San Jose Home Insurance Costs (2026)

How much is homeowners insurance in San Jose?

Homeowners insurance in San Jose averages $86 a month for the house we priced, with rates as of Sept. 30, 2026. The 3 major insurers we compared are Mercury, CSAA (AAA: ask about membership) and Farmers, and each one priced our sample home in all 27 San Jose ZIP codes in our data, in Santa Clara County. For this house, San Jose is the 3rd least expensive of the 30 California cities in our data with at least 5 ZIP codes, and below the California average of $111 a month.

Our figures are for a $300,000 dwelling, which works out to about $3.44 a year for each $1,000 of dwelling coverage in San Jose; insuring a larger or costlier house for more usually costs more, though not always in step with the limit.

For the same insurers and ZIP codes, the San Jose average fell 1.4% since Nov. 2025, from $1,039 a year ($87 a month) on Nov. 30, 2025, to $1,025 ($85) on Sept. 30, 2026, as Mercury’s fell 3.3% and the other insurers’ prices didn’t change.

Homeowners insurance averages by insurer in San Jose for our sample home (rates as of Sept. 30, 2026)

Mercury averaged $71 a month ($851 a year), CSAA (AAA: ask about membership) $88 ($1,050) and Farmers $100 ($1,199) for our sample home.

Same sample home: each insurer’s average yearly price in the same San Jose ZIP codes, Nov. 30, 2025 and Sept. 30, 2026

All 2 insurers in the table priced the same 27 San Jose ZIP codes on both dates. Priced on only one date, so not in the table: CSAA (AAA: ask about membership) (Sept. 30, 2026 only).

By ZIP code: each insurer’s yearly price for the same house changed with the San Jose address:

• Mercury ran from $694 a year in 95133 to $1,053 in 95111.
• CSAA (AAA: ask about membership) ran from $780 a year in 95110 to $1,404 in 95135.
• Farmers ran from $1,055 a year in 11 ZIP codes, including 95117 to $1,437 in 9 ZIP codes, including 95110.

Who has the cheapest homeowners insurance in San Jose?

Mercury had the lowest home average for our sample home of the insurers anyone can buy from, $71 a month ($851 a year), 29.1% below Farmers’ $1,199 a year, the next of those insurers. It may not be the lowest for your house, so compare a few quotes.

What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In San Jose, ZIP code averages for this house ran from $73 to $104 a month, while insurers’ San Jose averages ran from $71 to $100.

Same house, different city: how does San Jose compare?

The same sample home costs $86 a month in San Jose, $80 in Santa Barbara, $86 in San Francisco, $89 in Salinas, $90 in Burbank, $90 in Torrance, $94 in Pasadena, $95 in Santa Rosa, $96 in Glendale, $99 in Whittier, $100 in Santa Monica, $102 in Long Beach, $104 in Modesto, $105 in Garden Grove, $109 in Santa Ana, $109 in Chula Vista, $109 in San Diego, $111 in Berkeley, $113 in Anaheim, $113 in Bakersfield, $118 in Orange, $119 in Oakland, $120 in Sacramento, $120 in Irvine, $122 in Fresno, $125 in Stockton, $128 in San Bernardino, $130 in Riverside, $133 in Los Angeles and $136 in Inglewood, the 30 California cities in our data with at least 5 ZIP codes.

Same sample home: average home insurance prices in San Jose, other California cities and the state (rates as of Sept. 30, 2026)

Each city covers the ZIP codes in our rate data with that city as their main mailing address; every row prices the same house.

Santa Barbara has the lowest average of these California cities, $80 a month, and Inglewood the highest, $136; San Jose sits between them.

Compared with Los Angeles, the California city with the most ZIP codes in our data (57), the same house costs 35.2% less to insure in San Jose.

Across the U.S., 2 of the other 291 cities in our data with at least 5 ZIP codes priced have a lower average for this house than San Jose, and 289 a higher one.

For the statewide picture, see home insurance costs in California, Los Angeles home insurance costs and San Diego home insurance costs.

Compare all states: home insurance costs for the same house in all 50 states and D.C.

How much is homeowners insurance on a $300,000 house in San Jose?

For a house with $300,000 of rebuilding coverage and a $1,000 deductible, homeowners insurance in San Jose averages $86 a month ($1,033 a year) across the 3 insurers we compared in 27 ZIP codes (rates as of Sept. 30, 2026). That’s 22.7% below the $111-a-month California average for the same house. Insurers’ averages for that same house ran from $71 to $100 a month.

Why your San Jose quote may differ from these prices

Use our one-house figures as a starting point when you compare homeowners insurance quotes for yours.

Your roof: Our sample house has a composition roof, and we priced it without a roof age. Insurers often charge more for older roofs, so ask how your roof’s age and material change your quote.

Your claims and credit: a recent claim, or weaker credit where an insurer uses it, can push a San Jose quote above the $86 a month our claim-free, good-credit owner averages.

Your deductibles: our house has one $1,000 deductible for covered losses other than a hurricane. If your policy has a separate percentage deductible for wind and hail, your premium and your out-of-pocket cost after a storm will both differ from ours.

What drives home insurance prices in San Jose?

For our sample house, San Jose is the 3rd least expensive of the 30 California cities in our data with at least 5 ZIP codes, and 66.7% below the average of the 50 states and D.C. Our figures don’t separate causes; these official records show what San Jose homes face.

The U.S. Geological Survey says there is a 72 percent probability of at least one earthquake of magnitude 6.7 or greater in the San Francisco Bay region from 2014 to 2043.

On Feb. 21, 2017, Coyote Creek flooding inundated hundreds of homes in San Jose and forced thousands of residents to evacuate, according to Valley Water, the county’s public water and flood protection agency.

California Earthquake Authority home policies cover the first $1,500 of emergency repairs with no deductible, the California Department of Insurance says.

How to find cheaper home insurance in San Jose

For our sample home, insurers’ San Jose averages ran from $851 to $1,199 a year. These are the levers you control; how much each one moves a quote depends on the insurer and the house, and none of them comes with a promised price.

Compare at least three insurers: even one insurer’s price moves a lot by address: CSAA’s (AAA: ask about membership) for our sample home ran from $780 to $1,404 a year depending on the San Jose ZIP code.

Price two deductibles: ask each insurer for the premium at your current deductible and one step higher, and keep any percentage wind and hail deductible in dollars in mind (2% of $300,000 is $6,000, about 70 months of San Jose’s $86-a-month average premium).

Ask about a tougher roof and safety devices: impact-resistant roofing, smoke detectors, burglar alarms and dead-bolt locks are common discounts to ask about.

Bundle with care: some insurers take roughly 5% to 15% off when you buy home and car insurance together, the Insurance Information Institute says; compare both ways before you decide.

Keep the coverage you need: insuring at least 80% of the rebuilding cost protects you on partial losses, so a lower price that comes from a lower limit can cost you after a large claim.

Guard a clean record: our sample owner has no claims in 10 years, and the $86-a-month San Jose average assumes that clean record; a recent claim can raise a quote.

How much is renters insurance in San Jose?

Renters insurance for our sample renter averages $17 a month ($203 a year) in San Jose. For our sample renter, prices among the 3 insurers we compared ranged from $13 to $23 a month, a $10-a-month gap for the same coverage.

Renters insurance averages by insurer in San Jose for our sample renter (rates as of Sept. 30, 2026)

Mercury averaged $13 a month ($156 a year), CSAA (AAA: ask about membership) $15 ($183) and Farmers $23 ($270) for our sample renter.

We don’t name a lowest renters insurer in San Jose (the methodology explains when we do); the renters table above lists every insurer’s average for the same renter, from $13 to $23 a month.

For renters insurance, San Jose is the 3rd least expensive of the 30 California cities in our data with at least 5 ZIP codes: its average is 15.7% below the California renters average of $240 a year ($20 a month) and 20.9% below the average of the 50 states and D.C., $256 a year ($21 a month). Among the 292 U.S. cities in our data with at least 5 ZIP codes priced, 38 have a lower renters average for our sample renter than San Jose, 253 a higher one. Our sample renter’s policy costs about 20% of what our sample home costs to insure in San Jose.

For the same insurers and ZIP codes, the San Jose renters average barely moved since Nov. 2025: it fell 0.2%, staying at $17 a month, as Mercury’s fell 0.9% and the other insurers’ prices didn’t change.

By ZIP code, the San Jose renters average for our sample renter ran from $16 a month in 95130 to $18 in 95135. Of the 27 ZIP codes, 6 averaged more than the city’s $17 a month for our sample renter, 5 less and 16 the same.

Each insurer’s yearly renters price for our sample renter by San Jose ZIP code:

• Mercury ran from $155 a year in 21 ZIP codes, including 95116 to $164 in 95136.
• CSAA (AAA: ask about membership) ran from $172 a year in 9 ZIP codes, including 95110 to $200 in 6 ZIP codes, including 95118.
• Farmers ran from $250 a year in 95134 to $322 in 95135.

Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Sept. 30, 2026, from 81 sample prices by 3 insurers across 27 San Jose ZIP codes.

• $40K belongings
• $300K liability
• $1,000 deductible

What does renters insurance cover in a San Jose apartment?

Your landlord’s insurance is for the building; a renters policy is for your belongings and your liability. The policy we priced pays up to $40,000 for belongings after a covered fire, storm or burglary and $300,000 if you’re responsible for someone’s injury or property damage. In San Jose, that package averages $17 a month; flood and earthquake damage need separate coverage.

How we got these renters prices: each insurer’s average across the 27 San Jose ZIP codes in our data. Sample prices, not quotes or offers.

You may also want to compare: car + home insurance in San Jose

Many San Jose homeowners insure a car too. Some insurers take roughly 5% to 15% off when you buy home and car insurance from them together (Insurance Information Institute), but the same insurer has to write both policies, and buying both from one insurer isn’t always the lower-priced choice, so compare both ways.

See car insurance rates in San Jose · California car insurance rates · How bundling home and auto insurance works