How Much Does Auto Insurance Cost in San Jose?
As one of California's larger cities, San Jose is filled with thousands of drivers, all of whom would love to find affordable car insurance. Luckily, premiums in San Jose are relatively equivalent to California's rates on the whole, landing within $19 of the state average. While this is lower compared to insurance coverage in some other major California cities, there are still some things that you should keep in mind when searching for the car insurance policy that is right for you. By knowing how your insurance premiums are calculated, you can make choices that can save you money in the long run.
We've analyzed how auto insurance rates in San Jose compare to costs nationwide. Hopefully this information can help you when you begin comparing car insurance companies in search of the best policy.
CAR INSURANCE PRICES: SAN JOSE VS. US/STATE AVERAGES
|City Average||State Average||National Average|
San Jose Car Insurance by Age
A driver's age can make a big difference in their insurance premiums. Unfortunately, there is nothing you can do about how old you are, but if you're looking for low-cost car insurance, it's always good to know how age plays into how your rates are figured. So which age group is seen by insurance companies as the biggest liability?
Car insurance premiums are highest for teenage drivers, with typical payments of $6,531 per year. When San Jose drivers hit their 20s, therefore moving out of their teenage years, they can save $5,010. You will not see a more significant gap between any other age group. Rates in San Jose continue to trend downward up until drivers turn 70. Drivers in their 60s save money on car insurance, as they have the lowest rates among all age groups, paying only $1,521 a year. People in their 70s and 50s aren't paying significantly more, with premiums of $1,524 and $1,562, respectively.
SAN JOSE CAR INSURANCE COSTS BY AGE
San Jose Car Insurance After Accidents or Violations
Your driving record has a huge impact on the cost of keeping your vehicle insured. Your coverage costs can increase dramatically if there blemishes in your driving history. This can include things such as an at-fault accident or damage to property. An insurance company looks closely at your driving record when determining the cost of your coverage. If your driving history is full of run-ins with the law or other accidents, cheap car insurance can be hard to come by. Here are just some of the ways that a poor driving record can impact the cost of your insurance policy.
Do you know how much an accident or violation on your record can cost you in terms of prices on car insurance? Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. In San Jose, drivers with either a DUI or reckless driving offense have rates nearly triple the average for the city of $1,767. When comparing rates for drivers with at-fault accidents in San Jose, those with damages exceeding $2,000 pay 62% more than those with damages less than $1,000. Therefore, driving safely could be one of the best ways to find cheaper car insurance.
AVERAGE SAN JOSE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Average Rate|
|At-fault Accident (damages less than $1,000)||$1,767|
|At-fault Accident (damages greater than $2,000)||$2,865|
|Speeding Ticket (16-20 mph over speed limit)||$2,390|
San Jose Auto Insurance by Marital Status
Marital status can have an effect on car insurance rates in San Jose. Rates for those who are widowed are relatively cheaper than rates for those who are single. Being married, as opposed to single or divorced, can save you approximately 4% per year on car insurance. Those who are married are seen by an insurance company as being less of a liability overall.
SAN JOSE CAR INSURANCE RATES BY MARITAL STATUS
|Marital Status||Average Rate|
* 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 & 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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local San Jose Agents
Teifeld & Company Insurance Services, Inc.
255 W Julian St #403, San Jose, CA 95110
Khalsa Insurance Agency Inc.
3750 McKee Road, Suite A, San Jose, CA 95127
The J. Morey Company, Inc Insurance Agents and Brokers
184 Jackson St, San Jose, CA 95112
Wallis & Wallis Insurance
1249 Park Ave, San Jose, CA 95126
McSherry & Hudson - San Jose
160 W. Santa Clara Street, Suite 715, San Jose, CA 95113
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
Sanfilippo & Sons Insurance Services, LLC
888 N 1st St, Suite D, 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
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