Who Has the Cheapest Auto Insurance Quotes in San Jose, CA?
Geico has the cheapest auto insurance in San Jose, at $113 per month, on average.
Compare Car Insurance Rates in San Jose, CA
Best cheap car insurance in San Jose, CA
How we chose the top companies
Best and cheapest car insurance in San Jose, California
- Cheapest full coverage: Geico, $113/mo
- Cheapest minimum liability: Geico, $38/mo
- Cheapest for young drivers: State Farm, $111/mo
- Cheapest after a ticket: Geico, $177/mo
- Cheapest after an accident: Mercury, $222/mo
- Cheapest for teens after a ticket: Geico, $133/mo
- Cheapest after a DUI: Mercury, $250/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Geico is the best car insurance company in San Jose for most people because of its cheap rates and good customer service. But, you shouldn't consider Geico if you have an accident on your record.
USAA has the best combination of cheap coverage and good customer service among large companies in San Jose. But, USAA only sells car insurance to current or former members of the military and their immediate family.
Cheapest car insurance in San Jose: Geico
Geico has the cheapest auto insurance in San Jose, at $113 per month for a full coverage policy, on average.
That's roughly one-third less than the citywide average of $162 per month.
Find Cheap Auto Insurance Quotes in San Jose
USAA is also a good choice for full coverage auto insurance in San Jose. The company has affordable rates, with an average of $128 per month. But, you can only buy USAA insurance if you or an immediate family member is a current or former member of the military.
Cheapest full coverage car insurance in San Jose
Company | Monthly rate | ||
|---|---|---|---|
| Geico | $113 | |
| Mercury | $141 | |
| Progressive | $145 | |
| Allstate | $160 | |
| State Farm | $176 | |
*USAA is only available to current and former military members and their families.
Cheapest minimum coverage in San Jose: Geico
Geico has the cheapest car insurance in San Jose for minimum liability coverage.
The company charges an average of $38 per month, which is roughly two-thirds of the city average.
Best cheap liability auto insurance
Company | Monthly rate |
|---|---|
| Geico | $38 |
| AAA | $49 |
| Progressive | $53 |
| Mercury | $56 |
| State Farm | $58 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in San Jose
Cheapest car insurance in San Jose for teens: State Farm
State Farm has the cheapest liability-only car insurance for San Jose teen drivers, at $111 per month, on average.
That's 26% cheaper than the city average of $149 per month.
Geico has the most affordable full coverage policies for 18-year-old drivers in San Jose. Policies cost $295 per month, which is three-quarters of the citywide average.
Monthly car insurance rates for teen drivers
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $111 | $304 |
| Geico | $118 | $295 |
| Mercury | $143 | $339 |
| AAA | $159 | $551 |
| Progressive | $161 | $436 |
*USAA is only available to current and former military members and their families.
The best way for teen drivers in San Jose to save on car insurance is by sharing a policy with their parents. You can save even more if you use common car insurance discounts for teen drivers, such as good student or student away from home.
Most affordable auto insurance in San Jose after a speeding ticket: Geico
Geico has the cheapest auto insurance in San Jose for drivers who've gotten a speeding ticket.
The company charges an average of $177 per month for full coverage. That's 24% cheaper than the city average of $233 per month.
Cheapest coverage after a speeding ticket
Company | Monthly rate |
|---|---|
| Geico | $177 |
| Mercury | $200 |
| Progressive | $222 |
| AAA | $223 |
| Allstate | $230 |
*USAA is only available to current and former military members and their families.
Cheapest auto insurance in San Jose after an accident: Mercury
Mercury has the most affordable rates in San Jose for drivers who've been in an at-fault accident.
A Mercury full coverage policy costs an average of $222 per month. That's roughly one-third less than the citywide average.
Cheapest car insurance after an accident
Company | Monthly rate |
|---|---|
| Mercury | $222 |
| Progressive | $238 |
| Geico | $289 |
| State Farm | $346 |
| AAA | $357 |
*USAA is only available to current and former military members and their families.
After an accident, San Jose drivers see their monthly prices nearly double.
Try to limit your rate increase after a crash by shopping around for the most affordable coverage. Farmers, the most expensive insurance company after an accident in San Jose, charges more than twice as much as Mercury, the cheapest company.
Cheapest car insurance for teens after a ticket: Geico
Geico has the cheapest car insurance in San Jose for teen drivers with a speeding ticket or accident on their record.
For teen drivers in San Jose who've gotten a ticket, Geico charges an average of $133 per month. That's about one-third cheaper than the citywide average of $199 per month.
Geico charges teen drivers who've been in an at-fault accident $163 per month, on average. That's 25% cheaper than the San Jose average.
Monthly minimum coverage rates for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Geico | $133 | $163 |
| State Farm | $176 | $184 |
| Mercury | $189 | $178 |
| Allstate | $209 | $278 |
| Progressive | $209 | $233 |
*USAA is only available to current and former military members and their families.
Cheapest auto insurance in San Jose for drivers with a DUI: Mercury
Mercury offers the most affordable rates for San Jose drivers with a DUI on their record.
Full coverage costs $250 per month, on average. That's 43% cheaper than the city average of $437 per month.
Cheapest San Jose car insurance after a DUI
Company | Monthly rate |
|---|---|
| Mercury | $250 |
| Geico | $285 |
| Progressive | $345 |
| Farmers | $461 |
| Allstate | $623 |
*USAA is only available to current and former military members and their families. DUI rate data for State Farm is not available in California.
In San Jose, a DUI will raise your monthly car insurance rate by an average of $275 per month.
There are steps you can take to limit how much your rate goes up after a DUI. Remember to compare quotes when your policy comes up for renewal. You could save almost $400 per month by switching from the most expensive insurance company after a DUI, AAA, to the cheapest company, Mercury.
It's also a good idea to take advantage of car insurance discounts, such as bundling and defensive driving.
Average cost of car insurance in San Jose by neighborhood
Downtown San Jose has the most expensive average rates in the city for car insurance, at $188 per month. Western San Jose near Cupertino has the cheapest coverage, at an average of $147 per month.Where you live in San Jose influences the amount you'll pay for car insurance. Insurance companies consider factors like traffic, property crime and vandalism when setting rates.
Full coverage quotes by San Jose ZIP code
ZIP | Monthly rate | % from average |
|---|---|---|
| 95008 | $153 | -6% |
| 95014 | $147 | -10% |
| 95032 | $155 | -4% |
| 95101 | $165 | 2% |
| 95110 | $175 | 8% |
Frequently asked questions
Who has the cheapest car insurance in San Jose, CA?
Geico has the cheapest car insurance in San Jose for most people. The company has the most affordable full coverage policies, at $113 per month, on average. Geico is also a good choice for minimum liability coverage, with average rates of $38 per month.
How much is car insurance in San Jose?
Car insurance in San Jose costs an average of $162 per month for a full coverage policy. Minimum liability car insurance is $57 per month, on average.
What are the best car insurance companies in San Jose?
AAA, USAA and State Farm offer the highest quality coverage among major car insurance companies in San Jose. It's a good idea to consider a company's customer service reputation when shopping for car insurance because well-rated companies tend to have smoother claims processing experiences.
Methodology
To find the best cheap car insurance in San Jose, CA, ValuePenguin collected quotes from nine of the most popular insurance companies in California. Rates are for a 30-year-old single man with good credit and no accident history who drives a 2015 Honda Civic EX.
Full coverage policies include comprehensive and collision coverage, plus liability limits that exceed the legal requirements for California.
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000 per accident
- Medical payments coverage: $10,000
- Uninsured and underinsured motorist bodily injury: $50,000 per person, $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates came from public insurance company filings and should be used for comparative purposes only. Your own quotes may differ.
California insurance rates in the statewide analysis included both AAA of Northern California and Auto Club of Southern California. However, Auto Club was eliminated from city averages and rankings because it doesn't offer insurance to San Jose residents.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.