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 AverageState AverageNational Average
$1,767$1,748$1,569


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
AgeAverage Rate
Teenagers$6,531
20s$2,573
30s$1,737
40s$1,680
50s$1,562
60s$1,521
70s$1,524


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 ViolationAverage Rate
DUI/DWI$4,921
Reckless Driving$4,921
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 StatusAverage Rate
Single$1,767
Married$1,690
Divorced$1,767
Widowed$1,697


* 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.


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

Find Local San Jose Agents

Jack Healey Insurance Agency, Inc

1602 the Alameda #203 San Jose, CA 95126

Care Ins Agcy Inc

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

Teifeld & Company Insurance Services, Inc.

255 W Julian St #403 San Jose, CA 95110

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

Wallis & Wallis Insurance

1249 Park Ave San Jose, CA 95126

NFP Property & Casualty Insurance Service

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

Archway Insurance Brokers, LLC

1731 Technology Dr, Ste 250 San Jose, CA 95110

Sanfilippo & Sons Insurance Services, LLC

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

The J. Morey Company, Inc Insurance Agents and Brokers

184 Jackson St San Jose, CA 95112

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.