Average car insurance cost in San Jose

The average car insurance rate in San Jose for full coverage is $2,406 per year or $201 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in San Jose is $554 per year. The state minimum liability limits are 15/30/5.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$1,203
Average annual premium$2,406
State minimum premium$554

Cheapest car insurance companies in San Jose

GEICO offers the cheapest rates on average at $1,749 per year. Mercury Insurance is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in San Jose.

CompanyAverage 6 month rateAverage annual rate
GEICO$874$1,749
Mercury Insurance$1,035$2,069
Progressive$1,089$2,179
Allstate$1,205$2,411
Travelers$1,206$2,412
Kemper$1,239$2,478
Auto Club Enterprises (AAA)$1,249$2,498
CSAA Insurance (AAA)$1,266$2,532
State Farm$1,351$2,702
Nationwide$1,503$3,005
Farmers$1,503$3,007
USAA$915$1,830

Cheapest car insurance cost in San Jose by age group

Car insurance rates in San Jose vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in San Jose by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: GEICO
  • Cheapest for young adults: GEICO
  • Cheapest for adults: GEICO
  • Cheapest for seniors: GEICO

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. GEICO offers the cheapest car insurance for teens at $4,406 per year.

GEICO offers the most affordable auto insurance for young adults at $2,305 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. GEICO provides the lowest car insurance rates at $1,765 per year for adult drivers in San Jose.

GEICO offers the least expensive car insurance for senior drivers in San Jose, at $1,766 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

CompanyTeensYoung adultsAdultsSeniors
GEICO$4,406$2,305$1,765$1,766
Mercury Insurance$5,226$3,489$2,125$2,110
Progressive$6,563$3,637$2,180$2,418
Allstate$5,316$3,132$2,375$2,210
Travelers$5,224$3,359$2,437$2,432
CSAA Insurance (AAA)$8,393$3,911$2,528$2,584
Auto Club Enterprises (AAA)$6,406$3,887$2,582$2,439
State Farm$4,912$3,500$2,701$2,232
Kemper$7,510$4,323$2,763$3,258
Nationwide$10,436$5,165$3,036$2,891
Farmers$6,520$4,296$3,052$2,939
USAA$4,013$2,483$1,877$1,843

Cheapest car insurance companies in San Jose by driver profile

Car insurance rates in San Jose vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

Below are some of the cheapest car insurance companies in San Jose by driver profile.

Cheapest auto insurance after an at-fault accident: GEICO

In San Jose, GEICO offers the cheapest car insurance for drivers with at-fault accident at $3,561 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in San Jose.

CompanyAverage 6 month premiumAverage annual premium
GEICO$1,781$3,561
Progressive$1,794$3,588
Mercury Insurance$1,816$3,631
CSAA Insurance (AAA)$1,928$3,856
Auto Club Enterprises (AAA)$2,025$4,050
Travelers$2,067$4,134
State Farm$2,271$4,541
Farmers$2,422$4,843
Nationwide$2,842$5,683
Allstate$2,861$5,721
USAA$1,502$3,004

Cheapest auto insurance after a DUI: Mercury Insurance

Mercury Insurance offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $3,678 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in San Jose.

CompanyAverage 6 month premiumAverage annual premium
Mercury Insurance$1,839$3,678
GEICO$2,191$4,382
Travelers$2,542$5,084
Progressive$2,617$5,234
Auto Club Enterprises (AAA)$3,895$7,790
Nationwide$4,296$8,592
CSAA Insurance (AAA)$4,559$9,117
State Farm$4,749$9,498
Allstate$4,775$9,550
Farmers$5,972$11,944
USAA$2,839$5,678

Cheapest for drivers with a speeding ticket: GEICO

GEICO offers the cheapest car insurance at $2,726 in San Jose for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
GEICO$1,363$2,726
Mercury Insurance$1,473$2,945
CSAA Insurance (AAA)$1,608$3,216
Progressive$1,680$3,359
Allstate$1,746$3,492
Auto Club Enterprises (AAA)$1,790$3,580
Travelers$1,799$3,598
State Farm$2,036$4,072
Farmers$2,088$4,176
Nationwide$2,808$5,616
USAA$1,115$2,230

Car insurance discounts for San Jose drivers

The biggest car insurance discount available in San Jose is for the years licensed category at 56.24%, offered by CSAA Insurance (AAA).

Car insurance is essential for drivers in San Jose, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to San Jose drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsFarmers$3,2300.20%$7
Air BagsGEICO$1,7180.06%$1
Air BagsNationwide$2,6010.60%$16
Anti-Theft DeviceAllstate$2,4800.25%$6
Anti-Theft DeviceFarmers$3,2300.05%$2
Anti-Theft DeviceGEICO$1,7180.62%$11
Anti-Theft DeviceMercury Insurance$2,0520.49%$10
Anti-Theft DeviceProgressive$1,7250.12%$2
Anti-Theft DeviceTravelers$2,3701.29%$31
Lower Annual MileageAllstate$2,48013.96%$346
Lower Annual MileageAuto Club Enterprises (AAA)$2,5127.81%$196
Lower Annual MileageCSAA Insurance (AAA)$2,6179.58%$251
Lower Annual MileageFarmers$3,23015.21%$491
Lower Annual MileageGEICO$1,71816.00%$275
Lower Annual MileageKemper Insurance$2,70413.11%$363
Lower Annual MileageMercury Insurance$2,0528.92%$183
Lower Annual MileageNationwide$2,60112.39%$322
Lower Annual MileageProgressive$1,72514.57%$251
Lower Annual MileageState Farm$2,4867.24%$180
Lower Annual MileageTravelers$2,37011.95%$285
Lower Annual MileageWawanesa Insurance$1,5847.42%$118
Loyalty - Years Renewal With CompanyAuto Club Enterprises (AAA)$2,5125.79%$145
Loyalty - Years Renewal With CompanyCSAA Insurance (AAA)$2,6176.91%$181
Loyalty - Years Renewal With CompanyKemper Insurance$2,70413.21%$353
Loyalty - Years Renewal With CompanyState Farm$2,48619.44%$483
Marital StatusAllstate$2,4808.43%$209
Marital StatusAuto Club Enterprises (AAA)$2,5124.71%$118
Marital StatusFarmers$3,2302.12%$68
Marital StatusGEICO$1,71814.05%$242
Marital StatusKemper Insurance$2,83714.56%$413
Marital StatusMercury Insurance$2,05210.92%$224
Marital StatusNationwide$2,6012.51%$65
Marital StatusProgressive$1,72515.44%$266
Marital StatusTravelers$2,3704.33%$103
Marital StatusWawanesa Insurance$1,58415.61%$247
Multi PolicyAllstate$2,4803.38%$84
Multi PolicyAuto Club Enterprises (AAA)$2,5128.64%$217
Multi PolicyCSAA Insurance (AAA)$2,6175.87%$154
Multi PolicyFarmers$3,23010.40%$336
Multi PolicyGEICO$1,71810.37%$178
Multi PolicyMercury Insurance$2,0527.95%$163
Multi PolicyNationwide$2,60115.93%$415
Multi PolicyProgressive$1,72512.08%$209
Multi PolicyState Farm$2,48613.75%$342
Multi PolicyTravelers$2,3706.62%$157
Primary UseAllstate$2,4801.69%$42
Primary UseCSAA Insurance (AAA)$2,61719.33%$505
Primary UseNationwide$2,6018.62%$224
Primary UseState Farm$2,48612.73%$317
Primary UseTravelers$2,3709.34%$223
Primary UseWawanesa Insurance$1,5847.10%$113
Safety DevicesFarmers$3,2304.29%$139
Safety DevicesMercury Insurance$2,0521.30%$27
TelematicsNationwide$2,6014.74%$123
Years InsuredGEICO$1,9109.34%$178
Years LicensedAllstate$6,26942.92%$2,691
Years LicensedAuto Club Enterprises (AAA)$7,62139.33%$2,997
Years LicensedCSAA Insurance (AAA)$11,56056.24%$6,500
Years LicensedFarmers$7,72432.92%$2,543
Years LicensedGEICO$5,00137.60%$1,880
Years LicensedKemper Insurance$11,24347.36%$5,336
Years LicensedMercury Insurance$6,04740.54%$2,452
Years LicensedNationwide$11,81253.34%$6,302
Years LicensedProgressive$5,61542.45%$2,384
Years LicensedState Farm$5,34834.95%$1,870
Years LicensedTravelers$5,35633.98%$1,824
Years LicensedWawanesa Insurance$3,20332.26%$1,033

How to get cheap car insurance in San Jose in 2025

Find affordable car insurance in San Jose by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in San Jose.

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.