No matter if you’re commuting up to the Bay Area 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 at the main intersections of freeways like I-280 and I-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.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
Zip Code
|
|---|---|---|---|---|---|---|
| $33 | $402 | Progressive | 43 | December 11, 2024 | San Jose, CA | 95122 |
| $38 | $452 | Bristol West | 32 | June 30, 2024 | San Jose, CA | 95117 |
| $38 | $452 | First Acceptance | 32 | June 30, 2024 | San Jose, CA | 95117 |
| $38 | $452 | First Acceptance | 32 | June 30, 2024 | San Jose, CA | 95117 |
| $39 | $466 | National General | 31 | November 14, 2024 | San Jose, CA | 95135 |
| $39 | $466 | National General | 31 | November 3, 2024 | San Jose, CA | 95135 |
| $39 | $472 | National General | 33 | December 18, 2024 | San Jose, CA | 95125 |
| $40 | $480 | National General | 59 | December 25, 2024 | San Jose, CA | 95128 |
| $40 | $480 | Progressive | 32 | January 9, 2025 | San Jose, CA | 95112 |
| $40 | $484 | Bristol West | 58 | February 10, 2024 | San Jose, CA | 95111 |
If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need full coverage under a GAP policy, 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 mild year-round, the area is prone to wildfires and any rain 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.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
Zip Code
|
|---|---|---|---|---|---|---|
| $49 | $584 | National General | 40 | November 16, 2024 | San Jose, CA | 95136 |
| $63 | $761 | National General | 30 | September 17, 2024 | San Jose, CA | 95133 |
| $77 | $922 | National General | 40 | December 8, 2024 | San Jose, CA | 95136 |
| $88 | $1,062 | Progressive | 50 | January 3, 2025 | San Jose, CA | 95118 |
| $89 | $1,067 | Aspire Advantage | 40 | November 22, 2024 | San Jose, CA | 95116 |
| $89 | $1,067 | Aspire Advantage | 40 | November 22, 2024 | San Jose, CA | 95116 |
| $100 | $1,206 | Progressive | 49 | December 3, 2024 | San Jose, CA | 95126 |
| $102 | $1,223 | Aspire Advantage | 43 | December 4, 2024 | San Jose, CA | 95112 |
| $104 | $1,252 | Anchor General | 42 | December 29, 2024 | San Jose, CA | 95117 |
| $110 | $1,324 | National General | 26 | January 4, 2025 | San Jose, CA | 95123 |
Cheapest car insurance for young drivers in San Jose (18-29 years old)
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
Zip Code
|
|---|---|---|---|---|---|---|---|
| $51 | $617 | National General | 29 | No | November 7, 2024 | San Jose, CA | 95122 |
| $52 | $620 | National General | 29 | No | November 19, 2024 | San Jose, CA | 95112 |
| $54 | $645 | National General | 29 | No | November 7, 2024 | San Jose, CA | 95123 |
| $54 | $645 | National General | 29 | No | November 7, 2024 | San Jose, CA | 95123 |
| $54 | $645 | National General | 29 | No | November 11, 2024 | San Jose, CA | 95123 |
Cheapest car insurance for mature drivers in San Jose (30-54 years old)
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
Zip Code
|
|---|---|---|---|---|---|---|---|
| $33 | $402 | Progressive | 43 | No | December 11, 2024 | San Jose, CA | 95122 |
| $38 | $452 | First Acceptance | 32 | No | June 30, 2024 | San Jose, CA | 95117 |
| $38 | $452 | Bristol West | 32 | No | June 30, 2024 | San Jose, CA | 95117 |
| $38 | $452 | First Acceptance | 32 | No | June 30, 2024 | San Jose, CA | 95117 |
| $39 | $466 | National General | 31 | No | November 3, 2024 | San Jose, CA | 95135 |
Cheapest car insurance for older drivers (55+ years old)
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
Zip Code
|
|---|---|---|---|---|---|---|---|
| $40 | $480 | National General | 59 | No | December 25, 2024 | San Jose, CA | 95128 |
| $40 | $484 | Bristol West | 58 | No | February 10, 2024 | San Jose, CA | 95111 |
| $41 | $496 | Aspire Advantage | 69 | No | July 27, 2024 | San Jose, CA | 95118 |
| $42 | $508 | National General | 58 | No | September 30, 2024 | San Jose, CA | 95111 |
| $44 | $526 | National General | 59 | No | December 12, 2024 | San Jose, CA | 95112 |
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.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
Zip Code
|
|---|---|---|---|---|---|---|---|
| $33 | $402 | Progressive | 43 | December 11, 2024 | No | San Jose, CA | 95122 |
| $39 | $466 | National General | 31 | November 14, 2024 | No | San Jose, CA | 95135 |
| $39 | $466 | National General | 31 | November 3, 2024 | No | San Jose, CA | 95135 |
| $39 | $472 | National General | 33 | December 18, 2024 | No | San Jose, CA | 95125 |
| $40 | $480 | National General | 59 | December 25, 2024 | No | San Jose, CA | 95128 |
| $40 | $484 | Bristol West | 58 | February 10, 2024 | No | San Jose, CA | 95111 |
| $40 | $486 | National General | 37 | December 31, 2024 | No | San Jose, CA | 95123 |
| $41 | $496 | Aspire Advantage | 69 | July 27, 2024 | No | San Jose, CA | 95118 |
| $41 | $497 | National General | 44 | November 4, 2024 | No | San Jose, CA | 95122 |
| $42 | $504 | National General | 32 | September 27, 2024 | No | San Jose, CA | 95132 |
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.
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
Zip Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $38 | $452 | First Acceptance | 32 | No | June 30, 2024 | San Jose, CA | 95117 |
| At Fault With No Injury | $38 | $452 | Bristol West | 32 | No | June 30, 2024 | San Jose, CA | 95117 |
| At Fault With No Injury | $38 | $452 | First Acceptance | 32 | No | June 30, 2024 | San Jose, CA | 95117 |
| At Fault With Injury | $43 | $522 | Aspire Advantage | 32 | No | August 25, 2024 | San Jose, CA | 95110 |
| At Fault With Injury | $43 | $522 | Aspire Advantage | 33 | No | June 17, 2024 | San Jose, CA | 95125 |
Cheapest car insurance for drivers with speeding tickets in San Jose
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
Zip Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $53 | $638 | National General | 35 | November 8, 2024 | San Jose, CA | 95112 |
| Speeding under 15 | $54 | $652 | Progressive | 40 | December 2, 2024 | San Jose, CA | 95117 |
| Speeding under 15 | $55 | $656 | Aspire Advantage | 29 | August 6, 2024 | San Jose, CA | 95128 |
| Speeding under 15 | $55 | $657 | Aspire Advantage | 34 | August 6, 2024 | San Jose, CA | 95112 |
| Speeding under 15 | $55 | $660 | Aspire Advantage | 60 | August 28, 2024 | San Jose, CA | 95132 |
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.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
Zip Code
|
|---|---|---|---|---|---|---|---|
| DUI | $40 | $480 | Progressive | 32 | January 9, 2025 | San Jose, CA | 95112 |
| DUI | $43 | $520 | National General | 45 | December 19, 2024 | San Jose, CA | 95121 |
| DUI | $45 | $542 | Aspire Advantage | 34 | June 25, 2024 | San Jose, CA | 95129 |
| DUI | $46 | $552 | National General | 40 | December 15, 2024 | San Jose, CA | 95132 |
| DUI | $50 | $604 | Aspire Advantage | 61 | July 14, 2024 | San Jose, CA | 95132 |
