Cheapest Car Insurance Quotes in San Jose

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San Jose Car Insurance

^$ 25

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in San Jose

The car insurance rate in San Jose is $860 for a six-month policy, which is $9 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $442, making it a popular choice for budget-conscious drivers. Rates in San Jose can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in San Jose

$860

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in San Jose

1st place: AutoOwners Insurance Co

At $442 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Westfield

Westfield offers auto insurance rates at $500 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Country Financial

Country Financial offers auto insurance rates at $524 for six months, making it the third cheapest auto insurance company in San Jose.

San Jose Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in San Jose, IL is AutoOwners Insurance Co, offering policies at just $442 for a six-month term. This is followed by Westfield, which has an average six-month premium of $500.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $800 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help San Jose drivers find the best deals.

Cheap Car Insurance Companies in San Jose, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$442	$75
Westfield	$500	$83
Country Financial	$524	$88
Travelers	$624	$105
American Family	$724	$122
Erie	$758	$127
USAA	$894	$150
State Farm	$900	$151
Progressive	$988	$166
Auto-Owners	$1040	$173
Allstate	$1494	$251
Farmers	$1494	$251
Hanover	$930	$154
Mercury	$794	$133
Hastings Mutual	$800	$136

Key Takeaways

Way's key takeaways about car insurance in San Jose

The auto insurance costs in San Jose fall around $442 for six months.
The cheapest auto insurance company in San Jose is Mercury.
Teen drivers pay the highest rate in San Jose at $57 per month.

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Cheapest Minimum Liability Car Insurance in San Jose

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in San Jose are given below.

Mercury provides the cheapest minimum car insurance coverage in San Jose. Their Average 6 Month Premium is $148. First Chicago is the most expensive at $194 for the same period.

Cheapest Liability Coverage in San Jose, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$148	$25
Westfield	$158	$27
Auto-Owners Insurance Co	$188	$32
Country Financial	$200	$34
Erie	$247	$42
Auto-Owners	$270	$46
Travelers	$270	$46
American Family	$312	$52
State Farm	$312	$52
USAA	$330	$55
Progressive	$382	$64
Allstate	$600	$101
Farmers	$736	$125
Hanover	$176	$30
AAA	$252	$43
First Chicago	$194	$33

Cheapest Full Coverage Car Insurance in San Jose

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in San Jose is AutoOwners Insurance Co at $75 per month and $442 for six months.

Cheapest Full Coverage Car Insurance Quotes in San Jose, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$442	$75
Westfield	$500	$83
Country Financial	$524	$88
Travelers	$624	$105
American Family	$724	$122
Erie	$758	$127
USAA	$894	$150
State Farm	$900	$151
Progressive	$988	$166
Auto-Owners	$1040	$173
Allstate	$1494	$251
Farmers	$1494	$251
Hanover	$930	$154
Mercury	$794	$133
Hastings Mutual	$800	$136

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Average Car Insurance in San Jose by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in San Jose, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in San Jose, Illinois, may be increasing due to several external factors. Illinois has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, San Jose's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in San Jose

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Auto-Owners	$700
30s	Auto-Owners	$484
40s	Auto-Owners	$475
50s	Auto-Owners	$448
60s	Auto-Owners	$471
70s	Auto-Owners	$598

Cheapest Car Insurance Rates for Teen Drivers in San Jose,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the San Jose at $32 per month. At $336 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$188	$32
Mercury	$218	$37
Auto-Owners Insurance Co	$236	$40
Country Financial	$800	$135
Erie	$982	$165
Travelers	$1040	$175
USAA	$1812	$305
American Family	$2170	$365
State Farm	$3122	$526
Progressive	$3128	$527
Allstate	$3634	$612
Farmers	$3699	$623
AAA	$336	$57

Teen Car Insurance Rates in IL by Age

Way Tip

If you are in your twenties AutoOwners is the best choice for car insurance in San Jose.

As young drivers face the highest rates in San Jose, AutoOwners offers the cheapest auto insurance rates at $700 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in San Jose, Mercury is the cheapest car insurance provider. At $224 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in San Jose is State Farm, offering rates of around $3076 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$224	$38
Westfield	$294	$50
Hanover	$394	$65
Country Financial	$588	$99
Travelers	$652	$110
Progressive	$935	$157
American Family	$1146	$193
USAA	$1523	$259
Allstate	$2500	$417
Farmers	$2876	$489
State Farm	$3076	$513

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Save up to $971/yr on car insurance rates in San Jose.

Car Insurance Rates with An Accident in San Jose

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In San Jose, IL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in San Jose

The cheapest car insurance companies after an at-fault accident in San Jose include AutoOwners Insurance Co and Westfield, offering $247 and $252, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $294.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$247	$42
Westfield	$252	$43
Mercury	$324	$53
Travelers	$564	$95
Erie	$570	$96
Country Financial	$576	$97
State Farm	$852	$144
USAA	$876	$148
American Family	$982	$165
Progressive	$1418	$239
Farmers	$1564	$263
Allstate	$2594	$437
AAA	$418	$71
First Chicago	$270	$46
Hastings Mutual	$294	$50

San Jose Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in San Jose IL. For example, the car insurance in San Jose after a DUI increases to $812 for a six month policy. While the rate increases by $218 for a six-month policy in the case of a speeding ticket.

San Jose auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$970	$161
One Med/PIP claim	$976	$166
Not-at-fault accident	$1030	$171
One comp claim	$1052	$179
Two Med/PIP claims	$1052	$175
Failure to wear a seat belt	$1129	$192
Driving without lights	$1140	$190
Child safety restraint	$1146	$195
Two comp claims	$1146	$191
Failure to show documents	$1164	$198
Speeding 6 - 10 MPH over limit	$1188	$198
Driving with expired registration	$1194	$203
Speeding 11 - 15 MPH over limit	$1218	$203
Driving too slowly	$1224	$208
Failure to yield	$1224	$204
Illegal turn	$1224	$208
At-fault accident - less than $1000	$1235	$206
Failure to stop at a red light	$1235	$210
Following too closely	$1235	$206
Speeding 16 - 20 MPH over limit	$1240	$211
Speeding in school zone	$1240	$207
Improper passing	$1246	$212
Wrong way/wrong lane	$1246	$208
Cell phone violation	$1270	$216
Texting while driving	$1270	$212
Passing school bus	$1282	$218
In 65 MPH zone	$1288	$215
Speeding 21 - 25 MPH over limit	$1300	$221
Operating a vehicle without permission	$1324	$221
At-fault accident - $1000-$2000	$1406	$239
At-fault accident - greater than $2000	$1429	$239
Open container	$1476	$251
Reckless driving	$1712	$285
Racing	$1729	$294
Driving with a suspended license	$1764	$294
Refusal to submit to a chemical test	$1776	$302
DUI	$1782	$297
Leaving scene of an accident/hit and run	$1800	$306

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in San Jose after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in San Jose.

The cheapest car insurance premiums in San Jose are offered by Mercury at $224 for a six-month policy. However, it can be as expensive as $2523 with companies like Farmers.

San Jose car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$224	$38
Travelers	$600	$101
Erie	$694	$117
Progressive	$724	$122
Country Financial	$912	$153
American Family	$1112	$187
State Farm	$1206	$203
USAA	$1412	$238
Allstate	$2217	$373
Farmers	$2523	$429

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in San Jose are offered by Westfield at $188. However, it can be as expensive as $4622 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in San Jose after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$188	$32
Auto-Owners Insurance Co	$212	$36
Mercury	$230	$39
Erie	$247	$42
Hanover	$282	$48
Country Financial	$594	$100
USAA	$770	$129
State Farm	$1052	$179
Travelers	$1194	$199
Progressive	$1235	$210
American Family	$1370	$231
Allstate	$3928	$668
Farmers	$4622	$770

Car Insurance Price Trends in San Jose, Illinois

Car insurance rates in San Jose have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the San Jose rose by $191 in December compared to $189 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the San Jose rose to $52 in December, compared to $50 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in San Jose?

The car insurance in San Jose is $25 per month, which is lower than the national average.

What is the cheapest car insurance in San Jose?

The cheapest car insurance in San Jose is $75 per month for full coverage.

How much is car insurance in San Jose for teenagers?

Car insurance for teenagers costs $188 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in San Jose?

The average cost of car insurance is $869 for a six-month policy. It will cost around $144 per month to insure your car in San Jose.

Is car insurance expensive in San Jose?

Car insurance can be expensive in San Jose if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in San Jose can be affordable.

Cheapest Car Insurance Quotes in San Jose

Why you can trust Way?

How Much Is Car Insurance in San Jose

Avg. Car Insurance in San Jose

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in San Jose

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

San Jose Car Insurance Rates by Company

Cheap Car Insurance Companies in San Jose, IL

Way's key takeaways about car insurance in San Jose

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in San Jose

Cheapest Liability Coverage in San Jose, IL

Cheapest Full Coverage Car Insurance in San Jose

Cheapest Full Coverage Car Insurance Quotes in San Jose, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in San Jose by Rating Factor

I have a clean driving record. Why is my car insurance rate here in San Jose, IL increasing?

Car Insurance Premiums by Age in San Jose

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in San Jose,IL

If you are in your twenties AutoOwners is the best choice for car insurance in San Jose.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in San Jose

Cheapest Car Insurance Companies after an At-Fault Accident in San Jose

San Jose Car Insurance Rates by Violation

San Jose auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in San Jose after a DUI

San Jose car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in San Jose after Speeding ticket

Car Insurance Price Trends in San Jose, Illinois

Average Car Insurance Cost in San Jose by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near San Jose, IL

Car Insurance Rates by State in the USA (2025 Update)

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