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Car Insurance in San Jose

Compare car insurance costs in San Jose, California (2024)

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Car Insurance in San Jose, CA

The unexpected happens, even in the high-tech world of Silicon Valley. Self-driving car companies claim the number of car accidents will fall in the future, but for now, the crashes continue. So, if you live in San Jose, you should seek the right insurance policy to protect your financial stability.

Drivers in California's third-largest city don't have to worry about unique traffic laws or minimum car insurance coverages above and beyond what the state requires. As with most major cities, it's your responsibility to follow all posted signage and be aware of parking regulations involving street cleaning or big events.

If you compare car insurance quotes in San Jose, you can find the best price available. Shopping around is essential because what you pay can vary based on your location, age, driving record, and the make and model of your car.


How much is car insurance in San Jose, CA?

The overall expense of car insurance in San Jose largely depends on the coverage options you're interested in. To provide a general idea of what you might pay, below are the average costs for the three most popular types of coverage in the city:

$54
State Minimum
$184
Full 50/100
$189
Full 100/300

Auto Insurance Cost Methodology
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Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.

What are the cheapest cars to insure in San Jose?

Evaluating and comparing the insurance costs for each possible car make, model, and year within the city can be a complex task. Nevertheless, if you're interested in identifying which recent models generally offer more cost-effective insurance, take a look at these top 10 most budget-friendly car makes and models in San Jose:


RankMake and ModelAverage Monthly Premium
1Dodge Grand Caravan$166
2Subaru Forester$172
3Honda Cr-V$174
4Honda Odyssey$181
5Kia Sedona$183
6Toyota Rav4$184
7Toyota Corolla$186
8Kia Sol$187
9Ford F-150$189
10Jeep Cherokee$192
Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024


How do claims and violations impact my total cost?

Your driving history plays a critical role in determining your car insurance premiums. Various driving incidents, including minor collisions, major accidents, speeding tickets, DUIs, or hit-and-run occurrences, can affect your insurance rates in the city. Here's a view of how common claims and violations can change your rates in San Jose, listed from the least impactful to the most impactful:


Violation or ClaimAverage Monthly CostPrice Difference
No Claims or Violations$184-
Not at-fault Accident$1840%
Driving with expired registration$267+45%
Speeding Ticket$268+46%
At-fault Accident$319+73%
Driving with a suspended license$442+140%
Hit and Run$473+157%
DUI$484+163%


What car insurance discounts can I get in San Jose?

In San Jose, there are numerous discounts available to help reduce the cost of your insurance. These include bundling policies, paying your entire premium upfront, switching to paperless billing, and securing renewal discounts, among others. Below, you will find a list of these discounts ranked from the greatest to the least in terms of savings potential, offering you a clear view of the opportunities to lower your expenses:


Potential DiscountsAverage Monthly CostMonthly Savings
Low Mileage$136+$48
Multi-Policy Home$163+$21
Multi-Policy Renters$175+$9
Renewal discount$178+$6
Paperless$184$0
Paid in Full$184$0
Electronic Funds Transfer$184$0
None$184-


Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.