No matter if you’re commuting up to San Francisco or just getting around town on the 101, driving in San Jose comes with its own challenges. Flash floods, heat waves and wildfire smoke can all make driving more difficult and dangerous. Locals also hit Silicon Valley traffic and heavy congestion on freeways like Interstates 280 and 880. 

Having proper car insurance coverage while driving in San Jose is important to keep your car and your finances protected. To get you started comparison shopping, we’ve gathered quote data from real Jerry customers in San Jose so you can see how various factors like age, driving history and coverage needs affect your premium.

Cheapest minimum coverage insurance in San Jose

California has raised its minimum liability coverage requirements for 2025. Drivers now need:

• $30,000 per person for bodily injury liability.
• $60,000 for bodily injury per accident for multiple persons injured.
• $15,000 for property damage liability.

Here are the cheapest quotes for minimum coverage in San Jose, based on real Jerry customers.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in San Jose

While the weather in San Jose is relatively mild year-round, the area can see heavy rain that can cause subsequent mudslides. Full coverage can help if your car is damaged by hazardous weather, as well as animal collisions, theft and other issues not caused by an accident with another vehicle.

These are the cheapest full coverage quotes from Jerry customers in San Jose.

Cheapest car insurance for young drivers in San Jose (18-29 years old)

Cheapest car insurance for mature drivers in San Jose (30-54 years old)

Cheapest car insurance for older drivers (55+ years old)

Cheapest car insurance for drivers with clean records in San Jose

A clean driving record can go a long way in getting a low premium. Here are quotes San Jose drivers with spotless records received via Jerry.

Cheapest car insurance for drivers with at-fault accidents in San Jose

Here are some of the cheapest quotes for drivers in San Jose with an at-fault accident on their record, based on real Jerry quotes.

Cheapest car insurance for drivers with speeding tickets in San Jose

Cheapest car insurance for drivers with DUIs in San Jose

Check out some of the cheapest quotes for drivers in San Jose with DUIs on their record, based on real Jerry quotes.

Methodology

Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS

Xuyun Zeng

Xuyun Zeng is a content strategist with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

Annie Millerbernd

Annie is a content strategist at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.