

There are a lot of reasons why auto insurance rates in San Jose, California are higher or lower than in other cities. These include traffic and the number of vehicle thefts in San Jose, California. Many local factors may affect your San Jose auto insurance rates.

San Jose Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual San Jose, California auto theft statistics, there have been 7,704 auto thefts in the city.

San Jose Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average San Jose, California commute length is 30.9 minutes according to City-Data.

Compare San Jose, California Auto Insurance Quotes

Before you buy San Jose, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free San Jose, California auto insurance quotes.

Free Auto Insurance Comparison

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

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