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San Jose Car Insurance

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San Jose ZIP code 95122 is 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.

Invalid ZIP code or data not available
MOST & LEAST EXPENSIVE ZIP CODES in California
HIGHEST RATE:
  • 90010- LOS ANGELES: $2,552
  • 90038- LOS ANGELES: $2,507
  • 90020- LOS ANGELES: $2,494
  • 90029- LOS ANGELES: $2,488
LOWEST RATE:
  • 93441- LOS OLIVOS: $1,071
  • 93437- LOMPOC: $1,088
  • 93427- BUELLTON: $1,091
  • 93401- SAN LUIS OBISPO: $1,095

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.

ZIP codeAvg. Annual PremiumMax. Annual PremiumMin. Annual Premium$ savings
95122$1,598$2,276$973$1,303
95121$1,592$2,142$953$1,189
95111$1,583$2,150$928$1,222
95113$1,552$2,131$1,005$1,126
95148$1,547$2,146$937$1,209
95193$1,547$2,005$1,101$904
95194$1,547$2,005$1,101$904
95196$1,547$2,005$1,101$904
95112$1,545$2,106$928$1,178
95116$1,537$2,186$1,050$1,136
95127$1,537$2,000$913$1,087
95126$1,504$1,933$1,005$928
95133$1,501$2,175$916$1,259
95110$1,492$2,014$996$1,018
95190$1,476$2,025$973$1,052
95191$1,476$2,025$973$1,052
95131$1,473$2,067$856$1,211
95132$1,460$1,949$857$1,092
95138$1,442$1,949$916$1,033
95135$1,414$1,949$886$1,063
95139$1,411$1,771$996$775
95134$1,409$1,833$886$947
95141$1,407$1,835$1,000$835
95128$1,404$1,794$914$880
95123$1,402$1,853$798$1,055
95119$1,400$1,842$856$986
95101$1,398$1,926$856$1,070
95136$1,396$1,874$875$999
95118$1,391$1,789$960$829
95120$1,384$1,794$871$923
95117$1,382$1,846$875$971
95125$1,371$1,761$845$916
95129$1,366$1,702$914$788
95124$1,355$1,759$851$908
95130$1,325$1,669$857$812

*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.

CompanyState minimum
Geico General$253
United Financial$435
Northbrook$482
State Farm Mutual Auto$527
Amco$543
Farmers Ins Exch$583
Company50/100/50
Geico General$307
United Financial$522
Northbrook$524
Amco$654
State Farm Mutual Auto$682
Farmers Ins Exch$698
Company100/300/100
Geico General$942
United Financial$1,080
Northbrook$1,269
Amco$1,682
State Farm Mutual Auto$1,881
Farmers Ins Exch$1,918

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.

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%
Speeding 30+ over limit$1,645$2,405$75946%
Speeding ticket 1-5 MPH over limit$1,645$2,405$75946%
Speeding ticket 6-10 MPH over limit$1,645$2,405$75946%
Speeding ticket 11-15 MPH over limit$1,645$2,405$75946%
Speeding ticket 16-29 MPH over limit$1,645$2,405$75946%

*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 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%
1 comprehensive claim for over $2k$1,645$1,645$00%
1 comprehensive claim for under $2k$1,645$1,645$00%
2 comprehensive claims for over $2k$1,645$1,645$00%

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.