The average San Josean's annual cost of coverage


Our customer's average savings after comparing insurance


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

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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 Zip Codes

95196   95194   95113   95116   95122  

Cheap Zip Codes

95130   95120   95124   95129   95141  

Be Prepared For

Driving in San Jose

Major Highways
I-280 I-680 I-880
Public Transit
VTA Light Rail VTA Bus DASH
Toll Roads
I-80 SR 237
Popular Day Trips
Monterey Muir Woods Pacifica

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

Car Insurance Companies in San Jose

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

Jack Healey Insurance Agency, Inc

1602 the Alameda #203 San Jose, CA 95126