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San Jose Car Insurance

How much does car insurance cost in San Jose, CA? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in San Jose?

Sun-dappled San Jose is renowned for its rich history, fantastic cultural attractions and beautiful Spanish Cultural Revival architecture. The Northern California city is also a technological incubator that's the heart of Silicon Valley. The area also has lush natural settings like Castle Rock State and Guadalupe River Parks.

Although the city has a Valley Transportation System (VTA), residents may need vehicles to explore the area fully. Are you a San Jose resident that needs insurance coverage for your vehicle? Smart Financial can help you find affordable insurers that fit your needs and budget. In this article, you’ll learn about the auto insurance requirements for San Jose.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in California has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in San Jose typically pay around $122.68 per month compared to the national average of $134.04 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.04
California $131.57
San Jose, California $122.68

San Jose, CA Best Car Insurance Companies

car insurance in San Jose

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Kemper Auto Premier generally has the most affordable car insurance in San Jose coming in around $64.65 per month. Other companies to consider if you live in San Jose is Esurance with an average cost of $124.98 per month and USAA which typically runs around $136.86 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in San Jose.

RankCompanyAverage Monthly RateComparison State Average
1 Kemper Auto Premier $64.65-50.87%
2 Esurance $124.98-5.01%
3 USAA $136.864.02%
4 Allstate $140.496.78%
5 Unitrin $145.3910.50%
6 21st Century $155.9218.50%
7 California Capital $157.6719.83%
8 SAFECO $160.2421.78%
9 CSAA $166.8526.81%
10 Auto Club $168.1127.77%

How Much is Car Insurance in San Jose, CA?

how much is auto insurance in San Jose

Rates can vary from city to city. The residents of Fresno typically pay $114.81 per month while people who live in Los Angeles will pay $174.06 per month on average. See what people pay for car insurance in other cities in California.

California CitiesMonthly Average Rate
Fresno $114.81
Los Angeles $174.06
Sacramento $129.50
San Diego $110.04
San Francisco $155.58
San Jose $122.52

Cheap Car Insurance in San Jose by Zip Codes

find cheap auto insurance in San Jose

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of California. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

San Jose, CA ZIP CodeAverage Monthly Rate
95106$92.15
95109$63.36
95110$129.74
95111$137.07
95112$127.92
95113$115.66
95116$126.96
95117$127.59
95118$113.64
95119$159.72
95120$119.58
95121$116.53
95122$125.88
95123$131.46
95124$101.32
95125$106.58
95126$129.31
95127$114.55
95128$111.31
95129$114.32
95130$105.66
95131$113.20
95132$100.10
95133$122.05
95134$127.99
95135$105.59
95136$129.22
95138$100.52
95139$118.96
95148$137.97
95151$281.15
95156$286.45
95157$123.69
95158$178.21
95170$64.08
95192$95.50

Car Insurance Rates by Driver's Age Group in San Jose

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $253.42 per month in San Jose. Compare that to drivers in their 30’s who typically pay around $107.50 per month drivers in their 40s at $97.50 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$253.42
20s$148.15
30s$107.50
40s$97.50
50s$88.14
60s$91.19
70+$101.96

Cheapest Insurance for Teenage Drivers in San Jose

If you are teen in San Jose you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Unitrin typically charges around $229.48 per month. This is likely the most affordable option in San Jose. You might also want to consider California Capital and USAA who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Unitrin$229.48
California Capital$256.87
USAA$265.20
State Farm$271.63
Mercury$320.18

Cheapest Insurance for 20 Year-olds in San Jose

20 year-olds in San Jose might want to consider Infinity Special who, on average, offers car insurance rates around $55.48 per month. Kemper Auto Premier , Dairyland Auto , Esurance and Unitrin are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Infinity Special$55.48
Kemper Auto Premier$72.48
Dairyland Auto$94.16
Esurance$156.64
Unitrin$164.64

Cheapest Insurance for 30 Year-olds in San Jose

If you are in your 30s in San Jose our research has found that Direct Auto typically has the most affordable coverage coming in around $46.43 per month, followed by Esurance at $110.18 and USAA at $130.52.

CompanyAverage Monthly Rate
Direct Auto$46.43
Esurance$110.18
USAA$130.52
Allstate$137.67
21st Century$143.90

Cheapest Insurance for 40 Year-olds in San Jose

On average, Direct Auto offers car insurance for 40 year-olds in San Jose for around $61.81 per month. If you are looking for affordable coverage, you may also want to consider Esurance or USAA. The full list of top companies is below.

CompanyAverage Monthly Rate
Direct Auto$61.81
Esurance$97.32
USAA$110.55
21st Century$116.10
Allstate$116.41

Cheapest Insurance for 50 Year-olds in San Jose

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In San Jose we found that Kemper Auto Premier generally offers the most affordable coverage at $60.73 per month.

CompanyAverage Monthly Rate
Kemper Auto Premier$60.73
Infinity Special$68.40
Dairyland Auto$72.85
Esurance$93.50
21st Century$109.31

Cheapest Insurance for 60 Year-olds in San Jose

If you live in San Jose and you’re in your 60s, our data indicates that Esurance usually has the best rates at $93.56 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Esurance$93.56
21st Century$99.10
Allstate$99.88
USAA$106.37
Auto Club$106.38

Driver's Coverage Auto Insurance Rates in San Jose, CA

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In San Jose, the average monthly rate for a driver who is currently insured is $122.55 while drivers who are not currently covered will pay around $122.49.

CoverageAverage Monthly Rate
Not Currently Insured $122.49
Currently Insured $122.55

Compare Recent Car Insurance Quotes in San Jose

auto insurance quotes in San Jose city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In San Jose a driver of a 2017 Volkswagen Tiguan can expect to pay around $105.25 per month while someone that owns a 2004 Mitsubishi Lancer may pay around $35.79 per month. Check out the list of recent quotes in San Jose below.

VehicleAverage Monthly Rate
2017 Volkswagen Tiguan$105.25
2004 Mitsubishi Lancer$35.79
2004 Mitsubishi Lancer$23.19
2004 Mitsubishi Lancer$21.99
1997 Jeep Wrangler / Tj$64.05
2006 Jeep Commander$95.80
2020 Hyundai Kona$154.61
2005 Ford Mustang$33.65
2018 Honda Civic$51.32
2017 Infiniti Q50$208.25

FAQ's for Drivers in San Jose, CA

driver’s frequently asked question in San Jose

San Jose Auto Insurance Requirements

The California Department of Motor Vehicles requires insurance (or financial responsibility) on all vehicles parked or operated on the state’s roads. Drivers must carry evidence of their coverage at all times. Individuals must provide insurance documentation when requested by law enforcement or during traffic collisions. They must also provide proof of coverage when renewing the vehicle’s registration.

According to the DMV, acceptable forms of insurance include motor vehicle liability insurance policies, cash deposits of $35,000 with DMV, DMV-issued self-insurance certificates, and surety bonds for $35,000 from licensed businesses in California.

What Is the Minimum Amount of Liability Coverage Requirement in San Jose?

The minimum liability insurance requirements for private passenger vehicles (according to California Insurance Code §11580.1b) are:

Bodily injury liability coverage: $15,000 for injury/death to one personal injury and $30,000 per accident minimum

Property damage liability coverage: $5,000 minimum

Uninsured motorist bodily injury coverage: $15,000 per person/$30,000 per accident minimums

Uninsured motorist property damage coverage: $3,500 minimum

The state’s minimum requirements may not provide enough coverage if you’re at-fault in a serious car wreck. Consider buying more insurance, especially if you have significant assets. If you're at-fault, the other driver could sue you. You could lose your savings or your home. SmartFinancial can help you find affordable car insurance to ensure you have enough protection in case the worst happens. Fill out the form on this page to get started.

What Is the Blood Alcohol Concentration (BAC) Limit in San Jose?

In San Jose, it is illegal for a person to operate a vehicle with the following blood alcohol concentration (BAC):

  • BAC of 0.08 percent or higher, if the person is 21 years old or older
  • BAC of 0.01 or higher, if the person is under 21 years old
  • BAC of 0.01 or higher at any age, if the person is on a DUI probation
  • BAC of 0.04 percent or higher, in any vehicle requiring a CDL –- with or without a CDL -- issued to the driver.
  • BAC of 0.04 percent or higher, when a passenger for hire is in the vehicle at the time of an offense.

California also imposes penalties upon people who use drugs (prescription, over-the-counter, or illegal) that impair their ability to drive. The DMV can take administrative action against you. They could suspend your driving privileges after you’re detained or arrested for a DUI. Unfortunately, no one is perfect. If you have a DUI conviction, it can significantly increase your auto insurance rates. SmartFinancial can help you find lower insurance rates. You can fill out the form on our page and comparison shop for insurers that meet your needs.

Can I Register My Car Without Insurance in San Jose?

No, you can’t. San Jose residents must sign up for valid liability coverage for their vehicles when they register. Insurers should have approval from California’s Department of Financial Services and DMV certification. Insurance must be issued under the same name of the vehicle’s registrant and remain in effect at all times.

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Commute Time in San Jose, CA

29.4 Miles
map

Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in San Jose, CA

196

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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