What's the Cost of Car Insurance in San Jose?


It is imperative to cut costs while insuring a vehicle in San Jose because premiums in California are recognized for being pricey. They generally exceed the national average by 20%. We've analyzed how auto insurance rates in San Jose compare to premiums nationwide.


INSURANCE PRICES: SAN JOSE VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$1,676$1,713$1,427


San Jose Auto Insurance for Drivers With At-Fault Accidents or Violations


Accidents and violations on your driving record can cost you in terms of premiums. Expect your annual car insurance premiums to rise by $941 if you are found at-fault in an accident in San Jose. Drivers with a DUI or reckless driving violation in San Jose need to spend nearly triple the average for the city to insure their vehicle.


AVERAGE SAN JOSE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Annual Premium
DUI/DWI$4,722
Reckless Driving$4,722
At-fault Accident (damages less than $1,000)$2,617
At-fault Accident (damages greater than $2,000)$2,617
Speeding Ticket (16-20 mph over speed limit)$2,277


San Jose Auto Insurance by Gender and Marital Status


There are several factors, including gender and marital status, that have an effect on car insurance premiums in San Jose. However, females have premiums that are only a little more expensive than those for males. Rates for those who are widowed are moderately cheaper than rates for those who are single. Single individuals spend an average of 4% more per year compared to those who are married.


SAN JOSE CAR INSURANCE RATES BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$1,679
Male$1,676
Single$1,676
Married$1,604
Divorced$1,676
Widowed$1,610


San Jose Car Insurance by Age

At $1,440, drivers in their 60s have the smallest insurance premiums among any age group. Those in their 50s ($1,478) have premiums that aren't much higher. The biggest fall in premiums for San Jose drivers happens when they hit their 20s. Once out of the teenage age range, they save an average of $3,836 annually. In San Jose, turning 70 means a rise in premiums. Up until then, transitioning from one age group to the next means decreasing prices. Teenage drivers are the ones who pay the most in car insurance premiums, with typical payments of $6,299.


SAN JOSE CAR INSURANCE PRICES BY DRIVER AGE
AgeAverage Rate
Teenagers$6,299
20s$2,463
30s$1,646
40s$1,594
50s$1,478
60s$1,440
70s$1,607


* Credit score is considered discriminatory in California and thus is not used as a rating factor when companies determine how much you'll pay for auto insurance.


What drives up car insurance rates in San Jose?

Where you live in San Jose affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by zip code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately San Jose is no exception to the rule. From zip code 95130 to 95122, premiums rise by 24 percent—that’s $294.

Expensive San Jose Zip Codes: 95196, 95194, 95113, 95116, 95122

Cheap San Jose Zip Codes: 95130, 95120, 95124, 95129, 95141

San Jose Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In San Jose, you can expect 62 rainy days with an annual rainfall of 15.8 inches. San Jose is also known to experience earthquakes and wildfires. You can check on the condition of the roads anytime here.

62

Rainy Days a Year

16"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in San Jose

2
Major Highways
I-280 I-680 I-880
2
2
Toll Roads
I-80 SR 237
2
Popular Day Trips
Monterey Muir Woods Pacifica

Car Insurance Companies in San Jose

Find Local San Jose Agents

McSherry & Hudson - San Jose

160 W. Santa Clara Street, Suite 715 San Jose, CA 95113

Jack Healey Insurance Agency, Inc

1602 the Alameda #203 San Jose, CA 95126

Wallis & Wallis Insurance

1249 Park Ave San Jose, CA 95126

The J. Morey Company, Inc Insurance Agents and Brokers

184 Jackson St San Jose, CA 95112

Archway Insurance Brokers, LLC

1731 Technology Dr, Ste 250 San Jose, CA 95110

Care Ins Agcy Inc

900 N 1st St #E San Jose, CA 95112

Sanfilippo & Sons Insurance Services, LLC

888 N 1st St, Suite D San Jose, CA 95112

NFP Property & Casualty Insurance Service

160 W Santa Clara St Ste 575 San Jose, CA 95113

Khalsa Insurance Agency Inc.

3750 McKee Road, Suite A San Jose, CA 95127

Teifeld & Company Insurance Services, Inc.

255 W Julian St #403 San Jose, CA 95110

See All

2

$1,401

The average San Josean's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

_icon-city-taco

374

That's equal to 374 tacos or $560 in savings

See How Much You Can Save in San Jose

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San Jose Car Insurance

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