Cheap car insurance in San Jose, CA

San Jose City is the biggest city within Northern California (by both area and population) and was the 1st capital of California State. It’s the political, economic and cultural center in Silicon Valley. It’s considered to be the 3trd most populated city in the State of California (after San Diego and LA), having a population of more than 1 million citizens and the 10th most populated city in USA. The city has about 300 days/ year that are sunny while its average temperature is about 60 degrees. Its climate is among the most attractive merits of the city.

Being one of the larger cities in California, San Jose has many drivers that are interested in affordable auto insurance. In this article, we will look at various aspects concerning auto insurance in San Jose, California.

San Jose Car Insurance Information

The city of San Jose lies at the 50th position in a list with cities that have the most expensive rates of car insurance in California State. As a matter of fact, vehicle owners in San Jose pay 0.2 times or 20% more in auto insurance premiums than the auto insurance average of the state and 2 times/ 200% more than national average.

The annual average rates of auto insurance in San Jose is approximately $1,731/ year in comparison to the nationwide average of $900. This makes it necessary to shop for few quotes of auto insurance before purchasing your car insurance policy.

The table below clearly shows the average auto insurance cost of San Jose, California State and the national average.

CHEAPEST CAR INSURANCE COMPANIES IN San Jose

In order to determine the company with the cheapest auto insurance rates, we compared the rates of various auto insurance firms that are based in San Jose. It’s also worth noting that the rates of car insurance tend to vary based on the age or sex of the driver. However, the biggest factor that affects costs is the variability in the quotes of the companies. For instance, in San Jose, the highest auto insurance quote was 250% or $2,730 as compared to the cheapest auto insurance firm’s quote that was $1,137. Therefore, we highly recommend that you obtain auto insurance quotes from a minimum of 3 car insurance firms so that you can make a comparison on their rates.

To make things even easier for you, we’ve made a list of the top 10 cheapest auto insurance firms in San Jose together with their annual auto insurance rates in the table below.

Rank Auto insurance company name Annual rate
1 Bristol West 2730
2 Kemper Specialty 2518
3 Unitrin 1753
4 Progressive 1674
5 Allied 1633
6 Grange 1357
7 GEICO 1211
8 Century National 1162
9 Nationwide 1137

San Jose Car Insurance Rate by Zip Code

In the above table, we’ve recorded data to compare various rates of car insurance rate in San Jose by the zip codes. We’re attempting to give an explanation of how the rates of car insurance change when there is change of zip codes. For instance, the average auto insurance rate in San Jose for a 30vyear old male driver is $1433 for 95037 zip code. On the other hand, the average auto insurance rate for a similar driver is $1627 for 95131 zip code. We can evidently see that there is an increase in price of about $600/ year by about $194 when there is change in zip codes in the city of San Jose. It’s therefore important to select the appropriate zip code so that you can obtain the cheapest auto insurance rate in this area. Luckily, this is exactly what Network auto insurance does for you. We can assist you select the appropriate zip code when insuring your car to ensure that you get the cheap auto insurance in San Jose.

San Jose Zip Codes Gender Age Average Rate($) Lowest($) Highest($)
95002 Male 30 1521 1118 1895
95119 Male 30 1550 1078 1892
95037 Male 30 1433 1053 1689
95131 Male 30 1627 1078 2122
95124 Male 30 1498 1069 1804
95138 Male 30 1599 1152 2003
95120 Male 30 1530 1094 1862
95125 Male 30 1517 1062 1808
95129 Male 30 1512 1147 1809
95134 Male 30 1563 1118 1882

San Jose CAR INSURANCE RATES BY AGE

Age Average car insurance rate/year ($)
70 1524
60 1521
50 1562
40 1680
30 1737
20 2573

The age of the driver affects premiums in auto insurance. Since there is nothing one can do about their age, it’s good to be recognize how age affects auto insurance rates when looking for affordable car insurance.

The table below contains data that compares the average rate of auto insurance in San Jose for various age groups. We’re attempting to give an explanation of how the rates of auto insurance gender change with the driver’s age. We can clearly see that the auto insurance premium for the teenage driver are the highest with average payment of about $6531/ year. When drivers in San Jose move out of the teenage age range, their premium decrease by $5010. These rate continue to decrease as the age of the driver increases.

MINIMUM CAR INSURANCE REQUIREMENT IN San Jose

Insurance type San Jose minimum requirement
Underinsured/ uninsured motorist bodily injury Unavailable
Property damage $5000/accident
Bodily injury liability $30000/ accident or $15000/ person

San Jose city requires car insurance with the minimum protection from bodily injury of $15000 for every person or $30000 for every accident as well as $5000 for the property damage for every accident. Therefore, we recommend that you obtain the best probable auto insurance coverage through the cheapest price possible. Luckily, this is specifically what Network insurance does for you. Contact us and we’ll find you a cheap car insurance company based on your exact Zip code.

Top car insurance agents in San Jose

David Tofig; Allstate Insurance

6116 Camino Verde Dr Ste 9, San Jose, CA 95119, USA

Insurance Agent; Rolando Suarez

696 E Santa Clara St #110, San Jose, CA 95112, USA

GEICO Insurance Agent

2195 Monterey Rd Suite 20,San Jose, CA 95125

Victor Quoc Tieu ; Allstate Insurance

102 W Alma Ave, San Jose, CA 95110, USA

Annie; Allstate Auto Insurance Agent

521 Charcot Ave Ste 109, San Jose, CA 95131, USA

Phuong Tran; Allstate Auto Insurance Agent

510 N 1st St Ste 224, San Jose, CA 95112, USA

Lisa Yen; Allstate Auto Insurance Agent

1131 S De Anza Blvd, San Jose, CA 95129, USA

Hieu; Allstate Auto Insurance Agent

1625 Alum Rock Ave, San Jose, CA 95116, USA

Hien Nguyen; Allstate Auto insurance agent

2180 Story Rd Ste 204, San Jose, CA 95122, USA

San Jose CA DEMOGRAPHY

About San Jose

  • Population 1.035 million (2017)
  • Population Density 321/ km2
  • Land Area 467.5 km2
  • Latitude 37° 20’N
  • Longitude 121° 54’ W
  • Area code 669/ 408