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How much is car insurance in San Jose?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, it costs slightly less to insure your vehicle in San Jose as it does in the rest of California.
If you're thinking of moving to San Jose from out of state, you may be in luck. The average monthly payment in San Jose is about $27 cheaper than the rate for the rest of the United States.
Although these are the average car insurance rates in San Jose, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
We've broken down average rates for San Jose to help you understand what your policy's monthly premium will cost. If you think you might be overpaying for insurance in your area, enter your ZIP code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. When it comes to your monthly premium, that experience can really pay off. While you might pay close to $150 a month for car insurance when you're a teenager in San Jose, by the time you hit your mid-twenties, that number will likely have dropped to a third of what it was.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, you may see your rates begin to climb back up.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. Male and female drivers in San Jose however, both pay the same monthly amount to insure their car.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In San Jose, drivers with one accident on their record will experience rates around $65 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $76.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$52|
|15 Years or Older||$52|
As you can see in the first table above, the cheapest vehicles to insure in San Jose are by and large trucks and vans.
Monthly premiums for SUV owners cost about $50 on average, while the rates for car owners are around $53.
The average monthly cost for truck and van drivers, however, usually runs about $48.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. In San Jose, however, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$55|
On average, those who are currently married will pay less for their car insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
That difference is about $11 a month in San Jose.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$76|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $5 a month more than if you own your own home in San Jose. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in San Jose, CA
Recent trends in car insurance for San Jose drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding when deciding when and where to shop.
In San Jose, auto insurance rates increased from 2016-2017, when they hit a high of $62. This pattern shifted in 2018, when they began to decrease, and have continued to do so through the present -- when car insurance rates reached a low of $45 per month in 2021.
How does San Jose compare to neighboring areas?
Why are car insurance rates in San Jose different from other areas?
Car insurance companies will take into account many factors when they're choosing how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:
- Rate of car accidents
- Amount of drivers in the area
- Prevalence of crime
- Regional laws
- Access to off-street parking
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in San Jose?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer auto coverage in San Jose.
San Jose Insurance FAQs
What factors affect car insurance quotes in San Jose?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your marital status, credit score, address, and driving record.
Why is the cost of car insurance in San Jose different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in San Jose?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to San Jose?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to San Jose or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.