One of the many criteria that are looked at to determine the price you pay for insurance is where you keep your vehicle in San Jose. Areas with more people or higher crime rates tend to pay slightly more, whereas areas with less congestion have the luxury of lower rates.
The illustration below shows the most expensive areas in California for government employees to buy an auto insurance policy in. San Jose shows up at #18 costing $1,423 for the average policy, which is about $119 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,058 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,755 |
| 5 | Sacramento | $1,652 |
| 6 | San Bernardino | $1,580 |
| 7 | Garden Grove | $1,570 |
| 8 | Long Beach | $1,562 |
| 9 | Stockton | $1,556 |
| 10 | Fontana | $1,535 |
| 11 | Santa Clarita | $1,533 |
| 12 | Riverside | $1,527 |
| 13 | Fresno | $1,517 |
| 14 | Moreno Valley | $1,506 |
| 15 | Modesto | $1,502 |
| 16 | Anaheim | $1,474 |
| 17 | Santa Ana | $1,439 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,416 |
| 20 | Fremont | $1,403 |
| 21 | San Diego | $1,381 |
| 22 | Bakersfield | $1,381 |
| 23 | Irvine | $1,330 |
| 24 | Chula Vista | $1,311 |
| 25 | Oxnard | $1,304 |
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Rates are estimated as zip code location can impact rates significantly.
The car, truck, or SUV requiring coverage is a large factor when shopping around for the most economical coverage for government employees. Vehicles with lots of speed or power, a lack of modern safety features, or a history of substantial liability claims will cost much more to insure than more economical and safe models. The list below shows car insurance rates for some of the cheapest automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra SE Touring Station Wagon | $946 |
| Volkswagen Jetta S 2.5 Station Wagon | $952 |
| Toyota Prius | $965 |
| Dodge Grand Caravan CV | $976 |
| Ford Explorer XLT AWD | $986 |
| Ford Edge Limited 2WD | $1,011 |
| Ford Focus SE 4-Dr Sedan | $1,018 |
| Honda CR-V EX 4WD | $1,011 |
| Ford Escape XLT 4WD | $1,018 |
| Chevrolet Malibu LT | $1,049 |
| Ford F-150 FX2 2WD | $1,054 |
| Toyota Corolla S | $1,087 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $1,106 |
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Prices do not factor in specific garaging location which can affect coverage rates noticeably.
Looking at the rates, you can conclude that models like the Hyundai Elantra, Volkswagen Jetta, and Toyota Prius should be some of the most budget-friendly vehicles to insure for state and federal workers.
Picking a good quality auto insurance company can be a challenge considering how many different insurance companies sell coverage in San Jose. The ranking data in the next section can help you analyze which companies to look at shopping your coverage with. The ratings below are for the largest auto insurers in America, so companies that may only write in California are not taken into consideration for this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Types of discounts on San Jose auto insurance
Insurance providers that offer quotes for government employees may also give you special discounts that can reduce rates by as much as 40% or more if you meet the requirements. Large auto insurance companies and their possible discounts can be read below.
- State Farm has discounts for accident-free, student away at school, Steer Clear safe driver discount, safe vehicle, and passive restraint.
- Nationwide may offer discounts for good student, defensive driving, accident-free, easy pay, family plan, multi-policy, and Farm Bureau membership.
- GEICO may include discounts for seat belt use, membership and employees, emergency military deployment, defensive driver, anti-theft, military active duty, and driver training.
- AAA offers premium reductions for anti-theft, pay-in-full, multi-car, education and occupation, good driver, and AAA membership discount.
- 21st Century may have discounts that include homeowners, air bags, anti-lock brakes, teen driver, defensive driver, and early bird.
- The Hartford offers discounts for driver training, air bag, defensive driver, good student, anti-theft, vehicle fuel type, and bundle.
The illustration below shows the comparison of auto insurance costs with and without discounts applied to the rates. The price estimates are based on a female driver, no claims, a clean driving record, California state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with passive restraint, accident-free, safe-driver, homeowner, claim-free, and multiple policy discounts applied. With discounts applied, theaverage amount saved on auto insurance for government employees is 28% or $661.
Cautious drivers save money
A great way to obtain affordable auto insurance rates in California for state and federal workers is to be a safe driver and have a clean driving record. The information below demonstrates how traffic citations and fender-benders can raise insurance costs for different age groups. The premiums are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.
The data charted above shows the average cost of an auto insurance policy in California per year with no violations or accidents is $2,157. Add in one speeding ticket and the average cost rises to $2,476, an increase of $319 each year. Now throw in one accident along with the one speeding ticket and the 12-month cost of auto insurance for government employees increases to an average of $3,374. That’s an increase of $1,217, or $101 per month, just for not being a responsible driver!
Tips to find budget-friendly car insurance for government employees
The list below details many penny-pinching solutions that can help California drivers quote more affordable coverage.
- Avoid accidents
- Clean up your credit
- You will pay more if you get tickets or have at-fault accidents
- Save money by insuring your home and auto with the same company
- Increase deductibles to save money
- Claim-free policyholders usually earn a discount
- Ensure you have the best deal by shopping around regularly
The last tip in the list is notably valuable, as we noted in the prior article. Prices charged by auto insurers can be changed at any time, so don’t be unwilling to switch carriers if a better deal can be had. Being loyal to a particular company is commendable, but it isn’t a good idea if that loyalty results in overpaying several hundred dollars every year. In just a couple of minutes you could compare prices and find cheaper auto insurance for government employees in San Jose.
The agents below are a good start to answer your questions and help you decide which insurance coverage will be best for you, since lots of people like to get some guidance when shopping around for cheaper insurance for state and federal workers. It’s not always easy to find the best policy yourself, so professional agents can give peace of mind knowing your coverage gives you sufficient coverage for your assets.
To locate a San Jose insurance agent close to where you live, click the button at the bottom.
- Gary Sanchez – State Farm Insurance Agent
2053 Lincoln Ave a – San Jose, CA 95125 – (408) 269-5001 - Taylor Benefits Insurance Agency
4820 Harwood Rd #130 – San Jose, CA 95124 – (408) 358-7502 - Mission Counties Insurance Agency
1777 Hamilton Ave – San Jose, CA 95125 – (408) 979-8160