Cheapest Car Insurance In San Jose, CA 2025
For drivers in San Jose, USAA provides the most affordable minimum coverage, costing about $98 each month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Searching for affordable car insurance in San Jose, CA, can be tough, as rates differ quite a bit.
When it comes to liability-only insurance, USAA offers the lowest rates. Mercury is the best choice for full coverage, while Direct Auto has the best deals for young drivers.
Cheapest Car Insurance In San Jose, CA 2025
Cheapest Liability-only Car Insurance In San Jose: USAA
San Jose drivers can get the lowest-priced minimum coverage from USAA, which averages $98 a month.
Use the table below to find out which insurance provider offers the best rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $98 | $1,176 |
| Sun Coast | $103 | $1,236 |
| Mercury | $108 | $1,296 |
| Direct Auto | $110 | $1,320 |
| GEICO | $132 | $1,584 |
Cheapest Full Coverage Insurance Rates In San Jose: Mercury
If you’re looking for the cheapest full coverage car insurance in San Jose, Mercury is the best option at $189 per month.
Use the table below to compare car insurance quotes from budget-friendly companies in San Jose.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $189 | $2,268 |
| USAA | $225 | $2,700 |
| GEICO | $296 | $3,552 |
| Allstate | $306 | $3,672 |
| Farmers | $314 | $3,768 |
Cheapest Auto Insurance For Young Adults in San Jose: Direct Auto
San Jose young adult drivers will find the cheapest insurance rates with Direct Auto, at an average of $80 per month.
The table below lists the insurance companies with the best rates for young adults in San Jose.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $80 | $960 |
| USAA | $164 | $1,968 |
| Kemper | $92 | $1,104 |
| Mercury | $140 | $1,680 |
Cheapest Car Insurance Rates For Seniors: Mercury
At $147 per month on average, Mercury offers the most affordable car insurance for San Jose seniors.
Compare average auto insurance rates for seniors from the most cost-effective providers in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $147 | $1,764 |
| USAA | $175 | $2,100 |
| Direct Auto | $226 | $2,712 |
| GEICO | $229 | $2,748 |
| Allstate | $238 | $2,856 |
Cheapest Rates In San Jose For Teenagers: Mercury
For teenage drivers in San Jose, Mercury provides the cheapest car insurance, costing about $348 per month.
Use the table below to find the cheapest auto insurance providers for teens.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $348 | $4,176 |
| GEICO | $510 | $6,120 |
| Anchor | $397 | $4,764 |
| Allstate | $588 | $7,056 |
| Direct Auto | $580 | $6,960 |
Cheapest Car Insurance In San Jose For Good Drivers: USAA
San Jose drivers with a clean record can get the most budget-friendly car insurance from USAA for about $98 a month.
The following table lists average quotes from the most cost-effective insurers for responsible drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $98 | $1,176 |
| Sun Coast | $103 | $1,236 |
| Mercury | $108 | $1,296 |
| Direct Auto | $110 | $1,320 |
| GEICO | $132 | $1,584 |
Find affordable San Jose rates
Cheapest Car Insurance In San Jose After A Speeding Ticket: USAA
With an average rate of $122 per month, USAA is one of the most affordable insurers in San Jose for drivers with a speeding ticket.
The table below highlights the typical insurance prices for drivers who have been cited for speeding.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $122 | $1,464 |
| Mercury | $144 | $1,728 |
| Root | $132 | $1,584 |
| Direct Auto | $137 | $1,644 |
| GEICO | $163 | $1,956 |
Cheapest For Drivers With After At-Fault Accident: USAA
The lowest insurance rates for drivers with an at-fault incident come from USAA, at an average of $125 per month.
Here’s a list of the top insurers with the best prices for drivers responsible for an accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $125 | $1,500 |
| Allstate | $172 | $2,064 |
| National General | $146 | $1,752 |
| Mercury | $149 | $1,788 |
| Root | $135 | $1,620 |
Cheapest Rates In San Jose For Drivers After A DUI: USAA
The most affordable car insurance for drivers after a DUI in San Jose comes from USAA, costing about $151 per month.
Use the table below to compare the cheapest insurance quotes for drivers with a DUI in San Jose.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $151 | $1,812 |
| National General | $178 | $2,136 |
| Anchor | $162 | $1,944 |
| Mercury | $156 | $1,872 |
| Direct Auto | $168 | $2,016 |
Best Car Insurance Companies In San Jose
The most affordable insurance option in San Jose is USAA at $98 monthly, but Sun Coast ($103) and Mercury ($108) also have competitive rates.
Listed below are the top 10 car insurance companies in San Jose, CA, arranged by their typical monthly rates.
| Company | Monthly Premium |
| USAA | $98 |
| Sun Coast | $103 |
| Mercury | $108 |
| Direct Auto | $110 |
| GEICO | $132 |
| Dairyland | $110 |
| National General | $116 |
| Allstate | $136 |
| Anchor | $112 |
| Root | $109 |
Average Auto Insurance Rates In San Jose – By Age
Age significantly affects car insurance pricing. Since young drivers have a higher likelihood of accidents, their premiums are steeper, with teens paying around $2,890 per year.
Car insurance prices tend to decrease once a driver turns 25, as long as they have a clean record.
Since age influences how insurance companies assess driving risk, those in their 50s and early 60s often secure the lowest premiums.
| Age | Average Yearly Rate |
| Teenagers | $2,890 |
| 20s | $2,123 |
| 30s | $1,775 |
| 40s | $1,685 |
| 50s | $1,640 |
| 60s | $2,119 |
| 70s | $1,722 |
Average Cost Of Auto Insurance In San Jose – By Zip Code
Because crime rates vary by zip code, insurance companies set different premiums based on your location.
Check the table for a breakdown of average insurance prices by zip code in San Jose.
| City | Average Monthly Rate |
| 95126 | $158 |
| 95122 | $159 |
| 95121 | $161 |
| 95124 | $157 |
| 95117 | $191 |
How Much Is Car Insurance In Other Cities in California?
Where you live impacts how much you pay for car insurance. Cities with more accidents and car thefts usually come with higher insurance rates.
Los Angeles drivers face an average insurance cost of $243 per month, while Bakersfield residents enjoy a lower rate of $132 per month.
| City | Average Monthly Rate |
| Los Angeles | $243 |
| San Diego | $176 |
| Long Beach | $220 |
| Oakland | $233 |
| Bakersfield | $132 |
| Pasadena | $151 |
| San Francisco | $225 |
| Fresno | $158 |
| Sacramento | $157 |
| Anaheim | $232 |
Average Rates In San Jose – By Vehicle
What you drive affects how much you pay for insurance. Providers look at the car’s make, model, and year, with newer, high-end vehicles typically having the highest rates due to expensive repairs and technology.
The following table highlights the average car insurance rates in San Jose for a variety of vehicles.
| Vehicle | Average Monthly Rate |
| Toyota Yaris | $332 |
| Ford Fiesta | $321 |
| Nissan Rogue | $650 |
| Accura TLX | $638 |
| Porsche Cayenne | $2,899 |
Find affordable San Jose rates
Our Methodology
My analysis, which covers customer service, pricing, policy features, and online reviews, offers a detailed look at car insurance providers in San Jose, CA.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in San Jose?
In San Jose, USAA is the top choice for low-cost minimum coverage, while Mercury offers the most competitive pricing for full coverage, including comprehensive and collision.
What is the average cost of car insurance in San Jose?
The typical cost of car insurance in San Jose is roughly $160 per month, but your rate will be influenced by your zip code, car model, and driving record.
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