Buy Cheap San Jose, CA Auto Insurance

The cheapest auto insurance in San Jose, CA is USAA. However, car insurance rates will vary for each person. San Jose, CA auto insurance coverage must meet the state minimum requirements of 15/30/5 for liability and $3,500 per accident in UM/UIM property damage coverage. Compare San Jose, CA car insurance rates online to get the best price for you.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • The cheapest auto insurance company in San Jose, CA is USAA
  • Maintaining a clean driving record is a great way to save on auto insurance
  • California has outlawed gender-based auto insurance
  • San Jose has more vehicle thefts than San Diego despite having a lower population statistic

Auto insurance rates in San Jose, CA are cheaper depending on the company that has your policy and factors that determine auto insurance. You can save on San Jose, California auto insurance by shopping around, comparing rates, and looking for discounts.

But don’t worry. We’re here to help. Our guide explores how to secure cheap auto insurance coverages in San Jose, California, for every age, credit history, and driving record.

Ready to find affordable San Jose, CA auto insurance? Enter your ZIP code above to get started.

What is the cheapest auto insurance company in San Jose, CA?

The cheapest auto insurance company in San Jose, CA is USAA. However, USAA is only available for military veterans and their immediate families.

Always compare quotes before you buy San Jose, CA car insurance. Here are the best auto insurance companies in San Jose, CA ranked from cheapest to most expensive:

  • USAA — $2,652.57
  • GEICO — $2,754.42
  • Progressive — $2,878.78
  • Liberty Mutual — $2,953.00
  • Travelers — $3,310.21
  • State Farm — $4,126.95
  • Allstate — $4,216.25
  • Nationwide — $4,771.06
  • Farmers — $5,087.68

There are a lot of factors that determine your California auto insurance rates. The most significant factors are your driving record, age, and location.

Determining car insurance by gender in California has been banned, but other factors affect insurance, such as a vehicle.

What’s the cheapest neighborhood in San Jose, CA? The most affordable ZIP code in San Jose is 95130, and its average auto insurance cost is $385 per month.

Excellent credit history can save you about nine percent on auto insurance.

If you’re under 25 years old, your car insurance rates could be more than $6,000 per year. However, senior drivers who are 60 and older may have auto insurance rates of around $2,200 per year.

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What are the minimum auto insurance coverage requirements in San Jose, CA?

California’s Department of Insurance requires all drivers in the state to carry the minimum car insurance requirements, which are:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage
  • $15,000 per person and $30,000 per incident for uninsured/underinsured motorist coverage
  • $3,500 per incident for uninsured/underinsured property damage coverage

California has a relatively low property damage limit. Therefore, it may be in your best interest to get a higher coverage limit. However, higher limits are more expensive.

What affects auto insurance rates in San Jose, CA?

According to FBI statistics, San Jose is the third highest populated city in California. Therefore, you can expect more commuters on the road. More drivers on the road mean more chances of getting into an accident, which can raise your San Jose car insurance rates.

According to Numbeo, the average commute to work in San Jose, CA is 38 minutes. About one percent of San Jose residents use public transportation.

Did you know motor vehicle theft affects San Jose, CA auto insurance? The FBI annual statistics reported that San Jose had 6,126 auto thefts in 2019.

San Jose, CA Auto Insurance: The Bottom Line

On average, San Jose, CA auto insurance rates are cheaper than the national average. It all depends on the company that has your auto insurance policy and various factors that determine auto insurance.

Be sure to maintain a clean driving record to maximize your car insurance savings. Even a traffic ticket can affect your monthly premiums.

Before you buy auto insurance in San Jose, CA, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free San Jose, CA auto insurance quotes.

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Frequently Asked Questions: San Jose, CA Auto Insurance

If you still have questions about auto insurance in San Jose, CA, check out the answers below.

#1 – What’s the best auto insurance company in San Jose, CA?

That would depend on your car insurance needs. For military families, USAA would be better for them. Meanwhile, GEICO and Progressive may be better for young drivers.

#2 – Is comprehensive auto insurance more expensive in San Jose, CA?

San Jose has the second-highest auto theft rate in California. Therefore, car insurance companies may issue higher than average comprehensive coverage rates.

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