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 AverageNational Average
$1,863$1,868$1,548

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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
InsurerAverage Yearly Rate
GEICO$1,181
Mercury$1,516
AAA$1,646
Allstate$1,890
CSAA$1,964

Check out our guide to learn how to find the best cheap car insurance.



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
AgeAverage Yearly Rate
Teenagers$6,922
20s$2,764
30s$1,812
40s$1,754
50s$1,678
60s$1,677
70s$1,956

Learn more about the impact of age on auto insurance rates.



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/GenderAverage Yearly Rate
Female$1,866
Male$1,863
Single$1,787
Married$1,787
Divorced$1,863
Widowed$1,814

Learn more about how gender and marital status have on car insurance rates.



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
ViolationAverage Yearly Rate
DWI/DUI$4,840
Reckless Driving$4,953
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

Learn more about citations' impact on your auto insurance rates.



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 CodeAverage Rate
95101$1,916
95110$1,925
95111$2,003
95112$2,065
95113$2,125
95116$2,068
95117$1,752
95118$1,720
95119$1,729
95120$1,718
95121$1,949
95122$2,065
95123$1,793
95125$1,732
95126$1,810
95129$1,729
95130$1,650
95131$1,861
95132$1,863
95133$1,970
95134$1,754
95135$1,784
95136$1,800
95138$1,838
95139$1,699
95141$1,833
95148$1,966
95192$2,050


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.

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

Find Local San Jose Agents

McSherry & Hudson - San Jose

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

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

Jack Healey Insurance Agency, Inc

1602 the Alameda #203, San Jose, CA 95126

Archway Insurance Brokers, LLC

1731 Technology Dr, Ste 250, San Jose, CA 95110

The J. Morey Company, Inc Insurance Agents and Brokers

184 Jackson St, San Jose, CA 95112

Teifeld & Company Insurance Services, Inc.

255 W Julian St #403, San Jose, CA 95110

Wallis & Wallis Insurance

1249 Park Ave, San Jose, CA 95126

Care Ins Agcy Inc

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

NFP Property & Casualty Insurance Service

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

2

$1,401

The average San Josean's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

374

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

See How Much You Can Save in San Jose

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Recent Questions:

San Jose Car Insurance

What could be the reason State Farm increased my premium?

Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%.

Can I pause my insurance while I'm away for work?

If your vehicle registration isn't up for renewal soon, you might be able to put the vehicle into "storage protection." What this means is the vehicle is not legally allowed on the road, but will still maintain comprehensive coverage in order to protect the vehicle from theft and weather damage. This will also help reduce your premium without having to cancel your insurance or registration.

Can I insure my friend's car that I borrow?

As your friend already has a policy for the vehicle, you do not need to get another policy. You can have your friend add you to his policy as a covered driver.

What options do I have if I had an accident before setting up my insurance?

That would be considered insurance fraud. Unfortunately, the fact that you didn't have an active policy at the time of the accident means that you won't be able to file an insurance claim.