Determining which companies quote the cheapest auto insurance rates for state employees requires a little more sweat in order to find the most economical policy. Every insurance company has their own formula for setting prices, so we will examine the overall cheapest auto insurance companies in California.
We do need to point out that California auto insurance rates are influenced by many factors which can substantially change the price you have to pay. Getting older, buying a different vehicle, or getting a reckless driving citation can trigger price changes resulting in some rates now being affordable when they were higher priced.
Cheap Insurance Rates in California
|Rank||Company||Cost Per Year|
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USAA has some of the cheapest car insurance rates in San Jose at around $1,121 annually. This is $530 less than the average price paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide would also be considered some of the most economical San Jose, CA car insurance companies.
As depicted above, if you currently buy coverage from Wawanesa and switched to USAA, you could earn a yearly savings of upwards of $71. Customers with CSAA might save as much as $113 a year, and Nationwide insureds might lower prices by up to $129 a year.
These prices are averaged across all drivers and vehicles and and are not figured with a specific location for state employees. So the company that can offer the best rates for your situation may not even be in the top 24 companies shown above. That affirms the importance of why you need to compare as many prices as possible using your own specific driver information and vehicle.
The car, truck, or SUV driven is probably the largest consideration when shopping for the best insurance for state employees. Vehicles with limited top-end speed, good safety features, or a low likelihood of having liability claims will cost significantly less to insure than fast, unsafe models.
The data below showcases car insurance rates for a number of the cheapest vehicles to buy insurance for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$849|
|Honda CR-V LX 2WD||$928|
|Dodge Grand Caravan SE||$951|
|Ford F-150 STX Super Cab 4WD||$970|
|Toyota RAV4 Limited 4WD||$1,005|
|Honda Odyssey EX-L W/Navigation||$1,059|
|Hyundai Elantra SE 4-Dr Sedan||$1,069|
|Hyundai Sonata GLS 4-Dr Sedan||$1,076|
|Chevrolet Equinox LTZ AWD||$1,078|
|GMC Sierra SLE Crew Cab 4WD||$1,088|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,078|
|Volkswagen Jetta LE 4-Dr Sedan||$1,099|
|Chevrolet Malibu LS||$1,105|
|Jeep Grand Cherokee Laredo 2WD||$1,099|
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Price estimates do not factor in zip code location which can change insurance rates noticeably.
Based upon the table data, we can expect models like the Ford Escape, Honda CR-V, Dodge Grand Caravan, Ford F-150, and Toyota RAV4 will be a few of the most budget-friendly vehicles to insure for state workers.
For state workers, one of the big components that are used to help calculate auto insurance rates is where you choose to live in San Jose. Areas with increased crime or more people will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims benefit from lower coverage costs.
The illustration below lists the most expensive areas in California for state employees in which to purchase auto insurance. San Jose is listed at #18 costing $1,437 for coverage, which is approximately $120 each month.
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Rate information is comparative as the garaging address in San Jose can alter premiums considerably.
Discount San Jose auto insurance rates
Auto insurance companies that offer quotes for state employees may also give you rate discounts that could reduce prices by as much as 30% if you are eligible for them. A few of the larger companies and their offered discounts are outlined below.
- GEICO discounts include anti-lock brakes, driver training, seat belt use, membership and employees, five-year accident-free, and air bags.
- Mercury Insurance offers discounts for location of vehicle, annual mileage, multi-policy, anti-theft, age of vehicle, and low natural disaster claims.
- Farmers Insurance may offer discounts for pay in full, homeowner, good student, multi-car, and alternative fuel.
- Auto-Owners Insurance policyholders can earn discounts including company car, multi-policy, student away at school, multiple vehicles, anti-theft, and air bags.
- Liberty Mutual has discounts for new move discount, preferred payment discount, multi-policy, multi-car, newly married, and teen driver discount.
- SAFECO may have discounts that include accident prevention training, anti-theft, anti-lock brakes, homeowner, and safe driver.
- Progressive has savings for multi-vehicle, multi-policy, online quote discount, continuous coverage, good student, and homeowner.
- USAA offers discounts including loyalty savings, multi-vehicle, vehicle storage, military installation, driver training, and annual mileage.
The illustration below illustrates the comparison of annual premium costs with and without discounts. The data assumes a female driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with defensive driving course, accident-free, vehicle safety, claim-free, passive restraint, and marriage discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on auto insurance for state employees is 28% or $670.
The example below demonstrates how choosing different deductibles can change insurance costs when researching cheap insurance for state employees. The information is based on a married female driver, comp and collision included, and no additional discounts are factored in.
As shown above, a 50-year-old driver could reduce rates by $420 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $634 by using a $1,000 deductible. Even younger insureds, like the 20-year-old example, can cut $1,042 annually just by using higher deductibles.
When choosing a higher deductible, it will be required to have plenty of savings on hand to offset the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Difference between full coverage and liability only rates
Paying a lower price for auto insurance should be important to the majority of vehicle owners, and one common way to pay less for insurance for state employees is to only buy liability coverage. The chart below shows the difference between insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on no accidents, no driving violations, $250 deductibles, single status, and no other discounts are factored in.
Averaged out for all age groups, physical damage insurance costs $2,314 per year more than carrying just liability coverage. That proposes the question if it's worth it to buy full coverage. There isn't a steadfast formula to delete comp and collision coverage, but there is a guideline you can consider. If the yearly cost of full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.
There are some situations where eliminating full coverage is not advised. If you haven't satisfied your loan, you have to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.
If you have coverage questions and would like to get help from a professional when buying car insurance for state employees, the professional agents shown below can most likely aid you in deciding which auto insurance policy would work best for you. To locate a San Jose insurance agent near you, click the button following the list.
Debbie Yang - State Farm Insurance Agent
3484 Stevens Creek Blvd Ste A - San Jose, CA 95117 - (408) 261-1623
Farmers Insurance - Roger Nguyen
478 E Santa Clara St #216 - San Jose, CA 95112 - (408) 293-7250
Mike Murillo - State Farm Insurance Agent
1449 Park Ave #3 - San Jose, CA 95126 - (408) 295-0554
All Spectrum Insurance Brokers
4010 Moorpark Ave #117 - San Jose, CA 95117 - (408) 604-0092
Jim Edington - State Farm Insurance Agent
361 Piercy Rd - San Jose, CA 95138 - (408) 225-2463