Who Has Affordable Car Insurance for Drivers with Good Credit in San Jose?

For financially responsible drivers, one of the largest considerations that are looked at to help calculate the amount you pay each year for auto insurance is where you keep your vehicle in San Jose. Cities with larger populations tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents get the luxury of paying less.

The following table lists the most expensive cities in California for drivers with good credit to buy an auto insurance policy in. San Jose makes the list at #18 with the yearly price of $1,395 for the average insurance policy, which is approximately $116 each month.

How much is auto insurance in San Jose, CA?
Rank City Annual Premium
1 Los Angeles $2,104
2 Glendale $2,058
3 Sacramento $1,720
4 San Francisco $1,693
5 Oakland $1,687
6 San Bernardino $1,644
7 Long Beach $1,610
8 Stockton $1,588
9 Santa Clarita $1,580
10 Garden Grove $1,570
11 Moreno Valley $1,551
12 Fontana $1,519
13 Fresno $1,517
14 Modesto $1,487
15 Riverside $1,482
16 Anaheim $1,444
17 Santa Ana $1,439
18 San Jose $1,395
19 Irvine $1,384
20 San Diego $1,381
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Premium costs are estimated as zip code location can revise rates greatly.

Establishing which company quotes the cheapest car insurance rates for drivers with good credit will require a little more effort in order to find a policy that fits your budget.

Each insurer has a unique approach for setting prices, so to begin we’ll rank the car insurance companies with the overall cheapest rates in California. It’s important that you understand San Jose car insurance rates are influenced by many factors which can significantly increase or decrease the price of your policy. Turning one year older, adding a teenager to your policy, or getting a DUI can cause premium changes that can now make some companies cheaper than others.

Best Insurance Companies for High Credit

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Rankings for the cheapest car insurance companies in California
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,157
3 Nationwide $1,213
4 CSAA $1,222
5 Century National $1,226
6 21st Century $1,379
7 Grange $1,477
8 Allstate $1,497
9 Mercury $1,503
10 GEICO $1,529
11 Allied $1,556
12 Progressive $1,558
13 The Hartford $1,575
14 MetLife $1,654
15 State Farm $1,682
16 Unitrin $1,750
17 Esurance $1,756
18 Bristol West $1,795
19 Travelers $1,806
20 Farmers $1,966
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USAA normally has some of the cheapest car insurance rates in San Jose at around $1,143 per year. This is $508 less than the average rate paid by California drivers of $1,651. Wawanesa, Nationwide, CSAA, and Century National also qualify as some of the more affordable San Jose, CA auto insurance companies.

In the above example, if you are insured with CSAA and switched to USAA, you may realize yearly savings of around $79. Policyholders with Century National might save as much as $83 a year, and 21st Century policyholders might see rate reductions of $236 a year.

To find cheaper insurance rates for your vehicle, click here to begin a quote or quote prices from the following companies.

It’s important to note that these premium estimates are averaged for all types of insureds and vehicles and are not factoring in a specific zip code for drivers with good credit. So the auto insurance company that is most affordable for your situation may not even be in the top 24 companies shown above. That underscores the importance of why you need to compare rates from multiple companies using your own specific driver information and vehicle.

The type of vehicle you are seeking coverage for is one of the primary factors that determines if you can find low-cost insurance for drivers with good credit. Vehicles with higher performance characteristics, poor crash test ratings, or a high likelihood of having liability claims will cost much more to insure than more economical and safe models.

The list below features insurance prices for a handful of the cheapest vehicles to buy insurance for.

Cheapest Vehicles to Insure in San Jose, CA
Vehicle Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 2WD $863
Volkswagen Jetta S 2.5 Station Wagon $939
Honda Accord LX-P 4-Dr Sedan $947
Toyota Tacoma 4WD $968
Ford Explorer Eddie Bauer 2WD $977
Ford Escape XLT 2WD $977
Chevrolet Malibu LT $1,044
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,054
Hyundai Elantra SE 4-Dr Sedan $1,079
Toyota Prius $1,081
Honda Civic Hybrid 4-Dr Sedan $1,098
Chevrolet Equinox LT 2WD $1,121
Jeep Grand Cherokee Laredo 4WD $1,131
Ford Fusion S 4-Dr Sedan $1,121
Toyota Camry LE $1,128
Ford Edge Limited 2WD $1,127
Chevrolet Silverado 3500HD LTZ Crew Cab 2WD $1,138
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Price information does not factor in specific location information which can raise or lower rates noticeably.

Looking at the data, we can conclude that cars like the Honda CR-V, Volkswagen Jetta, Honda Accord, and Toyota Tacoma will be a few of the most budget-friendly vehicles to insure for financially responsible drivers.

The information below demonstrates how choosing different deductibles can affect yearly insurance costs when quoting cheap insurance for drivers with good credit. The price estimates are based on a single male driver, comp and collision included, and no policy discounts are applied.

As shown above, a 50-year-old driver could cut expenses by $362 a year by changing from a $100 deductible to a $500 deductible, or save $546 by choosing a $1,000 deductible. Young drivers, like the age 20 example, can cut $1,190 or even more by choosing a higher deductible. When raising deductibles, it will now be necessary to have additional savings on hand to enable you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

How to get discounts on San Jose auto insurance

Discounts on car insurance for drivers with good creditCar insurance companies that offer quotes for drivers with good credit may provide policy discounts that can lower rates by 35% or more if you meet eligibility requirements. A few of the larger companies and their possible discounts are included below.

The chart below illustrates the difference between auto insurance rates with and without discounts applied. The data is based on a male driver, no accidents, no driving violations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with anti-theft, accident-free, vehicle safety, homeowner, safe-driver, and multiple vehicle discounts applied. When discounts are factored in, the average savings per year on car insurance for drivers with good credit is 28% or $863.

Shop around and save

California car insurance rates are impacted by many things that will increase or decrease the cost of a policy. Improving your credit rating, getting divorced, or getting a ticket for careless driving may generate price changes resulting in some companies being more affordable than competitors. Not only may your risk profile change, but companies file new California car insurance rates at least once a year in order to remain profitable. A period of higher than normal claims may result in increased rates, while lower claim expenses can produce lower-priced San Jose car insurance rates.

To help illustrate this point, the chart below shows rates for the cheapest car insurance in San Jose, CA for a 30-year-old male driver with no accidents, a clean driving record, and excellent credit. When comparing rates based on his current risk profile, USAA might offer the best car insurance rates in San Jose at $1,174 each year. This is $477 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA are the remaining most affordable San Jose, CA auto insurance companies.

In the next rate comparison, we’ll give the driver in the first example a chargeable accident, poor credit, and a traffic citation. Since each insurance company uses their own calculation for determining rates in each state, comparing quotes could now result in a different ranking of cheap San Jose auto insurance companies as shown below.

Grange now has the cheapest insurance rate in San Jose with Allstate, Allied, Mercury, and Progressive also having competitive pricing. This demonstrates why consumers need to compare rates when trying to find the best insurance rates for drivers with good credit.

Auto insurance prices consist of many factors and can change without notice, so the cheapest rate when you last compared rates may now be one of the more expensive options.

The agents below can aid you in deciding which auto insurance policy fits you best, as many consumers aren’t sure which coverage to buy and prefer to have the advice of a professional agent when comparing insurance rates for financially responsible drivers. It can be hard to find the best coverage on your own, and agents can provide you peace of mind knowing your coverage gives you suitable coverage if you ever need to use it.

To find an agent nearest to you, click the button following the list or click here to compare price quotes now.

John Hong – State Farm Insurance Agent
1777 Saratoga Ave #100San Jose, CA 95129(408) 777-8700

Art Holland – State Farm Insurance Agent
5520 Almaden ExpySan Jose, CA 95118(408) 229-7870

Dennis Stroup – State Farm Insurance Agent
6455 Almaden Expy Ste 103San Jose, CA 95120(408) 268-7800

More San Jose, CA insurance agents