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.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $40 | $480 | National General | 60 | December 25, 2024 | San Jose, CA | 95128 |
| $41 | $496 | Aspire Advantage | 70 | July 27, 2024 | San Jose, CA | 95118 |
| $44 | $528 | National General | 55 | September 29, 2024 | San Jose, CA | 95116 |
| $45 | $539 | National General | 33 | December 10, 2024 | San Jose, CA | 95129 |
| $47 | $570 | Aspire Advantage | 59 | July 22, 2024 | San Jose, CA | 95125 |
| $48 | $572 | National General | 59 | December 10, 2024 | San Jose, CA | 95136 |
| $48 | $575 | National General | 33 | September 12, 2024 | San Jose, CA | 95111 |
| $49 | $585 | Aspire Advantage | 44 | November 6, 2024 | San Jose, CA | 95117 |
| $49 | $588 | National General | 37 | December 31, 2024 | San Jose, CA | 95123 |
| $49 | $593 | Aspire Advantage | 33 | September 3, 2024 | San Jose, CA | 95132 |
If you have a loan or lease on your vehicle, the lender will require
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.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $55 | $664 | National General | 39 | June 28, 2024 | San Jose, CA | 95123 |
| $64 | $766 | Progressive | 33 | January 21, 2025 | San Jose, CA | 95123 |
| $66 | $788 | Aspire Advantage | 51 | December 2, 2023 | San Jose, CA | 95135 |
| $102 | $1,223 | Aspire Advantage | 44 | December 4, 2024 | San Jose, CA | 95112 |
| $104 | $1,246 | Progressive | 54 | April 23, 2025 | San Jose, CA | 95111 |
| $104 | $1,252 | Anchor General | 43 | December 29, 2024 | San Jose, CA | 95117 |
| $106 | $1,278 | National General | 46 | April 15, 2025 | San Jose, CA | 95123 |
| $112 | $1,348 | Anchor General | 61 | December 6, 2023 | San Jose, CA | 95126 |
| $114 | $1,372 | Progressive | 35 | February 24, 2025 | San Jose, CA | 95130 |
| $119 | $1,422 | Anchor General | 52 | April 13, 2025 | San Jose, CA | 95134 |
Cheapest car insurance for young drivers in San Jose (18-29 years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $55 | $655 | Aspire Advantage | 29 | No | July 17, 2024 | San Jose, CA | 95134 |
| $59 | $710 | National General | 29 | No | January 30, 2025 | San Jose, CA | 95112 |
| $60 | $716 | Anchor General | 28 | No | November 12, 2024 | San Jose, CA | 95133 |
| $61 | $736 | Aspire Advantage | 28 | No | February 10, 2025 | San Jose, CA | 95133 |
| $63 | $756 | National General | 28 | No | February 11, 2025 | San Jose, CA | 95132 |
Cheapest car insurance for mature drivers in San Jose (30-54 years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $45 | $537 | National General | 53 | No | February 17, 2025 | San Jose, CA | 95128 |
| $45 | $539 | National General | 33 | No | December 10, 2024 | San Jose, CA | 95129 |
| $45 | $545 | National General | 51 | No | January 20, 2025 | San Jose, CA | 95128 |
| $46 | $550 | Progressive | 43 | No | April 20, 2025 | San Jose, CA | 95118 |
| $47 | $567 | National General | 45 | No | February 6, 2025 | San Jose, CA | 95125 |
Cheapest car insurance for older drivers (55+ years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $40 | $480 | National General | 60 | No | December 25, 2024 | San Jose, CA | 95128 |
| $41 | $496 | Aspire Advantage | 70 | No | July 27, 2024 | San Jose, CA | 95118 |
| $44 | $528 | National General | 55 | No | September 29, 2024 | San Jose, CA | 95116 |
| $45 | $538 | Aspire Advantage | 55 | No | February 17, 2025 | San Jose, CA | 95127 |
| $47 | $570 | Aspire Advantage | 59 | No | July 22, 2024 | San Jose, CA | 95125 |
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.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $40 | $480 | National General | 60 | December 25, 2024 | No | San Jose, CA | 95128 |
| $41 | $496 | Aspire Advantage | 70 | July 27, 2024 | No | San Jose, CA | 95118 |
| $44 | $528 | National General | 55 | September 29, 2024 | No | San Jose, CA | 95116 |
| $45 | $537 | National General | 53 | February 17, 2025 | No | San Jose, CA | 95128 |
| $45 | $538 | Aspire Advantage | 55 | February 17, 2025 | No | San Jose, CA | 95127 |
| $45 | $539 | National General | 33 | December 10, 2024 | No | San Jose, CA | 95129 |
| $45 | $545 | National General | 51 | January 20, 2025 | No | San Jose, CA | 95128 |
| $47 | $567 | National General | 45 | February 6, 2025 | No | San Jose, CA | 95125 |
| $47 | $570 | Aspire Advantage | 59 | July 22, 2024 | No | San Jose, CA | 95125 |
| $47 | $570 | Aspire Advantage | 56 | March 25, 2025 | No | San Jose, CA | 95134 |
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
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With Injury | $52 | $630 | National General | 31 | No | February 6, 2025 | San Jose, CA | 95126 |
| At Fault With Injury | $55 | $660 | Aspire Advantage | 61 | No | August 28, 2024 | San Jose, CA | 95132 |
| At Fault With Injury | $58 | $699 | Aspire Advantage | 61 | No | December 1, 2024 | San Jose, CA | 95110 |
| At Fault With Injury | $65 | $776 | National General | 41 | No | November 26, 2024 | San Jose, CA | 95127 |
| At Fault With No Injury | $66 | $788 | Aspire Advantage | 51 | Yes | December 2, 2023 | San Jose, CA | 95135 |
Cheapest car insurance for drivers with speeding tickets in San Jose
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $55 | $656 | Aspire Advantage | 30 | August 6, 2024 | San Jose, CA | 95128 |
| Speeding under 15 | $55 | $660 | Aspire Advantage | 61 | August 28, 2024 | San Jose, CA | 95132 |
| Speeding under 15 | $67 | $808 | Aspire Advantage | 66 | May 30, 2024 | San Jose, CA | 95125 |
| Speeding under 15 | $69 | $832 | Aspire Advantage | 35 | August 12, 2024 | San Jose, CA | 95111 |
| Speeding under 15 | $71 | $856 | National General | 30 | June 22, 2024 | San Jose, CA | 95116 |
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
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $53 | $631 | National General | 31 | December 14, 2024 | San Jose, CA | 95112 |
| DUI | $58 | $698 | Aspire Advantage | 33 | November 7, 2023 | San Jose, CA | 95123 |
| DUI | $74 | $884 | National General | 35 | August 24, 2024 | San Jose, CA | 95133 |
| DUI | $101 | $1,215 | Aspire Advantage | 44 | December 28, 2023 | San Jose, CA | 95126 |
| DUI | $125 | $1,499 | Aspire Advantage | 31 | February 13, 2024 | San Jose, CA | 95123 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor 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 is a writer and editor 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.
