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.
If you have a loan or lease on your vehicle, the lender will require
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 |
| $83 | $1,001 | National General | 42 | August 1, 2025 | San Jose, CA | 95116 |
| $84 | $1,014 | Mercury | 41 | June 19, 2025 | San Jose, CA | 95134 |
| $85 | $1,018 | ROOT | 39 | August 17, 2025 | San Jose, CA | 95129 |
| $85 | $1,018 | ROOT | 23 | July 31, 2025 | San Jose, CA | 95139 |
| $86 | $1,030 | Progressive | 41 | June 19, 2025 | San Jose, CA | 95132 |
| $86 | $1,032 | Progressive | 61 | June 1, 2025 | San Jose, CA | 95127 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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 |
| $56 | $666 | ROOT | 22 | No | August 15, 2025 | San Jose, CA | 95127 |
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
|
|---|---|---|---|---|---|---|---|
| $35 | $423 | Aspire Advantage | 39 | No | August 10, 2025 | San Jose, CA | 95125 |
| $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 |
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 |
| $51 | $618 | National General | 69 | No | August 5, 2025 | San Jose, CA | 95124 |
| $53 | $636 | ROOT | 71 | No | August 8, 2025 | San Jose, CA | 95148 |
| $53 | $637 | National General | 61 | No | July 24, 2025 | San Jose, CA | 95122 |
| $59 | $706 | ROOT | 70 | No | August 12, 2025 | San Jose, CA | 95133 |
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
|
|---|---|---|---|---|---|---|---|
| $35 | $423 | Aspire Advantage | 39 | August 10, 2025 | No | San Jose, CA | 95125 |
| $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 |
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 |
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 |
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 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from 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 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.
