San Jose ZIP code 95122is the most expensive for car insurance in the city, yet drivers in this area still pay much lower rates, on average, than most others in the California.
But even if you live in one of the most expensive areas for car insurance in the city, you can still save money by shopping around.
Why does comparing car insurance rates save money?
No two insurance companies will charge the same amount of money for the same policy. So if you compare rates and opt for the lowest, you won’t over pay. For example, the highest rate from any carrier surveyed for ZIP 95122 in CarInsurance.com's analysis was $2,276 -- $1,303 more than the lowest ($973).
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 California, where 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.
To see how other San Jose car insurance rates compare, use our average rates tool below. Enter a ZIP code, select from among six age groups and three coverage levels and it will show the average rate, as well as the highest and lowest, for your location.
San Jose Car Insurance Rates by ZIP Code
Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.
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CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).
Averages for the default result are based on insurance for a married 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The rate includes uninsured motorist coverage.
Averages for customized rates are based on drivers ages 20, 30, 40, 50, 60 and 70 for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes.
Your own rate will depend on your personal factors and vehicle.
State Minimum: Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.
Liability Only 50/100/50: $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.
Full Coverage 100/300/100: $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.
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 ($1,598) for ZIP 95122 compares to others:
$527 more than the least expensive average rate ($1,071) in ZIP code 95130, Los Olivos
$80 more than the state average ($1,518)
$243 more than the national average rate ($1,355)
How much can you save on car insurance in San Jose?
You can save an average of $1,016 annually on a full coverage policy 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.
Average car insurance rates in San Jose by ZIP code
Here are the average rates by ZIP code for car insurance in San Jose. You'll see how much you can save by comparing car insurance companies.
Avg. Annual Premium
Max. Annual Premium
Min. Annual Premium
*Methodology for rates by ZIP code: CarInsurance.com commissioned Quadrant Information Services to run auto insurance rates for a 2016 Honda Accord for more than 30,000 ZIP codes in the United States using six large carriers -- Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. (In cases where an insurer’s rate wasn’t available, another major carrier's rate was substituted.) Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.
Minimum car insurance requirements in San Jose
The lowest liability car insurance limits your insurer offers is the cheapest policy you can buy. This will be the state minimum required to drive legally. In California, (written as 15/30/5) that means your liability car insurance would pay up to:
$15,000 for injuries you cause to others
$30,000 per accident
$5,000 for damage you cause to others' cars and property
Who has the cheapest auto insurance in San Jose?
Geico and United Financial have the cheapest car insurance rates in San Jose, based on our rate analysis for three different coverage levels. You can see how major insurers rank for price in the chart below.
State Farm Mutual Auto
Farmers Ins Exch
State Farm Mutual Auto
Farmers Ins Exch
State Farm Mutual Auto
Farmers Ins Exch
Best car insurance in San Jose
The best car insurance coverage usually isn’t the cheapest. You may be sued 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.
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 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 state average rate for a year of minimum coverage is $491, according to our rate analysis. If you increased your coverage to 50/100/50, you would pay just $101 more a year. You can get full coverage (100/300/100) by paying $86 more a month, or an additional $1,027 a year more than minimum-level coverage.
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 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.
Rate after violation
DUI/DWI third offense
DUI/DWI second offense
DUI/DWI first offense
Operating a vehicle in a race (highway racing)
2 speeding tickets 11 mph or over
Driving without a license or permit
Driving without insurance
Failure to stop
Failure to yield
Following too closely
Speeding 30+ over limit
Speeding ticket 1-5 MPH over limit
Speeding ticket 6-10 MPH over limit
Speeding ticket 11-15 MPH over limit
Speeding ticket 16-29 MPH over limit
*Methodology: CarInsurance.com commissioned Quadrant Information Services in 2019 to field rates from up to six major insurers for 10 ZIP codes in the city for the following driver profile: male, age 40, good credit, clean driver record, driving 2017 Honda accord. We compared the clean record driver rate to the rate for various tickets and accident claims to get the average percentage and dollar increase, for the coverage level of 100/300/50; with comprehensive and collision and $500 deductible. These are estimates; your actual rate will depend on your personal rating factors.
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 claim
Rate after claim
2 At-fault property damage accident over $2k
At-fault bodily injury accident
1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
1 comprehensive claim for over $2k
1 comprehensive claim for under $2k
2 comprehensive claims for over $2k
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 percent. It's more for boys. Insuring your 16-year-old son will increase your yearly rate by $4,104, or 249 percent, 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 percent.
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.