Cheapest Car Insurance Quotes in San Jose

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San Jose Car Insurance

^$ 22

/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 $1088 for a six-month policy, which is $32 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $741, 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

$1088

Avg. Car Insurance in New Mexico

$1056

National Average

$1278

Cheapest Car Insurance Companies in San Jose

1st place: USAA

At $741 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $789 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $881 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, NM is USAA, offering policies at just $741 for a six-month term. This is followed by Encompass, which has an average six-month premium of $789.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1579 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, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$741	$125
Encompass	$789	$132
Nationwide	$881	$148
State Farm	$899	$151
Central Mutual	$991	$169
Progressive	$1059	$178
Central Insurance	$1236	$210
Farmers	$1261	$212
Allstate	$1444	$243
Farm Bureau	$1579	$263

Key Takeaways

Way's key takeaways about car insurance in San Jose

The auto insurance costs in San Jose fall around $741 for six months.
The cheapest auto insurance company in San Jose is Central Mutual.
Teen drivers pay the highest rate in San Jose at $785 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.

Central Mutual provides the cheapest minimum car insurance coverage in San Jose. Their Average 6 Month Premium is $129. Allstate is the most expensive at $526 for the same period.

Cheapest Liability Coverage in San Jose, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$129	$22
USAA	$165	$28
Central Insurance	$202	$34
Iowa Farm Bureau	$208	$35
Encompass	$251	$42
State Farm	$287	$48
Farm Bureau	$318	$55
Progressive	$355	$60
Kemper	$361	$62
Nationwide	$404	$67
Farmers	$410	$69
Allstate	$526	$89

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 USAA at $125 per month and $741 for six months.

Cheapest Full Coverage Car Insurance Quotes in San Jose, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$741	$125
Encompass	$789	$132
Nationwide	$881	$148
State Farm	$899	$151
Central Mutual	$991	$169
Progressive	$1059	$178
Central Insurance	$1236	$210
Farmers	$1261	$212
Allstate	$1444	$243
Farm Bureau	$1579	$263

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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, NM increasing?

Despite maintaining a clean driving record, your car insurance rates in San Jose, New Mexico, may be increasing due to several external factors. New Mexico 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
30s	MetLife	$603
40s	MetLife	$562
50s	MetLife	$517
60s	MetLife	$491
70s	MetLife	$639

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

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the San Jose at $32 per month. At $4662 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$190	$32
Iowa Farm Bureau	$275	$46
Kemper	$281	$47
USAA	$1059	$178
State Farm	$1890	$318
Farm Bureau	$2612	$444
Progressive	$3280	$552
Nationwide	$3598	$612
Allstate	$4344	$731
Farmers	$4662	$785

Teen Car Insurance Rates in NM by Age

Way Tip

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

As young drivers face the highest rates in San Jose, MetLife offers the cheapest auto insurance rates at $603 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, Kemper is the cheapest car insurance provider. At $337 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 $4233 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$337	$58
USAA	$942	$157
Progressive	$1377	$232
Farmers	$1769	$298
Allstate	$1885	$320
Farm Bureau	$2362	$393
State Farm	$4233	$720

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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, NM, 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 Central Mutual and Central Insurance, offering $129 and $275, respectively. Farmers is an expensive provider with an average six-month premium of $2233.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$129	$22
Central Insurance	$275	$46
Encompass	$306	$52
Kemper	$331	$57
Iowa Farm Bureau	$337	$56
USAA	$551	$93
State Farm	$770	$130
Progressive	$979	$165
Nationwide	$2019	$337
Allstate	$2172	$366
Farm Bureau	$2196	$366
Farmers	$2233	$376

San Jose Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in San Jose NM. For example, the car insurance in San Jose after a DUI increases to $966 for a six month policy. While the rate increases by $214 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	$1034	$172
One Med/PIP claim	$1046	$178
Not-at-fault accident	$1076	$179
One comp claim	$1083	$184
Two Med/PIP claims	$1095	$182
Two comp claims	$1126	$192
Failure to show documents	$1138	$190
Failure to wear a seat belt	$1144	$195
Child safety restraint	$1187	$198
Driving without lights	$1187	$202
In 65 MPH zone	$1224	$204
Cell phone violation	$1230	$209
Texting while driving	$1230	$205
At-fault accident - less than $1000	$1236	$210
Driving with expired registration	$1236	$206
Speeding 11 - 15 MPH over limit	$1248	$212
Speeding 16 - 20 MPH over limit	$1248	$208
Speeding 6 - 10 MPH over limit	$1248	$212
Driving too slowly	$1255	$209
Failure to stop at a red light	$1255	$213
Failure to yield	$1255	$209
Following too closely	$1255	$213
Illegal turn	$1255	$209
Improper passing	$1255	$213
Speeding in school zone	$1255	$209
Wrong way/wrong lane	$1255	$213
Passing school bus	$1273	$212
Operating a vehicle without permission	$1291	$219
Speeding 21 - 25 MPH over limit	$1291	$215
Open container	$1438	$244
At-fault accident - $1000-$2000	$1463	$244
At-fault accident - greater than $2000	$1475	$250
Reckless driving	$1915	$319
Driving with a suspended license	$1921	$327
Refusal to submit to a chemical test	$1946	$324
DUI	$2000	$340
Racing	$2044	$341
Leaving scene of an accident/hit and run	$2056	$349

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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 Kemper at $331 for a six-month policy. However, it can be as expensive as $2900 with companies like Farm Bureau.

San Jose car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$331	$56
Central Insurance	$404	$69
USAA	$874	$147
State Farm	$936	$158
Progressive	$949	$160
Nationwide	$1321	$225
Farmers	$1377	$232
Allstate	$1769	$298
Farm Bureau	$2900	$483

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 Iowa Farm Bureau at $251. However, it can be as expensive as $3022 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
Iowa Farm Bureau	$251	$42
State Farm	$637	$107
USAA	$637	$108
Progressive	$1205	$203
Farm Bureau	$1701	$289
Allstate	$3022	$504
Farmers	$3022	$514

Car Insurance Price Trends in San Jose, New Mexico

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 remained steady at $228 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the San Jose remained steady at $52 in both February and January, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in San Jose?

The car insurance in San Jose is $22 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 $125 per month for full coverage.

How much is car insurance in San Jose for teenagers?

Car insurance for teenagers costs $190 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 $1056 for a six-month policy. It will cost around $182 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.

What is the best car insurance in San Jose, NM?

The best car insurance company in San Jose NM is USAA, offering $741 for a six-month policy.