Find the Cheapest Car Insurance Quotes in Your Area
The City of San José, the “Capital of Silicon Valley”, is one of the California’s most populous cities and home to over 400,000 drivers. Car owners in San Jose pay an average of $1,989 annually per for auto insurance. This is 4% lower than the California state average. As of 2019, insurance prices in the city go as high as $3,900 and as low as $935, depending on your chosen insurance company. Check out the rest of this guide to learn about how insurance prices vary, and what are the legal requirements for drivers here.
Auto insurance premiums in San Jose, for our sampled driver profile, are around $1,989. The companies offering the lowest prices in the city were Metromile and Everest National. On the other hand, Viking tended to provide quotes that were among the most expensive of the ones we surveyed. Keep in mind that our analysis did no include prices for those that choose to bundle their insurance products with homeowners or renters insurance. If you are shopping for multiple policies, we recommend exploring all available discounts.
Average Car Insurance Premium
Horace Mann Prop and Cas
Government Employees Ins Co
CSAA Insurance Exchange
Pacific Property & Casualty
Nations Ins. Co.
United Financial Cas (Progressive)
Federal Ins (CHUBB)
While the table above provides you with a sampling of the San Jose’s auto insurers, we recommend consumers obtained several quotes before settling on one. Auto insurance is a complex product and things like your zip code, driving record and car model can heavily sway the price you pay. However, the above listing should give you a sense of which companies will generally be cheaper than the rest of the pack.
The Cheapest Cars to Insure in San Jose
In our survey of auto insurance rates in San Jose, we were also interested to learn which types of vehicles paid cheaper insurance premiums. You can find the results of our survey below. As you can see, Toyota Highlanders tended to be the cheapest car to insure in San Jose, while BMWs and Honda Accords were the most expensive.
Avg. Annual Insurance Premium
Keep in mind that the type of vehicle you own isn’t what moves your prices the most. Instead, your history as a driver and where you live are what will be far bigger factors. For example, if you live in an area where your car is more likely to be stolen, or if you’re under the age of 25, your car insurance premiums will skyrocket. However, most drivers have little to no control over these factors (you can’t change your age to lower your car insurance premiums!) Up until recently gender also played a role in car insurance quotes. However, California banned the use of gender for setting these prices.
Minimum Auto Insurance Requirements in San Jose
Drivers living in San Jose are required to maintain a minimum amount of auto insurance at all times. This mandate, which is part of state law, aims to protect all drives on the road. If uninsured motorists were to run rampant, and get into accidents, victims of accidents may find themselves with no recourse to pay for their medical bills or to get the cash to replace their lost or damaged property. Most states put these requirements on all drivers, so that some liability is accounted for by anyone that hits the road.San Jose Minimum Liability Insurance Requirements for Private Passenger Vehicles:
$15,000 for injury/death to one person.
$30,000 for injury/death to more than one person.
$5,000 for damage to property.
It’s prudent to get insurance coverage beyond these state mandated minimums. You should aim to cover at least as much as your total net worth. This insures that, in the event of an accident that results in a lawsuit, your assets are protected. Otherwise, if you’re sued for an amount higher than your minimum coverage, and you have personal assets beyond that, you will be liable for those charges. Consider your financial situation, and if possible, get higher coverage limits.
How We Collected Rates
In obtaining data for this study, we sought out insurance quotes for a model driver. Keeping that constant, we then proceeded to compare San Jose car insurance quotes across 44 companies, and different vehicle types. After obtaining dozens of quotes and crunching the numbers, we came to the conclusions outlined in this guide. Note that the price you will be quoted may be different from the data we display here. However, we believe that the relative differences between companies and vehicle types will largely remain unchanged.