GEICO, CSAA and National General are San Jose's most affordable car insurance providers. Rates depend on your driving history and coverage level. The table below shows costs across common categories and highlights the most affordable option for each.
Cheapest Car Insurance in San Jose, CA
Updated: December 24, 2024
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Key Takeaways
GEICO, CSAA, Progressive, Kemper and Mercury offer the most affordable car insurance options in San Jose.
The lowest monthly rates are $32 for minimum coverage and $89 for full coverage.
On average, residents pay $52 monthly for minimum coverage and $127 for full coverage.
Why Trust MoneyGeek? We analyzed car insurance companies using the California Department of Insurance and Quadrant Information Services data. Learn more.
Cheapest Car Insurance Rates and Companies in San Jose
| GEICO | Minimum Coverage | $32 |
| GEICO | Full Coverage | $89 |
| GEICO | Teens | $163 |
| GEICO | Young Adults | $37 |
| GEICO | Senior Drivers | $31 |
| GEICO | Drivers With a Speeding Ticket | $48 |
| National General | Drivers With a DUI | $51 |
| CSAA | Drivers With an Accident | $49 |
| GEICO | Military Affiliated Drivers | $32 |
Cheapest Car Insurance Coverage in San Jose
Compare rates from different providers to find the cheapest car insurance in San Jose. Factors like age, driving history, vehicle type and coverage needs affect costs. While you may find the cheapest car insurance in California, it's not always the lowest in San Jose. Comparing car insurance quotes helps you find affordable coverage that fits your needs.
Cheapest Minimum Coverage Car Insurance in San Jose
GEICO offers the most affordable minimum coverage car insurance in San Jose at $32 monthly, followed by CSAA at $39. The table below lists providers offering the best rates for minimum coverage.
| GEICO | $32 | $20 |
| CSAA | $39 | $12 |
| Progressive | $41 | $10 |
| Kemper | $42 | $9 |
| Mercury | $44 | $8 |
| State Farm | $45 | $7 |
| Capital Insurance Group | $47 | $5 |
| National General | $48 | $3 |
| Farmers | $49 | $2 |
| State National | $50 | $1 |
Cheapest Full Coverage Car Insurance in San Jose
GEICO offers the cheapest full coverage car insurance in San Jose at $1,068 annually. Check the table below to see which providers offer the best rates.
| GEICO | $89 | $38 |
| Progressive | $92 | $35 |
| National General | $105 | $22 |
| Mercury | $111 | $16 |
| Capital Insurance Group | $113 | $14 |
| Hartford | $116 | $11 |
| State National | $117 | $10 |
| Kemper | $118 | $9 |
| State Farm | $120 | $7 |
| CSAA | $121 | $6 |
| Allstate | $124 | $3 |
Cheapest Car Insurance in San Jose by Age
San Jose's car insurance rates aren't based on age. Instead, driving history and vehicle type matter. This means you have more control over what you pay.
Cheapest Car Insurance in San Jose for Teens
For teens in San Jose, Travelers, GEICO, State Farm and Allstate offer the most affordable minimum coverage car insurance. The table shows the lowest rates for teen drivers in the city.
| GEICO | $163 | $85 | $253 | $41 |
| State Farm | $178 | $70 | $203 | $92 |
| Allstate | $210 | $39 | $239 | $56 |
| Capital Insurance Group | $244 | $4 | $242 | $53 |
Cheapest Car Insurance in San Jose for Young Adults
GEICO offers the cheapest car insurance for young adults in San Jose at $444 annually for minimum coverage, which is 41% less than the city average. Other affordable options include CSAA, Progressive and State Farm.
| GEICO | $37 | $26 |
| CSAA | $40 | $23 |
| Progressive | $49 | $14 |
| State Farm | $51 | $12 |
| Capital Insurance Group | $53 | $11 |
| Mercury | $55 | $8 |
| Farmers | $58 | $5 |
| State National | $59 | $4 |
| National General | $60 | $3 |
Cheapest Car Insurance in San Jose for Seniors
GEICO offers the cheapest car insurance for seniors in San Jose at $372 annually for minimum coverage. Explore the options below from other providers and find the best rates for senior drivers.
| GEICO | $31 | $20 |
| State Farm | $34 | $17 |
| Progressive | $42 | $10 |
| CSAA | $43 | $8 |
| Mercury | $45 | $6 |
| Capital Insurance Group | $45 | $6 |
| Hartford | $47 | $4 |
| Kemper | $49 | $3 |
| State National | $49 | $3 |
| National General | $50 | $1 |
| Farmers | $51 | $0 |
Cheapest Car Insurance in San Jose After a Driving Offense
Insurance companies assess risk when setting car insurance premiums; your driving record is key. Violations like speeding tickets, accidents or DUIs can raise your rates significantly. Even the cheapest options for drivers with violations cost more than for those with clean records. Below, we’ve listed affordable providers to help you find cheap car insurance after an accident or other driving offenses.
Cheapest Car Insurance in San Jose After a DUI
Affordable car insurance in San Jose is possible for drivers with a DUI. National General offers the cheapest minimum coverage at $612 annually. Check the table below to explore options from other providers and find the best rates for drivers with a DUI in the city.
| National General | $51 | $70 |
| Mercury | $71 | $50 |
| GEICO | $75 | $45 |
| Capital Insurance Group | $82 | $39 |
| Farmers | $84 | $37 |
| Progressive | $88 | $33 |
| Kemper | $96 | $25 |
| Travelers | $118 | $2 |
Cheapest Car Insurance in San Jose After an Accident
CSAA offers the most affordable minimum coverage car insurance for drivers with an at-fault accident record in San Jose at $588 annually. The table below provides options for the best car insurance company with the most affordable rates.
| CSAA | $49 | $33 |
| Capital Insurance Group | $55 | $27 |
| GEICO | $57 | $25 |
| Farmers | $67 | $15 |
| State National | $71 | $11 |
| State Farm | $71 | $11 |
| National General | $73 | $9 |
| Hartford | $78 | $4 |
| Mercury | $78 | $3 |
| Progressive | $81 | $1 |
Cheapest Car Insurance in San Jose After a Ticket
GEICO offers the most affordable car insurance for drivers with a speeding record in San Jose at $576 annually for minimum coverage. Check the table below to explore options from other providers and find the best car insurance with affordable rates.
| GEICO | $48 | $24 |
| CSAA | $49 | $23 |
| National General | $51 | $21 |
| Capital Insurance Group | $52 | $20 |
| Kemper | $56 | $16 |
| Mercury | $56 | $16 |
| Farmers | $67 | $5 |
| State Farm | $68 | $4 |
| State National | $71 | $1 |
Cheapest Car Insurance in San Jose for Military Drivers
Military drivers, including active-duty members, veterans and their families, often find special discounts and competitive rates on car insurance. GEICO has the cheapest car insurance for military drivers in San Jose at $384 annually for minimum coverage, while USAA provides a rate of $420.
| GEICO | $32 | $19 |
| USAA | $35 | $15 |
| CSAA | $39 | $11 |
| Progressive | $41 | $9 |
| Kemper | $42 | $8 |
| Mercury | $44 | $7 |
| State Farm | $45 | $6 |
| Capital Insurance Group | $47 | $4 |
| National General | $48 | $2 |
| Farmers | $49 | $1 |
| State National | $50 | $0 |
Car Insurance Quotes in San Jose
The estimated car insurance rates outlined above offer San Jose drivers a glimpse into potential premium costs, serving as a valuable starting point for those seeking affordable options. However, because insurers consider individual factors when calculating costs, obtaining quotes is essential for an accurate estimate of actual car insurance expenses.
Compare San Jose Car Insurance Estimates Online
Since each insurer calculates car insurance premiums differently, the only way to find the most affordable rate is by comparing quotes from multiple providers. In San Jose, I can quickly obtain several quotes by entering basic personal information on MoneyGeek, allowing me to find the best deal in minutes.
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Rates updated:
Dec 24, 2024
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Car Insurance Agencies in San Jose
While comparing car insurance quotes online is efficient for finding affordable coverage, residents seeking personalized service should contact local agencies for specific needs. For example, GEICO offers a monthly rate of $32, significantly lower than the city average. Top agency names, reviews, and contacts are listed below.
How Much Does Car Insurance Cost in San Jose?
The average annual cost of full coverage car insurance in San Jose is $1,524. Minimum coverage is cheaper, averaging $624. These averages are for a 40-year-old with good credit and a clean driving record; your rate may differ.
San Jose Auto Insurance Cost by Driver Profile
See how your auto insurance compares with our summary table of average costs for different drivers. Compare and find affordable rates in your area.
| Teen Drivers | No Data | $295 |
| Young Adults | $63 | $158 |
| Senior Drivers | $51 | $123 |
| Drivers With Bad Credit | No Data | No Data |
| Drivers With a Speeding Ticket | $72 | $179 |
| Drivers With a DUI | $121 | $303 |
| Drivers With an Accident | $82 | $202 |
| Military Affiliated Drivers | $51 | $125 |
How Expensive Is Car Insurance in San Jose?
Car insurance in San Jose is more affordable than California's average. For minimum coverage, you'll pay about 10% less in the city at $52 monthly. Full coverage also costs less, around 8% cheaper, at $127 monthly.
| City Avg Rate | $52 | $127 |
| State Avg Rate | $58 | $138 |
| vs State Avg Rate | $6 | $11 |
Car Insurance Requirements in San Jose
California law requires drivers to carry minimum coverage auto insurance, including specific limits for bodily injury liability and property damage liability to ensure financial responsibility.
The state's minimum coverage limits are:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
A California auto insurance policy helps cover the costs of accidents, with liability coverage paying for damage or injuries the policyholder is responsible for when at fault.
For example, if you're responsible for an accident that injures another person, your bodily injury liability coverage would pay up to $15,000 for medical expenses. Adequate coverage protects your finances.
If you need SR-22 insurance in San Jose, maintain at least the minimum liability insurance to drive legally.
Cheapest Car Insurance in San Jose: Bottom Line
San Jose's most affordable car insurance varies by driving history and vehicle type. GEICO and CSAA often have the best rates. To get a great deal, always compare quotes from different companies.
Cheap San Jose Car Insurance: FAQ
MoneyGeek answers frequently asked questions about affordable car insurance in San Jose, helping you find the best coverage for your needs.
What is the cheapest car insurance company in San Jose, California?
The cheapest car insurance company in San Jose, California, is typically GEICO, with average annual rates of $384 for minimum coverage and $1,068 for full coverage. Rates vary based on driving history and coverage needs, so it's best to compare quotes.
What is the average cost of car insurance in San Jose, California?
The average annual cost of car insurance in San Jose, California, is $1,524 for full coverage, while minimum coverage averages $624.
Is car insurance in San Jose, California, expensive?
In San Jose, California, car insurance is slightly more affordable than the state average. The city's minimum coverage costs around $52 monthly, saving drivers $6 compared to the state average of $58. For full coverage, San Jose's average is $127 monthly, which is $11 less than the state average of $138.
How We Chose the Cheapest Car Insurance in San Jose, CA
To help San Jose drivers find the most affordable auto insurance companies, MoneyGeek analyzed San Jose auto insurance rates based on data from the California Department of Insurance and Quadrant Information Services.
San Jose Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in San Jose with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We adjusted certain factors — such as age, driving record, credit history and military affiliation — to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in San Jose
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in California are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.