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.
| Company | Average 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 Name | Adults | Seniors | Teens | Young 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.
| Company | Avgerage 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.
| Company | Avgerage 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.
| Company | Avgerage 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 Rates | State Minimum Average |
|---|---|
| $1,819 | $521 |