What is the average cost of car insurance in San Jose?
The average cost of auto insurance in San Jose is $1,863 per year. That's less expensive than the statewide average in California ($1,868) and more expensive than the national average of $1,548. Our guide to San Jose auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!
SAN JOSE CAR INSURANCE RATES
|San Jose Average (annual)||California Average||National Average|
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San Jose car insurance rates by insurer
The difference in auto insurance rates from company to company can be substantial. In San Jose, GEICO provides the most affordable rates for the typical insurance customer. Reference below the top options for affordable insurance in San Jose. Don't forget to get car insurance quotes based on your unique driving profile.
SAN JOSE AUTO INSURANCE RATES BY COMPANY
|Insurer||Average Yearly Rate|
San Jose auto insurance premiums by age
The age bracket that pays the least for auto insurance in San Jose consists of drivers in their age_60s, who pay an average of $1,677. Drivers in their age_50s pay marginally higher rates — $1,678 per year.
Teen drivers pay San Jose's most expensive auto insurance rates. One of the most effective ways to lower your car insurance rates as a driver in San Jose is to age out of your teens. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in San Jose is $4,158. That's the biggest gap in premiums between any pair of age brackets.
SAN JOSE CAR INSURANCE RATES BY DRIVER AGE
|Age||Average Yearly Rate|
San Jose auto insurance rates by gender and marital status
In some cases, a driver's gender and marital status may influence the car insurance rates they pay. Married drivers in San Jose pay $76 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in San Jose, single drivers pay more than those who are widowed.
Gender is another factor that can affect car insurance rates. In San Jose, female drivers pay more for auto insurance than do male drivers: $3 per year, to be precise.
SAN JOSE AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Yearly Rate|
San Jose auto insurance costs by accident and citation history
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In San Jose, a reckless driving citation results in an average insurance rate increase of $3,090 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $2,977 increase and a speeding ticket triggers a $757 rate hike.
AVERAGE SAN JOSE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$1,872|
|At-fault Accident (damages greater than $2,000)||$3,279|
|Speeding Ticket (16-20 mph over speed limit)||$2,620|
San Jose auto insurance premiums by credit tier
Credit score is considered discriminatory in California and thus is not used as a rating factor when determining how much you'll pay for auto insurance.
San Jose car insurance rates by ZIP Code
Where you live is an important factor insurance companies take into account when calculating what you pay for auto insurance — right down to your specific ZIP code. Insurers weigh the risks within your locale and price car insurance policies accordingly. The more risk, the more expensive your premium, due to the likelihood of you needing to file a claim at some point. Below are average rates for every San Jose ZIP code.
AVERAGE SAN JOSE INSURANCE RATES BY ZIP CODE
|ZIP Code||Average Rate|
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, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. 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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local San Jose Agents
Wallis & Wallis Insurance
1249 Park Ave, San Jose, CA 95126
Khalsa Insurance Agency Inc.
3750 McKee Road, Suite A, San Jose, CA 95127
Sanfilippo & Sons Insurance Services, LLC
888 N 1st St, Suite D, San Jose, CA 95112
Teifeld & Company Insurance Services, Inc.
255 W Julian St #403, San Jose, CA 95110
NFP Property & Casualty Insurance Service
160 W Santa Clara St Ste 575, San Jose, CA 95113
Jack Healey Insurance Agency, Inc
1602 the Alameda #203, San Jose, CA 95126
McSherry & Hudson - San Jose
160 W. Santa Clara Street, Suite 715, San Jose, CA 95113
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
The J. Morey Company, Inc Insurance Agents and Brokers
184 Jackson St, San Jose, CA 95112
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