GEICO offers the cheapest car insurance in San Jose, with an average minimum-coverage rate of $95 per month. This is based on our survey of providers in the area.
When it comes to full-coverage car insurance in San Jose, GEICO has the cheapest rates, too. The company’s policies cost an average of $109 per month, which is just cheaper than Allstate’s average of $114 per month.
Progressive also offers affordable car insurance policies to San Jose drivers. The provider has the city’s second-cheapest minimum-coverage car insurance ($106 per month) and the third-cheapest full-coverage rates ($124 per month).
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Where can I get the cheapest car insurance in San Jose?
San Jose’s cheapest car insurance rates can be found at GEICO. The company leads the way among minimum-coverage providers, with the average plan costing $1,136 per year, or $95 a month.
Progressive and Allstate offer cheap monthly rates of $106 and $107 to San Jose drivers, respectively. Both of those values are still below the citywide average for minimum-coverage car insurance plans, which is $120 a month.
| Company | Annual rate | Monthly rate |
|---|---|---|
| GEICO | $1,136 | $95 |
| Progressive | $1,275 | $106 |
| Allstate | $1,290 | $107 |
| City Average | $1,440 | $120 |
| Auto Club | $1,446 | $120 |
| State Farm | $1,470 | $123 |
| CSAA | $1,521 | $127 |
| Mercury | $1,547 | $129 |
| Farmers | $1,838 | $153 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
California state law requires drivers to hold a minimum amount of liability car insurance in the event of an accident. Those requirements include:
- $15,000 for the injury or death of one person
- $30,000 for the injury or death of more than one person
- $5,000 for damage to property
Cheapest full-coverage car insurance in San Jose
The cheapest full-coverage car insurance rates in San Jose also come from GEICO. The provider’s average annual policy costs $1,302, or $109 a month. That’s 19% less than the citywide average of $1,612 a year.
Allstate and Progressive train just behind again, with annual rates of $1,371 and $1,484, respectively, for full-coverage car insurance in San Jose. Other options include Auto Club, CSAA and State Farm.
| Company | Annual rate | Monthly rate |
|---|---|---|
| GEICO | $1,302 | $109 |
| Allstate | $1,371 | $114 |
| Progressive | $1,484 | $124 |
| Auto Club | $1,586 | $132 |
| City Average | $1,612 | $134 |
| CSAA | $1,648 | $137 |
| State Farm | $1,743 | $145 |
| Mercury | $1,789 | $149 |
| Farmers | $1,971 | $164 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Full-coverage car insurance usually includes collision and comprehensive coverage, in addition to other protections such as rental coverage, uninsured motorist coverage and coverage for equipment like speakers or navigation systems.
No state requires full coverage, but lessors and lenders sometimes will. Drivers with new or expensive vehicles should also consider it.
Compare rates from top car insurance companies
Cheapest car insurance for drivers with an accident history in San Jose
San Jose drivers with an accident history will find the best and cheapest car insurance rates from CSAA, which offers an average rate of $174 per month for a full-coverage policy.
Auto Club and GEICO offer monthly rates of $198 and $199, respectively. Both of those prices fall beneath the citywide average of $230 per month.
In San Jose, an accident history increases the average full-coverage car insurance rate by 72%, from $134 to $230.
| Company | Annual rate | Monthly rate |
|---|---|---|
| CSAA | $2,084 | $174 |
| Auto Club | $2,370 | $198 |
| GEICO | $2,390 | $199 |
| State Farm | $2,784 | $232 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for drivers with a DUI in San Jose
Mercury offers the most affordable car insurance for San Jose drivers with a DUI. For drivers with one DUI on their record, full-coverage rates cost an average of $247 a month with Mercury.
That rate compares favorably to the city average of $367 a month. In San Jose, having a DUI increases the cost of a full-coverage car insurance plan by 174%, up from $134.
GEICO, Farmers and Progressive all also offer policies below the city average to drivers with a DUI.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Mercury | $2,959 | $247 |
| GEICO | $3,287 | $274 |
| Farmers | $3,473 | $289 |
| Progressive | $3,505 | $292 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for drivers with a speeding ticket in San Jose
The cheapest car insurance for San Jose drivers with a speeding ticket comes from Allstate. Allstate’s rate of $164 per month just edges out GEICO and CSAA, which have average rates of $170 and $174, respectively.
Those averages are for full-coverage policies held by drivers with one speeding ticket on their record. The citywide average is $199 a month.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Allstate | $1,964 | $164 |
| GEICO | $2,045 | $170 |
| CSAA | $2,084 | $174 |
| Auto Club | $2,343 | $195 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Who has the cheapest car insurance in San Jose for teen drivers?
State Farm has the cheapest minimum-coverage car insurance policies in San Jose for teen drivers at an average rate of $224 a month.
GEICO and Allstate follow close behind, with monthly rates of $241 and $255, respectively.
| Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $2,691 | $224 |
| GEICO | $2,898 | $241 |
| Allstate | $3,056 | $255 |
| Mercury | $3,728 | $311 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest full-coverage car insurance for teen drivers in San Jose
State Farm also has the best full-coverage car insurance rates for teens in San Jose. For an 18-year-old with a clean driving record, the provider offers an average monthly rate of $269.
Insurance for teen drivers often costs more than average. For example, San Jose’s average full-coverage rate for teens is $342, which is 155% more than the overall city average.
| Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $3,223 | $269 |
| Allstate | $3,311 | $276 |
| GEICO | $3,402 | $283 |
| Auto Club | $4,225 | $352 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Get cheap car insurance in San Jose
Who has the cheapest car insurance in San Jose for senior drivers?
Senior drivers in San Jose will find the cheapest car insurance rates with GEICO, which charges them $95 a month for a minimum-coverage policy.
Progressive and Allstate follow close behind, with average monthly rates of $106 and $107 for San Jose seniors, respectively. Those still fall below the citywide average for senior drivers, which is $120 a month.
| Company | Annual rate | Monthly rate |
|---|---|---|
| GEICO | $1,136 | $95 |
| Progressive | $1,275 | $106 |
| Allstate | $1,290 | $107 |
| Auto Club | $1,446 | $120 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest full-coverage car insurance for senior drivers in San Jose
GEICO has the cheapest full-coverage insurance for seniors as well. In San Jose, 60-year-old drivers will find an average rate of $109 a month from GEICO.
This price mirrors GEICO’s average rate for San Jose drivers overall. Beyond that, Allstate, Progressive and Auto Club also offer affordable plans.
| Company | Annual rate | Monthly rate |
|---|---|---|
| GEICO | $1,302 | $109 |
| Allstate | $1,371 | $114 |
| Progressive | $1,484 | $124 |
| Auto Club | $1,586 | $132 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
San Jose car insurance requirements
In California, drivers are required by law to carry at least 15/30/5 liability car insurance. That means all policies must include:
- $15,000 for the injury or death of one person
- $30,000 for the injury or death of more than one person
- $5,000 for damage to property
Drivers may also opt for more coverage — either because a lender or lessor requires it, or because their car is new or expensive.
Full-coverage plans typically include collision and comprehensive coverage, and may also feature some of the following:
- Uninsured motorist coverage
- Coverage for medical payments
- Coverage for extra equipment like stereos, GPSs and custom wheels
- Road service and towing coverage
- Rental reimbursement coverage
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every San Jose ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
Minimum-coverage insurance rates are based on a policy meeting California’s minimum requirements for liability car insurance coverage.
Full-coverage policies meet the minimum requirements for liability coverage and include the following additional coverages, limits and deductibles:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- $500 deductible for collision coverage
- $500 deductible for comprehensive coverage
Sources:
Auto insurance by city
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