How Much Are Car Insurance Rates in San Jose?


San Jose has premiums that are relatively similar to California's average, as they are within $37 of one another. Let's compare car insurance costs in San Jose versus premiums across the nation.


INSURANCE RATES: SAN JOSE VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$1,676$1,713$1,427


San Jose Car Insurance by Violation or Accident History


Accidents and violations on your driving record can cost you in terms of premiums. 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 charge have rates nearly triple the average for the city ($1,676). Even among safe drivers, accidents happen, so be prepared and learn the effect one can have on your rates. If you are found at-fault in an accident in San Jose, you can expect your yearly car insurance payments to rise by $941.


AVERAGE SAN JOSE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationMean Rate
DUI/DWI$4,722
Reckless Driving$4,722
At-fault Accident (damages less than $1,000)$2,617
At-fault Accident (damages greater than $2,000)$2,617
Speeding Ticket (16-20 mph over speed limit)$2,277


San Jose Car Insurance Premiums by Age

When you look across all age groups, drivers in their 60s have the smallest premiums. Their rates normally average $1,440 per year. However, those in their 50s ($1,478) aren’t paying significantly more. The biggest dip in premiums between any age group is from the teenage age bracket to the 20s, as drivers in San Jose start seeing a reduction in premiums of 61%. Car insurance premiums in San Jose continue to trend downward up until drivers hit 70. Teenage drivers have the largest premiums out of all the age groups. They have car insurance payments that average $6,299.


SAN JOSE CAR INSURANCE PRICES BY DRIVER AGE
AgeAverage Rate
Teenagers$6,299
20s$2,463
30s$1,646
40s$1,594
50s$1,478
60s$1,440
70s$1,607


San Jose Car Insurance by Marital Status and Gender


Both marital status and gender have an effect on your car insurance premiums in San Jose. However, males have premiums that are only a little cheaper than those for females. People who are married save around 4% per year on car insurance compared to those who are single or divorced. Rates for those who are widowed are moderately cheaper than rates for those who are single.


SAN JOSE AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,679
Male$1,676
Single$1,676
Married$1,604
Divorced$1,676
Widowed$1,610


* Credit score, while used in other states, is considered discriminatory in California and is therefore not used as a rating factor when companies determine how much you'll pay for auto insurance each year.


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
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.

62

Rainy Days a Year

16"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Car Insurance Companies in San Jose

Find Local San Jose Agents

McSherry & Hudson - San Jose

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

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

$1,401

The average San Josean's annual cost of coverage

40%

Our customer's average savings after comparing insurance

374

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

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