Car Insurance in San Jose

San Jose has premiums that are fairly consistent with California's average, as they are within $37 of one another. Let’s get started on how to save on car insurance in San Jose.

San Jose Car Insurance by Accident or Violation History

By knowing which driving mishaps can balloon your premiums, you can make better decisions and save money. You can expect your yearly car insurance premiums to grow by $941 if you are found at-fault in an accident in San Jose. $3,046 is the additional cost per year for drivers with a DUI or reckless driving infraction in San Jose, compared to the city average of $1,676.

San Jose Car Insurance by Gender and Marital Status

Pricing for car insurance premiums in San Jose is determined by many things, including marital status and gender. Being single, as opposed to married, can cost you 4% more per year. Rates for those who are widowed are relatively cheaper than rates for those who are single. Males have premiums that are a bit cheaper than those for females.

San Jose Car Insurance by Age

Everyone loves to save money, and luckily for drivers in their 60s, they do just that! They have the smallest car insurance rates among any age group, with rates of $1,440. Those in their 50s ($1,478) aren’t paying significantly more. With average rates of $6,299, teenage drivers pay the most in car insurance premiums. The biggest reduction in premiums for San Jose drivers happens when they reach their 20s. Once out of the teenage age bracket, individuals pay $3,836 less in premiums. When drivers turn 70, they will experience a rate increase related to their age for the first time.

* Credit score is considered discriminatory in California and is therefore not used as a rating factor when determining how much you'll pay for auto insurance every 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
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

Find Local San Jose Agents

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

Sanfilippo & Sons Insurance Services, LLC

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


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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