Average car insurance cost in San Jose, CA

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According to data from Insure.com, the average annual cost of car insurance in San Jose, California is $2,406. The auto insurance rates in San Jose is $10 less than the state average and $511 more than the national average.

Car insurance premiums vary significantly based on where they are filed. Factors such as city demographics, population density and average resident age, accident rates, theft, and vandalism rates will influence the amount of premiums you pay.

This article talks in detail about the most affordable car insurance companies in San Jose, the average car insurance rates by age and gender, and how much car insurance cost in San Jose depending on coverage limits. Whether you’re a new driver or an experienced one, this article will help you to find the most affordable car insurance in San Jose. Keep reading to learn more.

Cheap car insurance companies in San Jose

Geico provides the best value for car insurance in San Jose with coverage limits of 100/300/100, costing $1,749 annually.

A close second is Mercury Insurance, which offers car insurance at $2,069 per year.

Read about the best car insurance companies.

Average car insurance cost in San Jose by coverage limits

In San Jose, the average car insurance rates the coverage levels are as follows:

• State minimum coverage: $554 per year (limits are 25/50/25)
• Liability only coverage: $846 per year (limits are 50/100/50)
• Full coverage: $2,406 per year (limits are 100/300/100)
• Non-owners coverage: $299 per year

In most states, drivers are required to have state minimum coverage to drive legally, although these requirements vary by state. However, it’s important to note that state minimum coverage does not provide coverage for any vehicles listed on your policy in the event of an at-fault accident.

To prevent compromising on coverage and out-of-pocket expenses, it’s advisable to opt for full coverage or non-owner coverage if you frequently borrow or rent a car but do not own one.

Average car insurance rates by gender in San Jose

The average car insurance per year for female drivers in San Jose, California, is $2,406.

Whereas the yearly average car insurance rate for male drivers is $2,406, which is equals to what female drivers pay.

According to the Insurance Information Institute, women are considered to be safer drivers than men, and statistics have proved this. They often enjoy lower auto insurance premiums due to their lower incidence of severe accidents compared to men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in San Jose

In San Jose, car insurance rates are highest for teens, averaging $6,232 per year or $519 per month. According to the Insurance Information Institute, these higher rates for 16- to 19-year-olds are due to their increased likelihood of road accidents due to their lack of driving experience.

Specific teen driving laws have been implemented to help them become better drivers. Additionally, parents can lower teen insurance rates by adding them to their existing auto insurance policy.

As teens grow older and build a positive driving history, their car insurance rates decrease. Young adults usually pay $3,614 annually for their car insurance, which is $2,618 less than what teens pay for their coverage.

In San Jose, adult drivers pay an average of $2,451 per year for car insurance, while senior drivers pay $2,422 annually.

According to the Insurance Information Institute, rates for adults and seniors are significantly lower than for teens and young adults, as they are more likely to obey speed limits and follow road rules.

Read more on auto insurance for seniors.

The table below lists the average annual rates for drivers of different age groups:

Car insurance rate trends in San Jose

Examining car insurance rate trends in San Jose, California, we observe a upward trend from 2022 to 2023. Subsequently, from 2022 to 2023, the rates experienced increase overall, with an increase of 16% or $331.

The table below shows the trend for last four years:

Conclusion

In conclusion, San Jose’s car insurance rates are lower than the average insurance rates in California. Drivers in San Jose can find affordable car insurance options by shopping around and taking advantage of available discounts. Moreover, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.