San Jose, CA Auto Insurance Rates

San Jose, CA residents can save $550 by comparing multiple quotes & reading reviews & research on San Jose car insurance rates, quotes, agents & coverage.

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LowestAverageHighest
$969 $1,377 $2,125
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Progressive Insurance, San Jose, CA
$102/1 month
Car Insurance Policy Holder
  • Married 48 Years old Male licensed 26 years ago with Own Scion xD used for Business with estimated annual mileage of 15,001 - 20,000.
  • bachelors degree & Freelancer.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 5 K Property Damage
  • 50 K Personal Injury Protection
  • 25 K Uninsured Motorists Bodily Injury
  • 50 K Uninsured Motorists Property Damage

Latest Auto Insurance Reviews

Cars with the lowest insurance rates and median prices in San Jose, California

San Jose is one of the cities with affordable auto insurance rates for most cars. At $1471, San Jose’s annual average insurance rate is lower than the national average rate by $25 and lower than the state average by $348. Auto insurance rates range between $1262 and $1509 in San Jose. The median price of most cars is inversely proportional to the average insurance rates. The higher the median price, the lower are the insurance rates, and vice versa.

The table below lists the cars with the lowest insurance rates.

Make Model Year Range Average Annual Insurance Rate ($) Median Price ($) Percentage of median price spent on insurance ($)
Honda Accord 2005 - 2012 1,262 16,791 7
Honda CR-V 2005 - 2012 1,268 15,991 7
Toyota Camry 2005 - 2012 1,310 18,988 6
Toyota Corolla 2005 - 2012 1,377 15,988 8

If you are looking to limit your overall costs, the Honda CR-V is a great option, since both its median price and average insurance rates are low.

Let us compare the above table with the table below. The table below lists the cars with the highest insurance rates in San Jose.

Make Model Year Range Average Annual Insurance Rate ($) Median Price ($) Percentage of median price spent on insurance ($)
Honda Civic 2005 - 2012 1,509 15,909 9
Nissan Altima 2005 - 2012 1,491 15,999 9
Ford F-Series 2005 - 2012 1,401 21,988 6
Chevrolet Silverado 2005 - 2012 1,378 25,000 5

The Honda Civic has the lowest median price in San Jose, but it has the highest insurance costs. The Nissan Altima, too, has a low median price. However, it has high insurance costs.


One of the ways to lower overall costs is to buy your vehicle from a state where the median price is much lower than it is in your home state. The Honda CR-V, for example, is available for a median price of $10,000 in Nashville, Tennessee. Even if you add shipping charges and auto transport insurance charges, you will end up saving a couple of thousand dollars.

San Jose Car Insurance Rate Comparisons

San Jose, CA's average car insurance of $1377 differs from Santa Clara, CA (-$132), Alum Rock, CA (+$233), Cambrian Park, CA (+$1153) and California (+$442)

San Jose Santa Clara, CA Alum Rock, CA Cambrian Park, CA California
Median Insurance Rates $1377 -$132 +$233 +$1153 +$442

San Jose Car Insurance Savings By Neighborhood & Street Area

San Jose Driver Street Residence & Car Locations Car Details in San Jose San Jose Driver Demographics San Jose Auto Insurance Estimates Recent San Jose Insurance Savings
Alamitos
New Ireland Ct2006 Ford Fusion V6 SEL17 year female teenager$2,727$702
Muirhouse Pl2004 Buick Rendezvous CXL18 year male teenager$3,014$502
Greenmeadow
San Antonio Way2007 Jeep Commander Sport67 year female senior$1,293$608
Lundy Ln2002 Chevrolet Silverado 2500HD Base31 year man$1,640$413
Saint Francis
Sevyson Ct2006 Chrysler 300 C72 year male senior$1,419$394
Stockton Pl2008 Acura TSX Base26 year woman$1,307$463
Monroe Park
Montelena Ct2008 Mazda Speed 319 year teenager$2,873$800
Silva Ct2010 Lincoln MKZ Base54 year married man$1,668$874
Ranchero Thunderbird Mobile Home Court
Dahlia Dr2014 Volkswagen Jetta S79 year senior$1,392$930
Gardenia Way2011 Nissan Rogue S28 year married woman$1,232$592

San Jose Post DUI Car Insurance Rates

San Jose Newark Lexington Hills Los Gatos California
Median Post DUI Insurance Rate $2561 -$50 +$1940 -$272 +$822
Male Teenager Post DUI Insurance Rate $5581 -$108 +$4230 -$591 +$1793
Female Teenager Post DUI Insurance Rate $5557 -$110 +$4209 -$589 +$1784

The Post DUI insurance in San Jose, CA's is $2561 compared to Newark (-$50), Lexington Hills (+$1940), Los Gatos (-$272) and California (+$822)

In San Jose, a male teenager with Post DUI pays $24 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2007 Jeep Commander Sport in San Jose, CA would pay $4856 on auto insurance while a female teenager POST DUI would pay $4834.

San Jose Car Insurance by Segment

San Jose Teenagers Car Insurance Rates Comparison

104647 San Jose Teenagers (6% of total population), 52% Male & 48% Female.

San Jose Sunnyvale Saratoga Palo Alto California
All Teenagers $3001 -$281 -$329 -$346 +$964
Male Teenager $3001 -$281 -$329 -$346 +$964
Female Teenager $2988 -$280 -$328 -$345 +$959

San Jose teenagers pay $3001 in insurance in contrast with Sunnyvale (-$281), Saratoga (-$329), Palo Alto (-$346) and California (+$964). The difference between Male & Female teenagers in San Jose is $13

Example

  • 2013 Dodge Journey SXT Male Teenager Insurance Rate $3,163
  • 2013 Hyundai Sonata GLS Female Teenager Insurance Rate $2,936

San Jose Men & Women Car Insurance

1666871 San Jose Adults (100% of total population), 50% Men & 50% Women.

San Jose Palo Alto Santa Clara County Los Altos Hills California
All Women $1335 -$154 +$973 +$954 +$429
Married Women $1294 -$150 +$943 +$924 +$415
All Men $1748 -$202 +$1274 +$1249 +$562
Married Men $1666 -$193 +$1213 +$1189 +$534

The typical insurance rate of $1748 that San Jose Men pay varies from Palo Alto (-$202), Santa Clara County (+$1274), Los Altos Hills (+$1249) and California (+$562). In San Jose, married men pay $372 more than married women.

Example

  • 2013 Toyota Prius Married Men Insurance Rate $1,858
  • 2014 Kia Sorento LX Married Women Insurance Rate $1,470

San Jose Senior Car Insurance

263093 San Jose Seniors (15% of total population), 45% Senior Men & 55% Senior Women.

San Jose Loyola West Santa Clara Mountain View California
All Seniors $1459 +$1127 +$1201 -$200 +$469
Senior Men $1432 +$1105 +$1178 -$197 +$459
Senior Women $1487 +$1148 +$1223 -$204 +$477

San Jose seniors pay $1459 in insurance compared to Loyola (+$1127), West Santa Clara (+$1201), Mountain View (-$200) and California (+$469). In San Jose, senior men pay $55 less than senior women.

San Jose Car Insurance Discounts for Multiple Vehicles

San Jose Population with 1 Vehicle 165258 (29% of San Jose population), 2 Vehicles 233824 (41% of the San Jose population) and 3 vehicles 91852 (16% of the population)

San Jose Palo Alto Lexington Hills Los Altos Hills California
2 Vehicles $2617 -$302 +$1981 +$1867 +$840
3 Vehicles $3994 -$461 +$3024 +$2850 +$1282
4 Vehicles $5371 -$620 +$4067 +$3833 +$1724

Car Insurance Agents in San Jose, CA

Rank Agent Name Agent Contact
1 AAA 5340 Thornwood Dr, San Jose, CA
2 AAA 5291 Prospect Rd, San Jose, CA
3 AAA 900 Miramonte Ave, San Jose, CA
4 AAA 5120 Stevens Creek Blvd, San Jose, CA
5 Aaron Sessions - State Farm Insurance Agent 3001 Winchester Blvd, San Jose, CA
6 ABD Insurance & Financial Services 5448 Thornwood Dr, San Jose, CA 95123
7 Adesh Kumar 2858 Stevens Creek Blvd Ste 205, San Jose, CA 95128
8 Affinity Risk Management & Insurance Solutions 1818 Tully Rd Ste 162a, San Jose, CA 95122
9 AJ Abdelkhalek - State Farm Insurance Agent 771 E El Camino Real, San Jose, CA
10 Akin-Dequine Farmers Insurance 6472 Camden Ave, San Jose, CA

Find the Cheapest auto insurance in San Jose, CA