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 | Century National | 1162 |
| 8 | 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.
