Best Car Insurance Rates in San Jose, California

On average your neighbors pay $90 a month.

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San Jose, California is known as the capital of Silicon Valley. If you’re in the capital of Silicon Valley, it makes sense that you’d use the internet to request cheap car insurance quotes.

Average San Jose Car Insurance Rates

How much is car insurance in San Jose, CA? It shouldn’t come as a huge shock that car insurance rates in San Jose are higher than both the state and national averages. The city has some of the nation's worst traffic congestion and highest vehicle theft rates. This puts upward pressure on insurance premiums. The average cost of car insurance in San Jose is $1,066.19 a year for men and $1,078.48 for women. The average cost of auto insurance in California is $841.45 a year. The national average cost is $889.01.

Prices vary depending on your driving history and the total number of insurance claims filed in your zip code.

San Jose Average Annual Car Insurance Rates
Coverage Men Women
Liability $496.76 $510.83
Collision $492.78 $492.67
Comprehensive $76.65 $74.99
Total Cost Per Year $1,066.19 $1,078.48
Price Per Month $88.85 $89.87
These average rates are based on our sample quote data. 1

The graph below shows the most recent year California's rate data is available. According to the III, California car insurance rates increased from $740 in 2011 to $841 in 2015, a jump of $101, or 13.66 percent.

California average car insurance rates

QuoteWizard helps consumers compare quotes from national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near San Jose, California and save up to 40% on your premium.

Last year, 14,580 people used QuoteWizard to compare auto insurance quotes in San Jose, CA from multiple companies to find the lowest rates.

Best Car Insurance Companies in San Jose, CA

This is our list of the most common car insurance companies reported by QuoteWizard users in San Jose, California last year. Of these users, 1,663 were uninsured when they requested a quote.

Other popular San Jose car insurance companies: Nationwide, MetLife, Safeco, 21st Century, Country Financial, Allied, American Family, Infinity, and USAA.

Top 10 Vehicles

These are the most common car makes and models owned by San Jose, CA drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord EX/LX
  2. Honda Civic LX/EX
  3. Toyota Prius
  4. Toyota Camry LE/XLE/SE
  5. Ford F150
  6. Ford Mustang
  7. Toyota Corolla CE/LE/S
  8. BMW 328i
  9. Toyota Rav4
  10. Acura MDX

Minimum Car Insurance Requirements in San Jose, CA

San Jose, California drivers are required follow the 15/30/5 minimum liability coverage rule. This rule states that drivers must maintain policies that include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The total amount your insurance carrier will pay for one person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The most your insurance company will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The maximum your insurer will pay for property damage caused by a car accident.

San Jose Drivers

Allstate publishes an annual report entitled “America’s Safest Drivers”. This report ranks the 200 most populous US cities based on the frequency of accidents. San Jose, CA ranked 162nd out of 200. Most US drivers go ten years without having an accident. However, drivers in the South Bay are involved in crashes every 7.3 years. This is 37% higher than the national average.

Out of the 14,580 local drivers that used QuoteWizard to request quotes last year, 1,296 or 8.8% said that they had incidents on their driving record.

Driving Conditions

Factors that affect your car insurance rates are the weather and road conditions.


San Jose enjoys a Mediterranean climate, with temperatures seldom getting too hot or too cold. The average high temperature during the summer months is only about 80 degrees, and the average lows in the winter seldom dip below 40 degrees. It almost never freezes or snows. It’s also dry, with an average of 301 sunny days every year and only 61 days with measurable precipitation, most of which occur in the winter.

Road conditions

Unlike the pleasant weather, the condition of San Jose roads is an impediment to safe driving. According to a recent study by TRIP, 64 percent of the major roads here have pavement in poor condition. Another 18 percent of the roads are mediocre. These poorly maintained streets are costing San Jose drivers $983 a year in extra vehicle operating costs. These additional operating costs are a direct result of driving on rough roads that can damage cars.

Traffic Congestion

According to TomTom's annual traffic index report, San Jose ranks fifth for worst traffic congestion in the United States. An average commuter spends an additional 40 minutes per hour stuck in traffic during peak commute times and 152 hours a year for commutes of 30 minutes.

Moving Violations

Tickets and accidents go on your driving history. If you get enough violations on your record, your insurance company may change your status from preferred to non-standard. This category reserved for high-risk drivers and it's not cheap.

Traffic Tickets

The Superior Court of California County of Santa Clara traffic website allows residents to pay traffic tickets, tells drivers how to contest tickets, and provides helpful traffic court information.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Get a quote and compare rates from local agents and top companies that specialize in San Jose DUI insurance.

Traffic Fatalities

San Jose experienced 60 motor vehicle fatalities in 2015. This works out to a fatality rate of 3.89 per 100,000 residents. Unlike vehicle thefts, vehicular fatalities here are relatively uncommon.

Vehicle Theft Rates

San Jose Police recorded 7,075 vehicle thefts in 2016. This is a rate of 6.89 per 1,000 city residents. This is an extremely high theft rate compared to most US cities, and it leads to higher insurance premiums.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower your rates. These are some of the many auto insurance discounts available to drivers in San Jose, CA.

  1. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  2. Maintain at least a B grade point average in school to get the good student discount
  3. Live in a safe neighborhood with low crime and good drivers because the number of insurance claims filed in your zip code can affect your rates
  4. Drive less by living close enough to work and qualify for the low mileage discount
  5. Bundle your auto policy with your homeowners or renters insurance and you could save as much as 20%
  6. Take a defensive driving course from an accredited driving school

Rate Methodology

1 We compared rates from three different insurance companies for 30-year-old male and female drivers with a 2010 Honda Accord. Our rate profiles have a clean driving record and drive less than 10,000 annual miles. Coverage includes state liability minimum of 25/50/10 and 25/50/10 underinsured motorist coverage. Policies also include $10,000 personal injury protection and a $500 comprehensive and collision deductible.

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