Cheapest car insurance companies in San Jose
A recent data analysis by Insurance.com found the cheapest car insurance companies are Geico and Mercury Insurance in San Jose for 2023.
Geico offers the cheapest car insurance premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. for San Jose drivers at an annual rate of $1,749 a year, on average.
The cost of car insurance in San Jose varies depending on your ZIP code, driving history, coverage level, and carrierAn insurance carrier is the company that provides your car insurance policy and pays claims.. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.
Here’s a list of insurance companies offering affordable premiums to drivers in San Jose.
| Companies | Average annual rates |
|---|---|
| Geico | $1,749 |
| USAA | $1,830 |
| Mercury Insurance | $2,069 |
| Progressive | $2,179 |
| Allstate | $2,411 |
| Travelers | $2,412 |
| Kemper Insurance | $2,478 |
| Auto Club Enterprises (AAA) | $2,498 |
| CSAA Insurance (AAA) | $2,532 |
| State Farm | $2,702 |
| Nationwide | $3,005 |
| Farmers | $3,007 |
Cheapest car insurance cost in San Jose by Age Group
USAA stands out as San Jose's cheapest auto insurance company for teen drivers at an average annual of $4,013. Insurance providers classify teenagers as high-risk drivers, and that's why they typically face increased insurance costs compared to other age groups.
However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.
Among the carriers analyzed, Geico is the cheapest car insurance option for young drivers in San Jose, at $2,305 a year for a full coverage policy.
For San Jose drivers entering their 30s, car insurance becomes significantly more affordable compared to their younger years. Geico provides the cheapest car insurance premiums, offering full coverage policies at $1,765 annually.
San Jose senior drivers seeking affordable car insurance should look no further than Geico. It offers the cheapest car insurance rates for seniors, with an average annual premium of $1,766. It makes Geico a good choice for seniors who want to save money without sacrificing coverage.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| USAA | $4,013 | $2,483 | $1,877 | $1,843 |
| Geico | $4,406 | $2,305 | $1,765 | $1,766 |
| State Farm | $4,912 | $3,500 | $2,701 | $2,232 |
| Travelers | $5,224 | $3,359 | $2,437 | $2,432 |
| Mercury Insurance | $5,226 | $3,489 | $2,125 | $2,110 |
| Allstate | $5,316 | $3,132 | $2,375 | $2,210 |
| Auto Club Enterprises (AAA) | $6,406 | $3,887 | $2,582 | $2,439 |
| Farmers | $6,520 | $4,296 | $3,052 | $2,939 |
| Progressive | $6,563 | $3,637 | $2,180 | $2,418 |
| Kemper Insurance | $7,510 | $4,323 | $2,763 | $3,258 |
| CSAA Insurance (AAA) | $8,393 | $3,911 | $2,528 | $2,584 |
| Nationwide | $10,436 | $5,165 | $3,036 | $2,891 |
Cheapest car insurance companies in San Jose by driver profile
When determining car insurance rates in San Jose, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.
It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in San Jose that suits your budget.
Here are some of the cheapest car insurance companies in San Jose based on driver profile.
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: USAA
- Cheapest for DUI: Progressive
Cheapest for drivers with a speeding ticket: USAA
USAA has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in San Jose. Its full coverage car insurance policy costs an average of $1,852 per year for drivers aged 30.
Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.
| Company | Average annual premium |
|---|---|
| USAA | $1,852 |
| Geico | $2,393 |
| Progressive | $2,633 |
| Travelers | $3,013 |
| Nationwide | $3,506 |
| Allstate | $3,583 |
| State Farm | $3,766 |
| Farmers | $3,860 |
Cheapest auto insurance after an at-fault accident: USAA
If you've had an accident, USAA might be your best bet for affordable auto insurance.
For San Jose drivers with an at-fault accident, USAA offers the cheapest average annual rate at $2,357. It's a great option if you're looking for affordable coverage that won't break the bank.
After an accident, your insurance rates are likely to go up. Finding a provider with competitive rates can help you minimize the financial impact.
| Company | Average annual rates |
|---|---|
| USAA | $2,357 |
| Progressive | $2,993 |
| Geico | $3,280 |
| Travelers | $3,369 |
| Nationwide | $3,736 |
| State Farm | $4,235 |
| Farmers | $4,306 |
| Allstate | $5,537 |
Cheapest auto insurance after a DUI: Progressive
Among the carriers analyzed, Progressive offers the cheapest auto insurance premiums for drivers with a DUI in San Jose. On average, its annual full coverage rate is $3,550, making it a significantly cheaper option than other insurance providers.
If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers.
| Company | Average annual rates |
|---|---|
| Progressive | $3,550 |
| Geico | $4,127 |
| USAA | $4,707 |
| Farmers | $5,012 |
| Travelers | $5,737 |
| Nationwide | $6,710 |
| Allstate | $9,620 |
| State Farm | $11,940 |
Average car insurance cost in San Jose
The average car insurance rate in San Jose for full coverage is $2,406 per year or $201 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in San Jose is $554 per year.
While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.
| Average annual Rates | State minimum average |
|---|---|
| $2,406 | $554 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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