Where To Get Cheap Car Insurance in San Jose
Best cheap car insurance companies in San Jose
Cheapest full coverage car insurance in San Jose: Geico
At $1,359 a year, Geico has the cheapest full coverage car insurance quotes in San Jose, California. This is 30% lower than the city average of $1,947 a year.
USAA comes in second, with an average rate of $1,541 a year. Only current and former members of the military and their families can buy car insurance from USAA, however.
Mercury is the second-cheapest company for most San Jose drivers, with rates of around $1,689 a year for full coverage policies.
Full coverage insurance quotes by company
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Geico | $1,359 |  |
 | Mercury | $1,689 |  |
 | Progressive | $1,734 |  |
 | AAA SoCal | $1,921 |  |
 | Allstate | $1,924 | |
 | State Farm | $2,112 |  |
| AAA NorCal | $2,113 | |
 | Farmers | $3,132 | |
 | USAA* | $1,541 | |
It’s always a good idea to compare car insurance quotes from several companies before you renew or buy a policy, but it’s a great one in cases like this. That’s because companies look at many factors to come up with your quote, like your age, the vehicle you drive and your insurance history.
In other words, though we found Geico to have the cheapest full coverage quotes in San Jose, Mercury or USAA may actually be cheaper for you based on your specific factors.
San Jose’s best cheap liability car insurance: Geico
Geico also has San Jose’s cheapest liability car insurance, with rates that average $459 a year. This is 32% cheaper than the city average of $679 a year.
AAA NorCal is second this time, at $593 a year. Although Progressive comes in third, with rates of around $642 a year, you could make it a lot cheaper if you qualify for some of its many discounts.
With Progressive, you can save money by bundling auto and home insurance policies, insuring more than one vehicle, owning a home, getting an online quote and more.
Liability-only insurance quotes by company
| Company | Annual rate |
|---|---|
| Geico | $459 |
| AAA NorCal | $593 |
| Progressive | $642 |
| Mercury | $668 |
| State Farm | $691 |
| AAA SoCal | $691 |
| Allstate | $788 |
| Farmers | $985 |
| USAA* | $591 |
Cheapest auto insurance for young drivers in San Jose: State Farm and Geico
To get San Jose’s cheapest car insurance for young drivers, make sure you compare quotes from State Farm and Geico.
State Farm has the cheapest liability insurance rates for the city’s young drivers at $1,328 a year. Geico is next, with an average rate of $1,420 a year.
Young drivers find the cheapest full coverage insurance rates from Geico, though, at $3,540 a year. State Farm is second, at $3,648 a year.
If you or your family have military ties, compare quotes from USAA as well. Its average rates for San Jose teens are competitive with those of Geico and State Farm.
Teen car insurance quotes by company
| Company | Liability coverage | Full coverage |
|---|---|---|
| State Farm | $1,328 | $3,648 |
| Geico | $1,420 | $3,540 |
| Mercury | $1,715 | $4,062 |
| AAA NorCal | $1,902 | $6,608 |
| Progressive | $1,930 | $5,229 |
| AAA SoCal | $1,971 | $4,633 |
| Allstate | $2,109 | $4,339 |
| Farmers | $2,257 | $6,925 |
| USAA* | $1,426 | $3,301 |
Cheap insurance quotes in San Jose after a speeding ticket: Geico
With an average rate of $2,124 a year, Geico has the cheapest auto insurance for most San Jose drivers with a speeding ticket on their records.
This is 11% cheaper than runner-up Mercury ($2,394 a year) and 24% cheaper than the city average ($2,795 a year).
Mercury doesn’t offer as many car insurance discounts as Geico does, but it has enough that you should still compare quotes from both companies before you buy or renew. Mercury may be the cheapest company for you because of discounts and other factors.
San Jose car insurance rates with a speeding ticket
| Company | Annual rate |
|---|---|
| Geico | $2,124 |
| Mercury | $2,394 |
| Progressive | $2,663 |
| AAA NorCal | $2,674 |
| Allstate | $2,762 |
| AAA SoCal | $3,016 |
| State Farm | $3,218 |
| Farmers | $4,426 |
| USAA* | $1,877 |
San Jose’s best cheap car insurance rates after an accident: Mercury
San Jose drivers with an at-fault accident on their records should get a quote from Mercury. It has the city’s cheapest full coverage car insurance for these drivers at $2,667 a year. This is 30% less than the San Jose average of $3,816 a year.
At $2,851 a year, Progressive is the second-best company for car insurance after an accident. It has many more discounts than Mercury does, so it might send you the cheapest quote if you can earn a few.
Another reason to consider Progressive is that customers rate it better than they do Mercury. In particular, Progressive customers file many fewer complaints than Mercury’s do, based on the NAIC Complaint Index The NAIC rates companies on confirmed complaints by size. A confirmed complaint is one that leads to a finding of fault. .
San Jose car insurance rates with an accident
| Company | Annual rate |
|---|---|
| Mercury | $2,667 |
| Progressive | $2,851 |
| AAA SoCal | $3,287 |
| Geico | $3,467 |
| State Farm | $4,150 |
| AAA NorCal | $4,283 |
| Allstate | $5,169 |
| Farmers | $5,531 |
| USAA* | $2,940 |
Cheap San Jose insurance for young drivers with bad driving records: Geico
Geico is the best car insurance company in San Jose for young drivers with tickets or accidents on their records. Its rates for teens with a speeding ticket average $1,594 a year, while it charges teens with an accident $1,957 a year.
State Farm is another great option for teens after a ticket in San Jose, with an average quote of $2,108 a year. Teens with an accident should consider Mercury as well. Its average quote for these young drivers is $2,142 a year.
Auto insurance rates for teens with tickets or accidents
| Company | Ticket | Accident |
|---|---|---|
| Geico | $1,594 | $1,957 |
| State Farm | $2,108 | $2,213 |
| Mercury | $2,267 | $2,142 |
| Allstate | $2,504 | $3,330 |
| Progressive | $2,510 | $2,791 |
| Farmers | $2,842 | $2,842 |
| AAA NorCal | $2,885 | $3,543 |
| AAA SoCal | $3,072 | $2,876 |
| USAA* | $1,756 | $1,886 |
Cheapest car insurance companies after a DUI in San Jose: Mercury
At $2,994 a year, Mercury has San Jose’s cheapest auto insurance after a DUI (driving under the influence) conviction. Not only is that 43% less than the city average of $5,247 a year, but it’s also 12% less than runner-up Geico ($3,414 a year).
Progressive comes in third for San Jose drivers with a DUI, with an average rate of $4,142 a year.
Both Geico and Progressive have more discounts than Mercury, which means they could be the cheapest company for you if you qualify for a couple or more.
San Jose auto insurance quotes with a DUI
| Company | Annual rate |
|---|---|
| Mercury | $2,994 |
| Geico | $3,414 |
| Progressive | $4,142 |
| Farmers | $5,531 |
| AAA SoCal | $6,066 |
| Allstate | $7,471 |
| AAA NorCal | $7,593 |
| USAA* | $4,763 |
Best car insurance companies in San Jose
State Farm and Geico are the best auto insurance companies in San Jose. Geico’s rates are cheaper than State Farm’s for most drivers, but not always by much. State Farm makes up for it with better customer satisfaction scores.
Both Geico and State Farm offer several discounts that could help make it your cheapest option. Neither company has many add-ons that let you customize your policy to your needs, however.
USAA is among San Jose’s best auto insurance companies for members of the military and their families. Its rates usually compare with Geico’s and State Farm’s, and they’re sometimes cheaper. USAA also scores very well with customers.
San Jose car insurance company ratings
| Company | J.D. Power Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher scores are better. | AM Best | LendingTree score |
|---|---|---|---|
| AAA NorCal | 658 | Not rated | |
| AAA SoCal | 658 | Not rated | |
| Allstate | 635 | A+ | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| Mercury | 596 | A | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| USAA* | 739 | A++ | |
San Jose auto insurance rates by neighborhood
San Jose’s 95014 ZIP code has the city’s cheapest car insurance rates of $1,762 a year, on average. The popular suburb Cupertino is included in this ZIP code.
Drivers in the city’s central 95113 ZIP code pay the highest rates of around $2,253 a year. This includes neighborhoods like Japantown, Rose Garden and Shasta Hanchett.
Car insurance rates near you
| ZIP | Annual rate | % from average |
|---|---|---|
| 95008 | $1,833 | -6% |
| 95014 | $1,762 | -10% |
| 95032 | $1,861 | -4% |
| 95101 | $1,977 | 2% |
| 95110 | $2,098 | 8% |
| 95111 | $2,197 | 13% |
| 95112 | $2,027 | 4% |
| 95113 | $2,253 | 16% |
| 95116 | $2,157 | 11% |
| 95117 | $1,922 | -1% |
| 95118 | $1,846 | -5% |
| 95119 | $1,816 | -7% |
| 95120 | $1,824 | -6% |
| 95121 | $2,060 | 6% |
| 95122 | $2,172 | 12% |
| 95123 | $1,892 | -3% |
| 95124 | $1,780 | -9% |
| 95125 | $1,852 | -5% |
| 95126 | $1,972 | 1% |
| 95127 | $2,034 | 4% |
| 95128 | $1,899 | -2% |
| 95129 | $1,792 | -8% |
| 95130 | $1,782 | -8% |
| 95131 | $1,901 | -2% |
| 95132 | $1,912 | -2% |
| 95133 | $2,001 | 3% |
| 95134 | $1,871 | -4% |
| 95135 | $1,930 | -1% |
| 95136 | $1,916 | -2% |
| 95138 | $2,015 | 3% |
| 95139 | $1,805 | -7% |
| 95141 | $1,891 | -3% |
| 95148 | $2,074 | 7% |
| 95192 | $2,079 | 7% |
San Jose car insurance requirements
Like the rest of California, San Jose drivers must have 30/60/15 car insurance at a minimum.
This means you need at least:
- $30,000 of bodily injury liability Bodily injury liability helps cover the medical bills of anyone you injure in a car accident. coverage per person
- $60,000 of bodily injury liability coverage per accident
- $15,000 of property damage liability Property damage liability covers damage you cause to property like fences, toll booths and light posts. coverage
California law doesn’t require drivers in San Jose or anywhere else in the state to have full coverage car insurance. A lender may require it, though, if you finance your vehicle.