Cheap Car Insurance in San Jose, California

Written by Xuyun Zeng and 2 others
Updated Jul 29, 2025
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Cheap Car Insurance in San Jose, California

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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 Quote
City, State
ZIP Code

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 Quote
City, State
ZIP Code
$70 $846 Progressive 57 March 2, 2025 San Jose, CA 95120
$71 $850 Clearcover 32 June 6, 2025 San Jose, CA 95134
$82 $982 Progressive 36 July 9, 2025 San Jose, CA 95134
$82 $984 Mercury 43 June 21, 2025 San Jose, CA 95129
$84 $1,014 Mercury 41 June 19, 2025 San Jose, CA 95134
$86 $1,030 Progressive 41 June 19, 2025 San Jose, CA 95132
$86 $1,032 Progressive 61 June 1, 2025 San Jose, CA 95127
$86 $1,036 ROOT 44 June 23, 2025 San Jose, CA 95131
$87 $1,040 Mercury 35 March 8, 2025 San Jose, CA 95128
$88 $1,058 Mercury 44 June 22, 2025 San Jose, CA 95112
Last Updated Jul 30, 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:
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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 Quote
City, State
ZIP Code
$38 $451 Geico 27 No July 16, 2025 San Jose, CA 95126
$51 $618 National General 27 No July 11, 2025 San Jose, CA 95123
$52 $629 National General 26 No July 28, 2025 San Jose, CA 95112
$53 $636 Progressive 28 No May 14, 2025 San Jose, CA 95117
$55 $663 Geico 28 No February 12, 2025 San Jose, CA 95126
Last Updated Jul 30, 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 Quote
City, State
ZIP Code
$36 $431 Geico 37 No July 12, 2025 San Jose, CA 95127
$39 $465 Geico 43 No April 2, 2025 San Jose, CA 95127
$39 $469 Geico 35 No July 19, 2025 San Jose, CA 95122
$41 $494 Geico 30 No June 26, 2025 San Jose, CA 95136
$43 $513 Aspire Advantage 41 No June 21, 2025 San Jose, CA 95127
Last Updated Jul 30, 2025

Cheapest car insurance for older drivers (55+ years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$42 $504 Progressive 62 No July 24, 2025 San Jose, CA 95110
$52 $627 National General 65 No June 16, 2025 San Jose, CA 95110
$53 $637 National General 61 No July 24, 2025 San Jose, CA 95122
$56 $667 National General 56 No February 10, 2025 San Jose, CA 95148
$62 $740 ROOT 63 No May 30, 2025 San Jose, CA 95125
Last Updated Jul 30, 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 Quote
Has Full Coverage
City, State
ZIP Code
$36 $431 Geico 37 July 12, 2025 No San Jose, CA 95127
$38 $451 Geico 27 July 16, 2025 No San Jose, CA 95126
$39 $465 Geico 43 April 2, 2025 No San Jose, CA 95127
$39 $469 Geico 35 July 19, 2025 No San Jose, CA 95122
$41 $494 Geico 30 June 26, 2025 No San Jose, CA 95136
$42 $504 Progressive 62 July 24, 2025 No San Jose, CA 95110
$43 $513 Aspire Advantage 41 June 21, 2025 No San Jose, CA 95127
$43 $513 Aspire Advantage 41 June 20, 2025 No San Jose, CA 95132
$43 $519 Aspire Advantage 42 July 7, 2025 No San Jose, CA 95116
$44 $529 Aspire Advantage 37 July 14, 2025 No San Jose, CA 95125
Last Updated Jul 30, 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 $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
At Fault With Injury $55 $660 Aspire Advantage 61 No August 28, 2024 San Jose, CA 95132
At Fault With No Injury $56 $676 Aspire Advantage 32 No October 9, 2024 San Jose, CA 95132
Last Updated Jul, 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 $42 $506 Progressive 48 July 21, 2025 San Jose, CA 95117
Speeding under 15 $51 $610 National General 31 May 11, 2025 San Jose, CA 95127
Speeding under 15 $52 $619 National General 32 June 24, 2025 San Jose, CA 95126
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
Last Updated Jul 29, 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 $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 $53 $631 National General 31 December 14, 2024 San Jose, CA 95112
DUI $60 $725 National General 29 January 6, 2025 San Jose, CA 95116
Last Updated Jul, 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
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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.