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Car Insurance Costs in San Jose, CA

San Jose, California, is a dynamic and bustling city located in the heart of Silicon Valley. As the third-largest city in California, the downtown area boasts a mix of modern skyscrapers, historic buildings, and cultural landmarks that will have every driver ready to hit the road for an adventure.

San Jose drivers have multiple cheap car insurance coverage options when comparing free quotes & rates from local providers. We will break down the average auto insurance policy costs for the city throughout this guide:

Which Company Has the Cheapest Car Insurance in San Jose?

In San Jose, CA on average the cheapest auto insurance provider is GEICO and AAA. State minimum coverage starts at $46 monthly or $557 a year – Full coverage would cost $216 a month or $2,598 a year.

Here is a breakdown of average costs from the cheapest local insurance providers near you from a huge data set of used-car drivers who are single, middle aged and have a clean California driving record:

California Insurance Costs for Different Used Vehicle Types:

To determine how much you can expect to pay for your insurance based on vehicle type we averaged multiple cost quotes in CA and pulled data for used vehicles such as a BMW 4 Series, Chevy Bolt, Honda CRV, Nissan Titan, and a Toyota Camry.

Vehicle Type:Minimum Liability:Monthly:Full Coverage:Monthly:
Luxury Coupe$899$75$5,114$426
Hybrid Electric$963$80$3,688$307
Car (4door)$979$82$3,501$292

California Insurance Costs for New Cars

We pulled cost data for new 2022-2023 vehicles as well to give you an idea of the difference in rates for newer cars vs. a used vehicle.

Vehicle Type:Minimum Liability:Monthly:Full Coverage:Monthly:
Car (4door)$980$82$4,277$356
Hybrid Electric$989$82$4,567$381
Luxury Coupe$968$81$6,434$536

Car Insurance Requirements in CA

In California cities the minimum coverage for car insurance and liability insurance required is:

How Does Age Affect Your Auto Policy Rates in California?

In California, age is a significant factor that influences car insurance costs. Generally, younger drivers tend to face higher insurance premiums compared to older, more experienced drivers. This is primarily because statistics show that younger drivers, particularly teenagers and individuals in their early twenties, are more likely to be involved in accidents due to their limited driving experience and higher risk-taking behavior on the road.

Insurance companies in California consider younger drivers as higher-risk customers, leading to higher premiums to compensate for the increased likelihood of claims. As drivers gain more experience and develop safer driving habits over time, their insurance rates generally decrease.

Here is a breakdown of the average costs for car insurance based on age in California:

Age:State Minimum:Monthly:Full Coverage:Monthly Cost:

Compare Rates from Other CA Cities

In California your auto insurance quote rates will vary depending on which city you live in. Insurance providers often have higher policy rates in heavily populated cities like Los Angeles and cheaper rates for residents in more rural densely populated cities. Here is a breakdown of costs for all cities in California for state minimum and full coverage:

CA City:Minimum Liability:Monthly:Full Coverage:Monthly:
Casa de Oro-Mount Helix$974$81$4,132$344
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