Who Has Affordable Car Insurance for Teenage Females in San Jose?

One of the many factors that are used to help calculate insurance cost is where you choose to live. Cities with larger populations or higher claim trends are more likely to pay higher prices, whereas areas with fewer weather claims and lower vehicle theft rates have the benefit of cheaper car insurance.

The following table shows the most expensive cities in California for teenage females to purchase auto insurance in. San Jose shows up at #18 with an annual rate of $1,423 for car insurance, which is approximately $119 per month.

How much does car insurance cost in San Jose, CA?
Rank City Premium Per Year
1 Los Angeles $2,104
2 Glendale $2,079
3 Sacramento $1,720
4 San Francisco $1,711
5 Oakland $1,687
6 Long Beach $1,610
7 San Bernardino $1,596
8 Fontana $1,581
9 Garden Grove $1,570
10 Santa Clarita $1,548
11 Stockton $1,541
12 Moreno Valley $1,536
13 Modesto $1,532
14 Fresno $1,517
15 Riverside $1,497
16 Santa Ana $1,483
17 Anaheim $1,474
18 San Jose $1,423
19 Huntington Beach $1,402
20 Bakersfield $1,394
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Information shown are approximated as specific location information can affect coverage rates substantially.

Finding good, cost effective insurance is difficult, and figuring out which companies quote the best insurance rates for teenage females involves more quotes for comparison. Each insurance company has a unique formula to set policy rates, so let’s rank the insurance companies that tend to have lower prices in San Jose, CA.

We do need to point out that San Jose, CA insurance rates are calculated based on many things which can substantially decrease or increase the cost of a policy. Improving your financial situation, moving across town, or getting a reckless driving citation may generate price changes that can cause some rates to be more expensive than competitors.

Cheap Insurance Rates for Teens

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Cheapest California car insurance ranked by price
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,157
3 CSAA $1,186
4 Century National $1,190
5 Nationwide $1,263
6 21st Century $1,379
7 Grange $1,433
8 Mercury $1,488
9 Allstate $1,497
10 GEICO $1,529
11 Allied $1,541
12 Progressive $1,558
13 MetLife $1,590
14 The Hartford $1,591
15 Unitrin $1,699
16 State Farm $1,733
17 Esurance $1,739
18 Travelers $1,806
19 Bristol West $1,849
20 Farmers $1,946
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USAA generally has some of the best car insurance rates in San Jose at around $1,143 a year. This is $508 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also make the cut as some of the more affordable San Jose, CA insurance companies.

As shown above, if you currently buy coverage from Century National and switched to Wawanesa, you might realize savings of approximately $33. Drivers with Nationwide could save as much as $106 a year, and 21st Century insureds might cut rates by $222 a year.

Bear in mind that those policy rates are averaged for all insureds and vehicles and are not factoring in a specific vehicle garaging location for teenage females. So the car insurance company that is best suited for you may not even be in the list above. That’s why you need to get car insurance quotes using your own personalized driver profile and vehicle information.

Rate difference between full and liability-only coverage

Saving on insurance should be important to the majority of drivers, and one easy way to reduce the cost of insurance for teenage females is to not buy comprehensive and collision coverage. The information below visualizes the comparison of yearly insurance costs with and without physical damage coverage. The costs are based on no violations or claims, $1,000 deductibles, drivers are not married, and no discounts are factored in.

Averaged for all ages 20 through 70, physical damage insurance costs $2,467 per year more than just insuring for liability. Many drivers will wonder if it’s a good idea to buy full coverage. There isn’t a steadfast formula to stop paying for physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let’s assume your vehicle’s replacement cost is $5,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $4,000 after paying your deductible. If you are currently paying more than $400 annually for physical damage coverage, then you might want to think about dropping full coverage.

There are some cases where dropping full coverage is not a good plan. If you still owe money on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not buy liability only.

Reckless driving habits raise insurance rates

The obvious way to snag the best insurance premiums in San Jose for teen girls is to drive attentively and not get tickets or have accidents. The information below highlights how traffic violations and fender-benders increase annual premium costs for different age categories. The rate quotes are based on a single female driver, full coverage, $500 deductibles, and no discounts are applied to the premium.

In the previous chart, the average cost of car insurance per year with no violations or accidents is $1,978. Receive one speeding ticket and the average cost swells to $2,243, an increase of $265 each year. Now add one accident along with the one speeding ticket and the annual cost of insurance for teenage females increases to an average of $2,978. That’s an increase of $1,000, or $83 per month, just for not being a responsible driver!

Ending up with the highest-rated car insurance provider is hard considering how many companies are available to choose from in San Jose. The company information shown next could help you pick which insurers to look at to insure your vehicles. The rankings below only include insurance companies that insure vehicles in the majority of U.S. states, so smaller companies are not factored into this list.

Top 10 Major Car Insurance Companies Overall in San Jose

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

If you have questions and prefer to get some professional advice when shopping for the best coverage for teen girls, the professional agents shown below can probably aid you in deciding which car insurance policy is best.

To locate a San Jose insurance agent by location nearest to you, click the link at the bottom.

Taylor Benefits Insurance Agency
4820 Harwood Rd #130San Jose, CA 95124(408) 358-7502

All Solutions Insurance – San Jose
574 Blossom Hill RdSan Jose, CA 95123(408) 225-4300

Kathy Barber – State Farm Insurance Agent
5615 Cottle RdSan Jose, CA 95123(408) 365-7268

Steve Sosnowski – State Farm Insurance Agent
841 Blossom Hill Rd #102San Jose, CA 95123(408) 629-4700

Harrington Insurance Agency
6920 Santa Teresa Blvd #101San Jose, CA 95119(408) 754-9000

More insurance agents in San Jose, CA

How to find cheaper insurance for teenage females

The list below details some penny-pinching solutions that can help San Jose drivers locate cheaper coverage.

The last idea is certainly vital, as we pointed out in the prior information. Insurance prices fluctuate constantly, so don’t be hesitant to buy a different policy if you find a cheaper price.

Having a favorite company is great, but it isn’t a good idea if that loyalty results in overpaying several hundred dollars every year. Spend a few minutes and compare prices to find cheaper auto insurance for teenage females in San Jose.