Who Has Cheap Car Insurance Quotes for Drivers Under 25 in San Jose?

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Finding low-priced car insurance is not the easiest thing to do, and finding out which companies quote the best car insurance rates for drivers under 25 involves even more work. Each insurance company has a unique approach to set premium rates, so let's begin by examining the lowest cost car insurance companies in California.

It's important to know that San Jose, CA car insurance rates are determined by lots of factors that may substantially change the price you have to pay for coverage. Price variation is why it is critical to compare rates to find cheap car insurance rates for drivers under 25. Rates are impacted by many things and change frequently, so the cheapest rate the last time you shopped around may now be one of the higher cost companies.

Best Insurance Companies for Young Drivers

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Cheapest California auto insurance companies
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,192
3 Century National $1,214
4 CSAA $1,222
5 Nationwide $1,263
6 21st Century $1,366
7 Grange $1,433
8 Mercury $1,488
9 Allied $1,541
10 Progressive $1,558
11 Allstate $1,559
12 GEICO $1,559
13 The Hartford $1,591
14 MetLife $1,606
15 Unitrin $1,699
16 State Farm $1,699
17 Esurance $1,739
18 Travelers $1,806
19 Bristol West $1,849
20 Farmers $1,946
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USAA has some of the lowest car insurance rates in San Jose at around $1,143 annually. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the most economical San Jose, CA car insurance companies.

In the rate table above, if you currently have coverage with CSAA and switched to USAA, you could earn savings of around $79. Policyholders with Nationwide might save as much as $120 a year, and 21st Century customers might reduce prices by as much as $223 a year.

Bear in mind that those estimates are averaged for all insureds and vehicles and and are not calculated with a specific location for drivers under 25. So the car insurance company that fits your situation best may not even be in the top 24 companies shown above. That helps illustrate why you need to compare rates from as many companies as possible using your own driver data and vehicle information.

The make and model of vehicle you are trying to insure is a significant factor that determines whether or not you find the most affordable auto insurance for drivers under 25. Vehicles with high performance features, poor safety ratings, or a high likelihood of having liability claims will cost significantly more to insure than safer, lower-performance models. The data below ranks insurance premiums for a handful of the cheaper vehicles to buy insurance for.

Cheapest Vehicles to Insure in San Jose, CA
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda CR-V EX 2WD $2,356
Ford Escape XLS 4WD $2,366
Volkswagen Jetta S 2.5 Station Wagon $2,564
Toyota Prius $2,601
Dodge Grand Caravan SE $2,622
Ford F-150 FX2 Super Cab 2WD $2,628
Ford Focus SE 4-Dr Sedan $2,762
Chevrolet Impala LS $2,768
Ford Edge SEL 2WD $2,762
Toyota RAV4 2WD $2,796
Jeep Grand Cherokee Laredo 4WD $2,804
Toyota Camry LE $2,796
Dodge Ram 3500 Crew Cab Laramie 2WD $2,833
Ford Explorer Limited AWD $2,838
Chevrolet Malibu LT $2,833
Hyundai Elantra Blue 4-Dr Sedan $2,938
Honda Civic EX 4-Dr Sedan $2,943
Honda Odyssey EX-L W/Navigation $2,973
Toyota Corolla S $2,979
Toyota Tacoma X-Runner 2WD $2,973
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Prices above based on single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in vehicle garaging location which can influence coverage prices substantially.

Looking at the rates, you can conclude that makes and models like the Honda CR-V, Ford Escape, and Volkswagen Jetta should be some of the most budget-friendly vehicles to insure for drivers age 25 and younger. The price for car insurance will tend to be more expensive just due to the fact that there is more liability exposure for drivers under 25, but overall those vehicles will tend to have the cheapest auto insurance rates that you'll find.

One of the more important things that help determine the amount you pay each year for auto insurance is the neighborhood you call home. Cities with larger populations or higher claim trends tend to pay more, whereas areas that tend to be more rural can boast about having cheaper rates.

The information below sorts the most costly cities in California for drivers under 25 in which to buy car insurance. San Jose is listed at #17 having an annual price of $1,437 for the average policyholder, which is about $120 per month.

How much is car insurance in San Jose?
Rank City Average Per Year
1 Los Angeles $2,168
2 Glendale $2,079
3 San Francisco $1,763
4 Oakland $1,755
5 Sacramento $1,720
6 San Bernardino $1,644
7 Stockton $1,603
8 Long Beach $1,578
9 Garden Grove $1,570
10 Modesto $1,547
11 Fontana $1,535
12 Santa Clarita $1,533
13 Fresno $1,502
14 Moreno Valley $1,491
15 Riverside $1,482
16 Santa Ana $1,453
17 San Jose $1,437
18 Anaheim $1,430
19 Fremont $1,403
20 Irvine $1,384
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Rates are comparative as the specific geographic location can raise or lower prices greatly.

The example below demonstrates how deductible levels can increase or decrease annual premium costs when quoting cheap insurance for drivers under 25. The rates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.

The data above shows that a 40-year-old driver could lower their car insurance rates by $506 a year by increasing from a $100 deductible up to a $500 deductible, or save $762 by selecting a $1,000 deductible. Even younger drivers, such as the Age 20 example, could potentially save up to $1,674 annually by using a higher deductible.

If you do make the decision to raise your deductibles, it is important to have spare funds to allow you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

How to find a good San Jose car insurance company

Selecting a high-quality company can be difficult considering how many companies are available to choose from in San Jose. The company rank data shown next may help you choose which companies to look at when comparing rates.

The rankings below are for the largest companies in America, so companies without a large exposure are not taken into consideration for the list. If you'd like to compare prices from many more California auto insurance companies, click this link.

Top 10 Major Car Insurance Companies in San Jose Ranked by Value

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

Top 10 Major Car Insurance Companies in San Jose Ranked by Customer Satisfaction

  1. Titan Insurance - 95%
  2. USAA - 94%
  3. AAA of Southern California - 92%
  4. AAA Insurance - 91%
  5. Nationwide - 90%
  6. State Farm - 90%
  7. The Hartford - 89%
  8. GEICO - 89%
  9. The General - 88%
  10. 21st Century - 88%

If you would rather have professional advice when comparing insurance rates for drivers age 25 and younger, the agents listed below can aid you in deciding which auto insurance coverages would be the best in your situation. To find an auto insurance agency close to you, click the button after the list.

Jim Edington - State Farm Insurance Agent
361 Piercy Rd - San Jose, CA 95138 - (408) 225-2463

GEICO Insurance Agent
2195 Monterey Rd #20 - San Jose, CA 95125 - (408) 286-4342

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

More insurance agents in San Jose, CA

Ideas for buying budget-friendly auto insurance for drivers under 25

The list below details many money-saving suggestions that can help California drivers locate lower-cost coverage.

That final tip is remarkably necessary, as was noted in the article above. Rates in San Jose can change considerably based on profitability, so don't hesitate to switch companies if a more affordable rate is found.

Being loyal to a particular company is commendable, but is isn't recommended if that loyalty ends up costing a small fortune year after year. Take a few minutes and compare rates to find cheaper insurance for drivers under 25.