Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • The cheapest car insurance company in San Jose after a DUI is Liberty Mutual
  • Average car insurance rates in San Jose, CA are $303/month
  • The cheapest car insurance company in San Jose for teen drivers is USAA

Average car insurance rates in San Jose, California are $303 a month. But with a little research you can get a great deal from the top car insurance companies in San Jose, CA. Before you buy San Jose, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare San Jose car insurance rates with Long Beach car insurance rates, San Diego car insurance rates, or San Francisco car insurance rates to make sure you’re getting the best San Jose, CA car insurance quotes available.

Need affordable San Jose, CA car insurance? Enter your ZIP code to compare San Jose car insurance quotes from multiple car insurance companies near you.

San Jose, CA Minimum Car Insurance Coverage

San Jose, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in San Jose, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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San Jose, CA Car Insurance Rates by Coverage Level

Some San Jose drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your San Jose, California car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in San Jose, California

Insurance Company Low Medium High
Allstate $4,008 $4,251 $4,390
Farmers $4,747 $5,126 $5,390
GEICO $2,523 $2,785 $2,955
Liberty Mutual $2,757 $2,981 $3,121
Nationwide $4,318 $4,857 $5,138
Progressive $2,603 $2,965 $3,069
State Farm $3,746 $4,194 $4,440
Travelers $2,896 $3,403 $3,631
USAA $2,427 $2,700 $2,831

San Jose, CA Car Insurance Rates by Age, Gender, and Marital Status

San Jose, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy San Jose, CA car insurance, get quotes from multiple car insurance companies in the San Jose area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in San Jose, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,696 $2,694 $1,982 $1,994 $7,598 $9,560 $3,441 $3,765
Farmers $2,755 $2,755 $2,489 $2,489 $8,823 $14,476 $3,269 $3,645
GEICO $1,703 $1,704 $1,602 $1,602 $5,193 $5,282 $2,448 $2,501
Liberty Mutual $2,228 $2,110 $2,079 $2,014 $4,920 $5,229 $2,514 $2,530
Nationwide $3,337 $3,183 $2,914 $2,745 $8,584 $9,448 $4,003 $3,955
Progressive $1,808 $1,862 $1,525 $1,816 $4,819 $5,816 $2,594 $2,790
State Farm $3,250 $3,250 $2,904 $2,904 $5,984 $7,411 $3,600 $3,714
Travelers $2,461 $2,380 $2,179 $2,156 $5,115 $5,852 $3,205 $3,135
USAA $1,897 $1,797 $1,850 $1,858 $4,324 $4,365 $2,637 $2,492

San Jose, CA Car Insurance Rates for Teens

How much is San Jose, California car insurance for teens? Compare rates from top San Jose car insurance companies below to help find the cheapest teen car insurance in San Jose, CA.

Annual Car Insurance Rates for Teen Drivers in San Jose, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,598 $9,560
Farmers $8,823 $14,476
GEICO $5,193 $5,282
Liberty Mutual $4,920 $5,229
Nationwide $8,584 $9,448
Progressive $4,819 $5,816
State Farm $5,984 $7,411
Travelers $5,115 $5,852
USAA $4,324 $4,365

San Jose, CA Car Insurance Rates for Seniors

Before seniors buy San Jose, California car insurance, they should make sure to shop around. Some San Jose, CA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in San Jose, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,982 $1,994
Farmers $2,489 $2,489
GEICO $1,602 $1,602
Liberty Mutual $2,079 $2,014
Nationwide $2,914 $2,745
Progressive $1,525 $1,816
State Farm $2,904 $2,904
Travelers $2,179 $2,156
USAA $1,850 $1,858

San Jose, CA Car Insurance Rates by Driver History

How does a single speeding ticket affect your San Jose, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in San Jose.

Annual San Jose, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,549 $4,275 $6,700 $3,341
Farmers $3,759 $5,122 $6,382 $5,088
GEICO $1,926 $2,974 $3,729 $2,389
Liberty Mutual $2,564 $3,434 $3,097 $2,716
Nationwide $3,330 $4,266 $7,221 $4,266
Progressive $1,889 $3,203 $3,702 $2,721
State Farm $2,945 $3,512 $6,633 $3,418
Travelers $2,209 $3,594 $4,185 $3,252
USAA $1,763 $2,626 $4,291 $1,931

San Jose, CA Car Insurance Rates With a DUI

Even a single DUI can increase your San Jose, CA car insurance rates. Compare rates below to see which San Jose car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in San Jose, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,700
Farmers $6,382
GEICO $3,729
Liberty Mutual $3,097
Nationwide $7,221
Progressive $3,702
State Farm $6,633
Travelers $4,185
USAA $4,291

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San Jose, CA Car Insurance Rates by ZIP Code

Just like San Jose car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how San Jose, CA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in San Jose, California

ZIP Code Average Annual Rates
95101 $4,870
95110 $5,108
95111 $5,368
95112 $5,156
95113 $5,357
95116 $5,276
95117 $4,867
95118 $4,801
95119 $4,720
95120 $4,753
95121 $5,360
95122 $5,392
95123 $4,838
95124 $4,646
95125 $4,710
95126 $4,990
95127 $5,157
95128 $4,880
95129 $4,646
95130 $4,620
95131 $4,924
95132 $4,943
95133 $5,041
95134 $4,757
95135 $4,936
95136 $4,900
95138 $5,000
95139 $4,770
95141 $4,819
95148 $5,284
95192 $5,346

San Jose, CA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your San Jose, CA car insurance rates may be. Let’s take a look at average car insurance rates from top San Jose companies based on commute time.

Annual Car Insurance Rates by Commute Length in San Jose, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,807 $4,626
Farmers $4,616 $5,559
GEICO $2,502 $3,007
Liberty Mutual $2,713 $3,193
Nationwide $4,209 $5,333
Progressive $2,609 $3,149
State Farm $3,978 $4,275
Travelers $2,976 $3,644
USAA $2,446 $2,859

San Jose, CA Cheapest Car Insurance Rates

How do the top San Jose, California car insurance companies’ average rates stack up against the San Jose average monthly car insurance rates of $303? Take a look and see.

Best Annual Car Insurance Rates by Company in San Jose, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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San Jose, CA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top San Jose, California car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in San Jose, California

Insurance Company Average Annual Rates
Allstate $4,216
Farmers $5,088
GEICO $2,754
Liberty Mutual $2,953
Nationwide $4,771
Progressive $2,879
State Farm $4,127
Travelers $3,310
USAA $2,653

Other Factors Affecting San Jose, CA Car Insurance Rates

Before you buy San Jose, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

San Jose, CA Car Theft Rates

The car theft rate in San Jose, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for San Jose, California is 7,704 stolen cars.

San Jose, CA Commute Time

How does your San Jose, CA commute time compare with the average driver? In San Jose, the average commute is 30.9 minutes.

San Jose, CA Car Insurance Quotes

Compare San Jose, CA car insurance quotes from multiple companies by entering your ZIP code now.