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 Average||State Average||National Average|
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 Violation||Mean Rate|
|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
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/Gender||Average Rate|
* 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 Codes95196 95194 95113 95116 95122
Cheap Zip Codes95130 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
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
The average San Josean's annual cost of coverage
Our customer's average savings after comparing insurance
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