Cheap Car Insurance in San Jose, California

Written by Xuyun Zeng and 2 others
Updated Jul 12, 2025
Insurance price card

Cheap Car Insurance in San Jose, California

No long forms No spam or unwanted phone calls Quotes from top insurance companies

You’re minutes away from insurance savings.

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 shopping for auto insurance, 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.

More: Best car insurance in California

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 per accident.

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
$33 $402 Progressive 44 December 11, 2024 San Jose, CA 95122
$39 $466 National General 32 November 14, 2024 San Jose, CA 95135
$39 $472 National General 34 December 18, 2024 San Jose, CA 95125
$40 $480 National General 60 December 25, 2024 San Jose, CA 95128
$40 $486 National General 37 December 31, 2024 San Jose, CA 95123
$41 $496 Aspire Advantage 70 July 27, 2024 San Jose, CA 95118
$41 $497 National General 45 November 4, 2024 San Jose, CA 95122
$42 $504 National General 33 September 27, 2024 San Jose, CA 95132
$42 $508 National General 59 September 30, 2024 San Jose, CA 95111
$42 $508 National General 54 November 27, 2024 San Jose, CA 95111
Last Updated Jul 12, 2025

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.

SAVE IN MINUTES WITH SIMPLIFIED HOME + AUTO BUNDLING

More: Get cheap car insurance in California

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.

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
$72 $864 Mercury 34 July 4, 2025 San Jose, CA 95123
$73 $882 Aspire Advantage 25 December 8, 2024 San Jose, CA 95112
$82 $984 Progressive 34 March 31, 2025 San Jose, CA 95134
$93 $1,113 National General 45 June 2, 2025 San Jose, CA 95112
$97 $1,170 Mercury 35 June 10, 2025 San Jose, CA 95112
$102 $1,223 Aspire Advantage 44 December 4, 2024 San Jose, CA 95112
$103 $1,236 Progressive 38 June 18, 2025 San Jose, CA 95134
$104 $1,252 Anchor General 43 December 29, 2024 San Jose, CA 95117
$106 $1,267 National General 29 May 19, 2025 San Jose, CA 95138
$106 $1,273 National General 50 June 16, 2025 San Jose, CA 95112
Last Updated Jul 13, 2025

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

Average monthly quote:
$–
COMPARE QUOTES
Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

More: Best car insurance companies

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
$50 $600 National General 29 No June 3, 2025 San Jose, CA 95127
$54 $643 National General 29 No July 3, 2025 San Jose, CA 95134
$54 $646 National General 29 No April 22, 2025 San Jose, CA 95111
$54 $649 National General 25 No May 27, 2025 San Jose, CA 95134
$55 $655 Aspire Advantage 29 No July 17, 2024 San Jose, CA 95134
Last Updated Jul 12, 2025

More: Get cheap car insurance the smart way, today

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
$39 $466 National General 32 No November 14, 2024 San Jose, CA 95135
$39 $472 National General 34 No December 18, 2024 San Jose, CA 95125
$40 $480 Progressive 32 No January 9, 2025 San Jose, CA 95112
$41 $497 National General 45 No November 4, 2024 San Jose, CA 95122
$42 $500 Mercury 34 No May 1, 2025 San Jose, CA 95128
Last Updated Jul 13, 2025

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
$35 $424 Progressive 55 No June 10, 2025 San Jose, CA 95132
$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
$46 $549 Bristol West 70 No October 3, 2024 San Jose, CA 95127
Last Updated Jul 13, 2025

More: Best car insurance for seniors

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
$33 $402 Progressive 44 December 11, 2024 No San Jose, CA 95122
$35 $424 Progressive 55 June 10, 2025 No San Jose, CA 95132
$39 $466 National General 32 November 14, 2024 No San Jose, CA 95135
$39 $472 National General 34 December 18, 2024 No San Jose, CA 95125
$40 $480 National General 60 December 25, 2024 No San Jose, CA 95128
$40 $486 National General 37 December 31, 2024 No San Jose, CA 95123
$41 $496 Aspire Advantage 70 July 27, 2024 No San Jose, CA 95118
$41 $497 National General 45 November 4, 2024 No San Jose, CA 95122
$42 $501 National General 38 May 10, 2025 No San Jose, CA 95128
$42 $504 National General 33 September 27, 2024 No San Jose, CA 95132
Last Updated Jul 12, 2025

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 $43 $522 Aspire Advantage 33 No August 25, 2024 San Jose, CA 95110
At Fault With Injury $46 $551 National General 53 No July 7, 2025 San Jose, CA 95122
At Fault With Injury $49 $586 National General 44 No March 18, 2025 San Jose, CA 95127
At Fault With Injury $50 $601 National General 41 No October 29, 2024 San Jose, CA 95148
At Fault With Injury $52 $619 National General 32 No June 24, 2025 San Jose, CA 95126
Last Updated Jul 13, 2025

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 $52 $619 National General 32 June 24, 2025 San Jose, CA 95126
Speeding under 15 $53 $642 Progressive 40 June 4, 2025 San Jose, CA 95110
Speeding under 15 $54 $652 Progressive 41 December 2, 2024 San Jose, CA 95117
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
Last Updated Jul 13, 2025

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 $40 $480 Progressive 32 January 9, 2025 San Jose, CA 95112
DUI $45 $542 Aspire Advantage 35 June 25, 2024 San Jose, CA 95129
DUI $46 $552 National General 41 December 15, 2024 San Jose, CA 95132
DUI $52 $626 National General 46 January 8, 2025 San Jose, CA 95121
DUI $52 $626 Progressive 41 February 19, 2025 San Jose, CA 95119
Last Updated Jul 13, 2025

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.

MEET OUR EXPERTS
meet-experts-thumbnail
Xuyun Zeng

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.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.