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San Jose Car Insurance

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Here you’ll learn everything you need to know to buy the best San Jose car insurance policy for your particular situation. You’ll see which carriers are rated as the best car insurance companies for customer satisfaction and what the average car insurance rates are for your neighborhood. You’ll also discover how much you can save from knowing how to make smart choices about coverage. And, find out how  rates for San Jose drivers are affected by tickets, accidents and adding teen drivers.

Who has the best car insurance in San Jose, CA? 

Deciding who has the best car insurance to suit your needs depends on what is most important to you. For some it may be price, while others may value customer service the most. Still others may be looking for the convenience of mobile apps, or a company that offers the most car insurance discounts. Below we list car insurance companies in San Jose and who they are the best at serving, based on CarInsurance.com’s customer satisfaction survey of currrent policy holders and rate data analysis.

Best forCompany
ClaimsEsurance
Value/PriceTravelers
Customer ServiceGeico
Websites/AppsSafeco
RecommendGeico
Low Annual MileageFarmers
Good StudentAMCO
BundleFarmers
MarriedUnited Financial

Car insurance companies in San Jose

Our readers in San Jose over the past year were most interested in the following California car insurance companies:

CompanyQueries
Progressive9,774
Esurance4,799
Geico2,842
State Farm2,316
Mercury1,096
Allstate801
Apollo467
Sentry Insurance114
Metromile108
Nationwide104
USAA98
Armed Forces Insurance33
Travelers19
21st Century15

Cheapest Car Insurance Companies in San Jose, California

Geico and United Financial have the cheapest car insurance rates in San Jose, based on our rate analysis for three different coverage levels. The driver profile is for age 30, with good credit and a clean driving record.

You can see how major insurers rank for price in the chart below.

CompanyState minimum50/100/50100/300/100
Geico$334$433$1,360
United Financial$505$668$1,790
Allstate$637$691$2,043
State Farm$675$875$2,323
Farmers$705$844$2,420
Amco$745$937$2,555

Car Insurance Coverage – How much car insurance do I need in San Jose?

Below we’ll explain what coverage you need to drive legally, which is your state required minimum liability limits, and what types of car insurance you may need to be truly protected.

 Minimum car insurance requirements in San Jose

California car insurance laws require only that you insure yourself against bodily injury and property damage liability, so it’s your choice whether to add coverage for yourself, your passengers, and your vehicle.

If you have a newer model car, it makes sense to get comprehensive insurance and collision coverage. In California, comprehensive costs $151 and collision costs $997, on an average per year, according to a rate data analysis done by CarInsurance.com. These optional coverages come with a deductible. That’s the amount you pay before your insurance company pays. Typical deductibles amounts are $1,000, $500 and $250 – you choose which one you want. The higher the deductible is, the lower your rate will be.

The best car insurance coverage usually isn’t the cheapest. You may be used if you’re in an accident and your insurance doesn’t cover all of the damages. That means your home or savings could be in jeopardy. To protect your assets, you should buy liability insurance in the following amounts:

  • $100,000 to pay for others’ medical bills
  • $300,000 to pay for injuries to others in an accident you cause
  • $100,000 to pay for damage to others’ property

 

You should also consider buying these optional coverages:

  • Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
  • Collision, which pays for damage to your car from accidents.

The average rate for San Jose drivers for a year of minimum coverage is $600, according to our rate analysis. If you increased your coverage to 50/100/50, you would pay just  about $12 more a month, or $141 more a year. You can get full coverage (100/300/100) by paying $124 more a month, or an additional $1,482 a year more than minimum-level coverage.

San Jose average for:

  • Minimum coverage: $600
  • 50/100/50: $741
  • 100/300/100: $2,082

How to save on auto insurance in San Jose, CA

You can save an average of $1,195 annually on a full coverage policy in San Jose by comparing car insurance quotes, according to CarInsurance.com's rate analysis. While savings will depend on your particular circumstances, this shows that there is a significant benefit to shopping your policy.

Why does comparing car insurance quotes save money?

No two insurance companies will charge the same amount of money for the same policy. So if you compare car insurance quotes and opt for the lowest, you won’t over pay. For example, the highest rate from any carrier surveyed for ZIP code 95113, the priciest ZIP code for San Jose car insurance, was $3,338. The lowest was $1,599. The difference is $1,793, which is how much you could overpay. That’s why car insurance comparisons are paramount to finding the best cheap car insurance for your situation.

Car insurance rates in San Jose by ZIP code

Many factors go into calculating car insurance rates, but a driver's location is typically used to kick off the process. That's not the case in San Jose, where California car insurance companies determine what you pay primarily based on how long you've been driving, how much you drive and your driving history. Still, location does come into play after those factors are considered, as ZIP codes are judged to have different risk levels based on the number and severity of car insurance claims within the area.

CarInsurance.com analyzed car insurance rates from six car insurance companies for nearly every ZIP code in California. Here's how San Jose's highest average rate ($2,396) for ZIP 95113 compares to others, for a full coverage policy of 100/300/100 for a driver age 30:

  • $543 more than the least expensive average rate ($1,853) in ZIP code 95219
  • $314 more than the state average ($2,082)
  • $638 more than the national average rate ($1,758)

Below you'll see how San Jose ZIP codes compare for rates for a full coverage policy.

SanJoseRatebyZIPBarGraph

How much does insurance go up after a speeding ticket in San Jose?

A speeding ticket in San Jose will hike your car insurance rates by an average of 46%, or about $760, yearly. CarInsurance.com’s rate analysis shows how much more drivers in San Jose can expect to pay, on average, for speeding and other common violations. Minor traffic violations, such as speeding, typically stay on your record for about three years, and you can expect to see the rate increase upon your policy renewal date. More severe infractions, such as DUI, typically stay on your record much longer.

How much does insurance go up for tickets in San Jose?

San Jose drivers can expect to see a hike in their rates in the range of 49% for minor moving violations such as tailgating or blowing through a stop sign, to 182% for more severe infractions such as DUI. Below you’ll see how much rates increase, on average, for common traffic violations. Remember, though, that because insurance companies assess risk differently, you can still save by comparison shopping, because one carrier may ding you a lot for a citation, while another may spike your rate by much less.

ViolationAverage rateRate after violation$ increase% increase
DUI/DWI third offense$1,645$8,600$6,955423%
DUI/DWI second offense$1,645$6,655$5,010305%
DUI/DWI first offense$1,645$4,639$2,994182%
Operating a vehicle in a race (highway racing)$1,645$4,506$2,861174%
Reckless driving$1,645$4,506$2,861174%
2 speeding tickets 11 mph or over$1,645$3,365$1,720105%
Driving without a license or permit$1,645$3,196$1,55194%
Driving without insurance$1,645$2,541$89654%
Careless driving$1,645$2,540$89554%
Improper/illegal pass$1,645$2,501$85652%
Failure to stop$1,645$2,445$80049%
Failure to yield$1,645$2,445$80049%
Following too closely$1,645$2,445$80049%
Improper turn$1,645$2,445$80049%

How much will an accident raise my insurance in San Jose?

An accident will increase car insurance rates by 67% to 88%, on average, for drivers in San Jose. When you file a claim for an accident that's your fault, typically your car insurance rates will increase. However, claims under your comprehensive coverage, if you have it as it’s optional, typically won’t trigger an increase. That’s because comprehensive claims are for damage insurers consider to be beyond your control, for instance due to hail, fire, flooding, falling objects or collisions with an animal. The table below shows how much for drivers in San Jose can expect to pay for common car insurance claims.

Accident or comp claimAverage rateRate after claim$ increase% increase
2 At-fault property damage accident over $2k$1,645$4,327$2,682163%
At-fault bodily injury accident$1,645$3,092$1,44788%
1 At-fault property damage accident over $2K$1,645$2,752$1,10767%
1 At-fault property damage accident under $2K$1,645$2,752$1,10767%

How much does it cost to add a teen driver to your insurance?

In San Jose, adding a 16-year-old daughter to your policy will hike your rates by $2,996 annually, or 182%. It's more for boys. Insuring your 16-year-old son will increase your yearly rate by $4,104, or 249%, according to CarInsurance.com rate data. Teen drivers are inexperienced, and are involved in more accidents than older drivers, according to federal research, and insurance companies categorize them as high-risk drivers, so they cost more to insure. If you're insuring a teen driver of any age, you can get expert tips, more rate data by age and details from our  "Parents guide to insuring a teen driver."

How much much is SR-22 insurance in San Jose?

CarInsurance.com data show that for drivers in San Jose, your rate will go up by an average of $3,020, or 184%.

If you're convicted of a serious offense, such as DUI or reckless driving, you may be required to have your insurance company file an SR-22 form on your behalf. An SR-22 is a car insurance company’s guarantee to the state that you are carrying the legally mandated coverage. If you are required to have an SR-22 filed, your car insurance rates will increase.