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Car insurance coverage in San Jose costs an average of $1,819 annually for full coverage. That's $372 more expensive than the national average of $1,447. If you are looking for the cheapest car insurance in San Jose, consider comparing quotes from multiple insurers. Rates can vary by hundreds of dollars, depending on your age, driving record, and the type of car you own.

Read this guide to find out which insurance companies in San Jose provide the best car insurance coverage for you. Also, know about the carriers that have the best ratings for customer satisfaction and what rate each provider offers for your specific situation.

Cheapest car insurance companies in San Jose

GEICO General is the cheapest car insurance company in San Jose with an average cost of $1,116 per year, based on insurance.com's rate analysis. While United Financial Casualty Co is second in terms of the cheapest car insurance companies in San Jose. The table below shows how major insurance carriers rank for price.

CompanyAverage Annual Rates
GEICO General Ins Co$1,116
United Financial Casualty Co$1,171
USAA Casualty Ins Co$1,235
Mercury Ins Co$1,476
Interinsurance Exchange$1,848
Allstate Northbrook Ind Co$1,888
California Capital Ins Co$1,916
CSAA Ins Exchange$1,932
Metropolitan Direct P&C Ins Co$1,942
Nationwide Ins Co of Am$1,956
Travelers Commercial Ins Co$1,998
Hartford Underwriters Ins Co$2,000
State Farm Mutl Automobile Ins$2,157
Alliance United Ins Co$2,277
Farmers Ins Exchange$2,376

Cheapest car insurance cost in San Jose by age group

Among the carriers surveyed by Insurance.com, Geico Gen Ins Co is the cheapest car insurance company for adult drivers. It offers insurance at about $1,259 a year or $105 a month.

Rates typically drop as you gain more experience on the road and adult drivers can save money by shopping around and availing themselves of the discounts for which they are eligible. Geico Gen Ins Co is also the cheapest auto insurance company for seniors with an average cost of $1,108 annually.

Car insurance rates go up for drivers after they enter their senior years, but they can trim their insurance costs by comparing quotes. Apart from shopping around, seniors can take advantage of the driver discounts available to lower their car insurance premiums.

Geico Gen Ins Co offers the cheapest car insurance for young adults in San Jose at about $2,471 a year. While State Farm Mut Auto Ins Co is the cheapest insurance provider for teen drivers for full coverage at an average of $4,111 a year.

The table below shows that young drivers pay higher car insurance rates than adult and senior drivers because of the lack of experience on the road. But young drivers can lower their insurance rates by shopping around, by taking advantage of the good student discount, or by staying on their parents' insurance policy for as long as they can.

Company NameAdultsSeniorsTeensYoung Adults
Geico Gen Ins Co$1,259$1,108$5,741$2,471
United Financial Cas Co$1,669$1,483$5,305$2,945
Allstate Northbrook Ind Co$1,817$1,482$6,146$3,046
State Farm Mut Auto Ins Co$2,226$1,839$4,111$2,871
Farmers Ins Exch$2,360$2,157$7,171$4,685
Amco Ins Co$2,435$2,268$8,067$4,136

Cheapest car insurance companies in San Jose by driver profile

Location and driving record are the two important factors that determine the cost of your car insurance. Your driving record can either raise or lower your car insurance premium depending on whether you have a good or bad driving history.

However, you can still find affordable coverage in San Jose no matter what your driving history looks like. Make sure you compare the rates of different insurance companies to get the best deal possible.

  • Cheapest for a driver with a speeding ticket: USAA
  • Cheapest for accident: USAA
  • Cheapest for DUI: Mercury

Cheapest auto insurance for drivers with a speeding ticket: USAA

USAA is the cheapest auto insurance company for a driver with a speeding ticket in San Jose. Its average annual premium is $1,866 annually or $156 per month.

If you get a speeding ticket, it can lead to higher insurance rates for 3-5 years. Make sure you compare price quotes from multiple insurers before you decide on the company.

CompanyAvgerage Annual Rates
USAA$1,866
Geico$2,287
Mercury$2,664
California Capital Ins Co$2,913
Travelers$3,213
Interinsurance Exchange$3,237
CSAA$3,270
Allstate$3,323
United$3,370
State Farm$3,503
Metropolitan$3,696
Nationwide$3,876
Farmers Ins$4,155
Hartford Underwriters Ins Co$4,232
Alliance United Ins Co$4,852

Cheapest auto insurance after an at-fault accident: USAA

USAA offers the cheapest car insurance rates for a driver with an accident record in San Jose at about $2,816 per year. Apart from USAA, Mercury, United, and Geico are other cheap insurance companies on our list.

CompanyAvgerage Annual Rates
USAA$2,816
Mercury$3,030
United$3,636
Geico$3,737
Interinsurance Exchange$3,801
Travelers$3,978
State Farm$4,518
Nationwide$4,652
Metropolitan$4,726
CSAA$5,129
Farmers Ins$5,193
California Capital Ins Co$5,266
Hartford Underwriters Ins Co$5,715
Allstate$6,172
Alliance United Ins Co$7,921

Cheapest auto insurance after a DUI: Mercury

Mercury is the cheapest insurance company for a driver after a DUI or DWI offense in Allakaket at about a $3,332 year.

If you're convicted of a DUI, your insurance rates will go up and it could be years before they come down again. So, it's important to shop around and find the best deal for you.

CompanyAvgerage Annual Rates
Mercury$3,332
Geico$3,673
United$4,188
Travelers$4,526
California Capital Ins Co$4,543
USAA$4,631
Farmers Ins$5,193
Nationwide$7,111
Interinsurance Exchange$7,120
Alliance United Ins Co$7,921
State Farm$8,113
CSAA$8,776
Allstate$9,002
Hartford Underwriters Ins Co$10,588
Metropolitan$19,770

Average car insurance cost in San Jose

The average car insurance rate in San Jose is $1,819 a year for a full coverage policy of 100/300/100 for a driver age 30, $372 more than the national average of $1,447.

The average annual premium in San Jose for minimum coverage is $521 a year or $43 a month, based on Insurance.com's rate analysis.

Average Annual RatesState Minimum Average
$1,819$521