Cheapest Auto Insurance in San Jose, California (2024)
Mile Auto offers the cheapest car insurance for San Jose drivers, with minimum-coverage policies starting at $57 per month.
Excellent
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Written byJacqueline DeMarco
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13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated November 21, 2024
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Table of contents
San Jose drivers pay an average of $270 per month for full-coverage car insurance and $131 per month for liability only, Insurify data shows. By comparison, the California statewide averages are $283 and $140, respectively.
San Jose’s near-average car insurance costs may be at least partially due to its relatively low fatality and crash rates. In 2023, about 1.7% of the city’s 2,804 accidents were fatal, according to city government data.
Here’s what you need to know about how San Jose auto insurance costs compare to other cities and how to find affordable car insurance for your unique situation.
Quick Facts
Mile Auto, Sun Coast, and Mercury offer the cheapest car insurance in San Jose.
Speeding was a factor in 26% of all accidents in San Jose in 2023, city data shows.
Auto insurers in California can’t use your credit history, gender, or ZIP code to determine your premiums.
3 of the cheapest car insurance companies in San Jose
When shopping for cheap car insurance, it’s important that you focus on finding an insurer that will work well for your individual situation and needs.
“You can shop for car insurance via online comparison sites, individual insurer’s websites, and through local insurance agents,” says Mark Friedlander, director of corporate communications at the Insurance Information Institute.
You can also start your search with the best car insurance companies in California that Insurify identified.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Mile Auto | 7.5 | $108 | $60 | Teens and young drivers |
| Clearcover | 6.8 | $137 | $67 | Drivers with a speeding ticket |
| Sun Coast | 2.3 | $229 | $94 | Drivers with a DUI |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for teens and young drivers: Mile Auto
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $57/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $102/mo |
4.2
Best choiceBased on 53 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Teen drivers who don’t spend too much time behind the wheel can greatly benefit from Mile Auto’s car insurance. Mile Auto offers a pay-per-mile solution that’s simple and user-friendly, allowing low-mileage drivers to save 30% to 40% on their current premiums. With Mile Auto, you only pay for the miles you drive.
Pros
Savings for low-mileage drivers
Doesn’t require an in-car telematics device
Cons
No mobile app to file claims
Subpar Trustpilot ratings
Best insurer for drivers with a speeding ticket: Clearcover
| User Reviews | 3.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.8 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $102/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $183/mo |
3.3
A solid optionBased on 48 verified guest reviews and ratings
How drivers feel about Clearcover
Drivers appreciate the helpful customer service, initial low prices, and reasonable coverage but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
How drivers feel about Clearcover
Drivers appreciate the helpful customer service, initial low prices, and reasonable coverage but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
Reviews (35)
Catherine
October 22, 2024
Verified Review
Great Customer Service
My premium increased by $70 due to an auto accident.
Brett
October 12, 2024
Verified Review
Unexpected Rate Increases
Everything was fine until they started to increase my rates, despite having no claims, DUIs, or moving violations. My driving record is clean, I'm almost 63 years old, and yet my rate keeps going up. It seems like there might be some price gouging in the insurance industry. The reason I decided to switch to Clearcover was because they offered me the best rate at that time. However, since then, my rate has only increased. It should be dropping, not going up.
Richard
October 7, 2024
Verified Review
T.B.
Too expensive for me.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.14A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Clearcover offers some of the most affordable car insurance rates for people who have a speeding ticket on their driving record. It also makes it easy to receive a custom quote. Clearcover advertises that customers can file a claim in as little as seven minutes, on average.
Pros
Advertises a quick claims process
Can manage policy from mobile app
Cons
Only sells auto insurance
Limited discounts compared to other insurers
Best insurer for drivers with a DUI: Sun Coast
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | NR |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $89/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $217/mo |
3.8
A solid optionBased on 19 verified guest reviews and ratings
How drivers feel about Sun Coast
Drivers appreciate the payment options and knowledgable adjusters but dislike the expensive premiums and unavailable customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Difficult-to-insure drivers
West Coast drivers
Coverage in Mexico
How drivers feel about Sun Coast
Drivers appreciate the payment options and knowledgable adjusters but dislike the expensive premiums and unavailable customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Difficult-to-insure drivers
West Coast drivers
Coverage in Mexico
Reviews (9)
Marylou
September 9, 2024
Verified Purchase
Surprise!
Sun Coast is by far the best insurance I have found. The rates are awesome.
Patricia
August 14, 2024
Verified Review
Great so far
Excellent
Tiffany
August 12, 2024
Verified Purchase
Unpleasant Experience
The experience was terrible. I was quoted a price but wasn't informed that I needed to submit proof of my degree. I wasn't given any time to submit it before my rate was increased. My payment didn't come out of my direct deposit on time due to their mistake, which resulted in an increased rate. I'm on a fixed income, so this was a terrible experience. Now, I have no insurance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Sun Coast doesn’t write insurance policies. Instead, it works with several small insurers to offer affordable car insurance for drivers with a DUI on their records. Working with a distribution network of 3,500 independent agents in 11 states, Sun Coast provides coverage for customers with various driving records, including clean records, accidents, tickets, suspended licenses, and foreign driver’s licenses.
Sun Coast also provides discounts for good drivers, prior insurance holders, multiple cars, and homeowners.
Pros
Low down payment options
Flexible billing plans
Cons
No mobile app to file claims
Doesn't offer home or life policies for bundling
How to get the cheapest car insurance in San Jose
Finding cheap car insurance is a matter of doing a little extra work in the shopping process to get the best prices for you. To find affordable car insurance premiums in San Jose, consider the following tips:
Practice safe driving habits. Maintain a clean driving record by obeying traffic laws and avoiding accidents and violations.
Choose a higher deductible. Higher collision and comprehensive deductibles usually mean lower premiums, as you’re agreeing to pay more up front when you file a claim. If you opt for a higher deductible to potentially lower your premium, ensure you have enough savings to cover it if needed.
Bundle policies. Inquire about multi-policy discounts for bundling your car insurance with other policies, like homeowners or renters insurance.
Don’t be shy about discounts. Ask about discounts for safety features in your vehicle, such as anti-lock brakes and passive restraint systems.
Request multiple quotes. Use an online comparison tool to shop around and compare quotes from different insurance companies to find the best price that suits your specific needs.
Find Cheap Car Insurance in San Jose
Liability rates start at $57 per month
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Based on 3,806+ reviews
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Cheapest liability-only car insurance in San Jose: Mile Auto
Liability-only car insurance is a basic form of coverage that protects you financially if you cause an accident. It covers the medical expenses and property damage of the other party involved, up to your policy’s limits. Liability-only insurance is typically the California minimum requirement to legally drive a car and comes with the lowest cost.
Keep in mind that liability-only insurance doesn’t provide coverage for your own vehicle repairs or medical expenses in case of an at-fault accident. Many insurance professionals recommend full coverage to get the greatest amount of financial protection if you cause an accident.
Liability-only policies in San Jose cost an average of $131 per month. Here are the companies with the cheapest liability-only coverage quotes in San Jose.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Mile Auto | $57 |
| Sun Coast | $89 |
| Mercury | $98 |
| Anchor | $102 |
| USAA | $116 |
| National General | $125 |
| Direct Auto | $144 |
| GEICO | $155 |
| Allstate | $160 |
| Farmers | $165 |
| State Farm | $178 |
| Travelers | $187 |
| 21st Century | $204 |
| Bristol West | $218 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in San Jose: Mile Auto
Liability-only car insurance provides coverage for damages and injuries caused to others in an accident. It doesn’t cover your vehicle. Full-coverage car insurance, on the other hand, includes liability coverage and also covers damages to your vehicle through collision and comprehensive coverages.
Drivers who have a new or valuable car, live in areas prone to accidents or theft, or want additional protection for their own vehicle can benefit from buying a full-coverage auto insurance policy.
San Jose drivers pay a monthly average of $270 for full-coverage car insurance. Here are the San Jose insurance companies with the cheapest average full-coverage quotes.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Mile Auto | $102 |
| Mercury | $180 |
| Sun Coast | $217 |
| USAA | $235 |
| Anchor | $273 |
| National General | $312 |
| GEICO | $314 |
| Allstate | $324 |
| Farmers | $334 |
| Direct Auto | $336 |
| State Farm | $361 |
| Travelers | $380 |
| Bristol West | $391 |
| 21st Century | $413 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near San Jose, California
Recent San Jose, California car insurance prices for Ford, Toyota, Nissan , and more.
*Quotes generated for Insurify users in and around San Jose, California within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around San Jose, California within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in California
California requires drivers to carry a minimum amount of car insurance, described as 15/30/5, which breaks down into the following coverages:[1]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident |
| Property damage liability | $5,000 per accident |
Important Information
On Jan. 1, 2025, California’s minimum car insurance requirements will increase to 30/60/15. This means San Jose drivers will need to purchase coverages of $30,000 per person for bodily injury liability, $60,000 per accident for bodily injury liability, and $15,000 per accident for property damage liability.[2]
While California’s current minimum insurance requirements are lower than in other states, it may not be enough coverage to protect you.
“We recommend purchasing coverage above the state-required minimums and getting a full-coverage policy, which includes collision and comprehensive coverage,” says Friedlander.
“In the end, make sure you have adequate coverage that will provide substantial financial protection from an at-fault accident and not leave you vulnerable to a devastating monetary loss,” he adds.
For additional protection, you can consider buying these optional coverages:
Collision coverage
Collision insurance covers damage to your vehicle resulting from a collision with another vehicle or object such as a tree or light pole, regardless of who’s at fault. Collision also covers rollover accidents and pothole damage.
Comprehensive coverage
Comprehensive insurance provides coverage for losses other than collisions, including theft, vandalism, fire, falling objects, severe weather events, and natural disasters such as wildfires and earthquakes.
Glass coverage
This includes windshield and glass damage, with some policies offering no-deductible coverage for side windows, rear windows, and glass sunroofs.
)
Gap coverage
If you finance or lease your vehicle, gap insurance covers the difference between what’s left on your auto loan and your insurance settlement after a total loss.
California’s low-cost insurance plan
California provides eligible drivers with a state-sponsored low-cost auto insurance plan. If you’re struggling to afford car insurance, you may be eligible for the state program, as long as you meet the following requirements:
Meet income eligibility
Have a car valued at $25,000 or less
Are a good or new driver
Are at least 16 years old
Have a valid California driver’s license
California’s Low Cost Automobile Insurance plan (CLCA) costs $232 to $932 per year, depending on the county, and provides basic liability policies to qualifying drivers. Applicants can also add medical payments and uninsured/underinsured motorist coverages for an extra cost. If you’re interested in the CLCA program, you can learn more about it and apply at MyLowCostAuto.com.
Cheapest car insurance for drivers with an incident
If you’re a driver with an at-fault accident, speeding ticket, driving under the influence conviction, or other moving violation on your record, finding affordable car insurance is crucial. Incidents like these often result in increased insurance prices for three to five years because they indicate a higher likelihood of future claims.[3]
Too many incidents on your record can also cause the state to require an SR-22 insurance filing, which can also increase your premiums.
Shop for Car Insurance in San Jose, CA
Monthly rates start at $68 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: Mile Auto
If you’ve received a speeding ticket, you can anticipate higher monthly auto insurance premiums for several years compared to having a clean driving record. San Jose drivers with speeding tickets pay average monthly rates of $349 for full coverage and $169 for liability-only insurance.
The following table shows rates from top insurers for San Jose drivers with speeding tickets.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Mile Auto | $57 | $71 |
| Sun Coast | $89 | $115 |
| Mercury | $98 | $131 |
| Anchor | $102 | $125 |
| USAA | $116 | $144 |
| National General | $125 | $156 |
| Direct Auto | $144 | $179 |
| GEICO | $155 | $193 |
| Allstate | $160 | $199 |
| Farmers | $165 | $204 |
| State Farm | $178 | $219 |
| Travelers | $187 | $235 |
| 21st Century | $204 | $263 |
| Bristol West | $218 | $273 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Mile Auto
Another driving incident that can increase auto insurance prices is an at-fault accident. This type of incident can lead to expensive claims for car insurance companies, and they raise prices to cover the higher risk you pose as a driver.
In San Jose, an at-fault accident pushes the average car insurance rate to $329 per month for full coverage and $159 for minimum coverage. The following table highlights the cheapest insurers, on average, for drivers who have an at-fault accident on their records in San Jose.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Mile Auto | $57 | $73 |
| Sun Coast | $89 | $108 |
| Mercury | $98 | $131 |
| Anchor | $102 | $136 |
| USAA | $116 | $144 |
| National General | $125 | $155 |
| Direct Auto | $144 | $184 |
| GEICO | $155 | $193 |
| Allstate | $160 | $199 |
| Farmers | $165 | $205 |
| State Farm | $178 | $220 |
| Travelers | $187 | $235 |
| 21st Century | $204 | $261 |
| Bristol West | $218 | $271 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
Learn More: Is Accident Forgiveness Worth It?
Cheapest car insurance for drivers with a DUI: Mile Auto
DUIs carry significant weight as a serious driving offense and have a considerable effect on car insurance premiums. Insurance companies view a DUI history as a substantial financial risk, leading to higher premiums.
San Jose drivers with DUIs on their records pay average monthly rates of $383 for full coverage and $186 for liability-only insurance. The table below outlines the cheapest car insurance companies to help you find affordable coverage after a DUI.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Mile Auto | $57 | $87 |
| Sun Coast | $89 | $126 |
| Mercury | $98 | $138 |
| Anchor | $102 | $156 |
| USAA | $116 | $178 |
| National General | $125 | $192 |
| Direct Auto | $144 | $221 |
| GEICO | $155 | $238 |
| Allstate | $160 | $245 |
| Farmers | $165 | $253 |
| State Farm | $178 | $273 |
| Travelers | $187 | $287 |
| 21st Century | $204 | $313 |
| Bristol West | $218 | $334 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Mile Auto
Age plays a vital role in determining car insurance rates. Prices typically decrease around age 25 as drivers gain experience. Around age 70, premiums may slightly increase due to factors such as potential health issues and higher accident risks.[4] But senior drivers in San Jose pay lower-than-average premiums overall compared to other driver profiles.
The average cost monthly of car insurance for senior drivers in San Jose is $236 for full coverage and $115 for minimum coverage. Here are the cheapest auto insurers for senior drivers in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Mile Auto | $80 | $44 |
| Mercury | $147 | $80 |
| Sun Coast | $190 | $78 |
| USAA | $194 | $96 |
| Anchor | $219 | $82 |
| National General | $246 | $99 |
| GEICO | $258 | $127 |
| Allstate | $268 | $132 |
| Farmers | $269 | $133 |
| Direct Auto | $270 | $116 |
| State Farm | $289 | $143 |
| Travelers | $307 | $151 |
| 21st Century | $319 | $157 |
| Bristol West | $323 | $180 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Mile Auto
Teenagers face significantly higher car insurance rates than older drivers due to their limited driving experience and increased risk factors. As a teen, one way to get affordable car insurance is by staying on a parent’s policy, which often leads to more favorable premiums.
Choosing a safe and reliable vehicle with good safety features and maintaining good grades to qualify for a good student discount can help further lower insurance costs. Teens can also get a discount if they’re away at school.
The average cost of car insurance for teen drivers in San Jose is $429 per month for full coverage and $208 for liability only. Here are the cheapest car insurance companies for teen drivers in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Mile Auto | $192 | $107 |
| Mercury | $309 | $168 |
| Sun Coast | $345 | $142 |
| USAA | $381 | $188 |
| Anchor | $449 | $168 |
| GEICO | $484 | $239 |
| Allstate | $560 | $277 |
| Farmers | $566 | $279 |
| Direct Auto | $596 | $255 |
| National General | $598 | $239 |
| State Farm | $601 | $296 |
| Bristol West | $637 | $355 |
| Travelers | $667 | $328 |
| 21st Century | $678 | $335 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
Keep Reading: Average Car Insurance Rates by Age and Gender
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Is car insurance more expensive in San Jose?
Full-coverage car insurance costs an average of $204 per month in the U.S., compared to $270 in San Jose.
Insurance premiums can vary greatly by city due to factors like weather, crime, and traffic.[5]
More cities in California
Drivers in many California cities pay less on average for car insurance than drivers in San Jose. Drivers in other, more densely populated cities, like Los Angeles, may pay more for car insurance.
Here’s how San Jose’s average car insurance quotes compare to other major California cities.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| San Jose | $270 | $131 |
| Anaheim | $296 | $152 |
| Bakersfield | $262 | $119 |
| Fresno | $258 | $130 |
| Long Beach | $317 | $152 |
| Los Angeles | $401 | $211 |
| Modesto | $285 | $147 |
| Oakland | $351 | $153 |
| Riverside | $269 | $142 |
| Sacramento | $307 | $145 |
| San Diego | $252 | $122 |
| San Francisco | $329 | $149 |
| Stockton | $288 | $131 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
San Jose car insurance FAQs
If you still have questions about finding cheap car insurance in San Jose, you can check out Insurify’s guide on how to lower your car insurance premiums and get answers to commonly asked questions.
How much is car insurance in San Jose?
The overall average cost of car insurance in San Jose is $201 per month, which breaks down to $270 per month for full-coverage insurance and $131 per month for liability only.
What are the best car insurance companies in San Jose?
The best car insurance companies in San Jose are Mile Auto, Clearcover, and Sun Coast. These insurers have high Insurify Quality Scores, strong financial stability ratings, and above-average J.D. Power customer satisfaction ratings in California.
Which company has the cheapest car insurance in San Jose?
Mile Auto offers the cheapest car insurance for San Jose drivers, with liability rates starting at $57 per month, according to Insurify data. San Jose residents can also find affordable coverage with the city’s second- and third-cheapest insurers, Sun Coast and Mercury. Their liability-only rates start as low as $89 and $98 per month, respectively.
What is the cheapest car insurance in San Jose for drivers younger than 25?
The cheapest car insurance in San Jose for young drivers is Mile Auto. It offers pay-per-mile auto insurance, so it only charges drivers based on how many miles they drive, plus a base rate. It’s a solid option for people who drive short distances, like to school or a nearby job.
Can insurers in California use your credit score when setting premiums?
No. Through certain regulations in California, insurers can’t use your credit score when determining your premiums. California is one of the few states that prohibit this practice in auto insurance.[6]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in California
Sources
- California Department of Motor Vehicles. "Insurance Requirements."
- California Legislative Information. "SB-1107 Vehicles: insurance."
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
- Insurance Information Institute. "Senior driving safety and insurance tips."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Federal Trade Commission. "Credit-Based Insurance Scores."
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Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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