It is not easy to get cheap car insurance in San Jose, California. Being the third-biggest city in California means that San Jose ranks among the most expensive in the country when it comes to car insurance. Driving without insurance in San Jose is illegal. Therefore car owners in the city are required to drive with the minimum insurance coverage, which has a price of about $712 per year. 15% of drivers in the State of California drive without insurance, so it’s better to go for a more encompassing level of coverage (also called full coverage), which has an average annual cost of $2020. This is noticeably higher than the country’s annual average of $1738 full coverage car insurance. 

Many insurance companies in the city offer you quality insurance rates that are worth your money. However, you will be doing your money some good to shop and compare the rates of some of the best auto insurance companies online. To make things easier for you, We have compared the cost of the companies offering some of the cheapest rates in the city based on the following factors: customer satisfaction, support, coverage options, rates, and discounts. 

Factors influencing the price you pay for auto insurance in San Jose

The price you pay for a particular insurance coverage in San Jose depends on several factors. As we have stated above, the Law in California requires all motorists to drive with minimum coverage. However, it is better to go for more than the minimum. You never know when something outside of an accident may damage your car. 

Damage from theft, vandalism, and fires is often included in the minimum auto insurance, so it is always better to go for better coverage than just collision damage insurance. 

Below are some facts that will help you in your search for the right auto insurance in San Jose

The rule minimum liability coverage, 15/30/5 of the State, also applies in the city, so a basic insurance coverage must include the following limits

  • Individual Bodily Injury Liability: $15,000
  • Total Bodily Injury Liability: $30,000
  • Property Damage Liability: $5,000

San Jose Minimum Insurance

The numbers above for the minimum insurance policy may seem nice for cheap car insurance in San Jose. However, you are still exposed if you only go with minimum coverage. 

It would be best if you thought about the high cost of medical bills, in addition to the money for property damage. When all these are considered, you will realize that a minimum policy barely covers anything.

Below are some of the factors that influence the cost of car insurance coverage in San Jose

Insurance Rates Per Vehicle

Some factors that influence the cost of insurance for your car is within your control, such as the number of cars you own and your credit score. However, there are a number of factors that you can’t control, such as your gender and age. 

The formula used to calculate the rate you pay depends on the insurance company, so it’s always a good idea to go shopping online to see the best rate suitable for you. You may even discover that you can get a better rate because of your good driving record, being in the military, being a student, or having a good credit score. 

The rates for special car editions are often higher than the ones for their base models. You can identify the rates for special editions with the aid of letters such as SE, GT. It is also more expensive to insure car models made by foreign companies because getting their parts may be more difficult, and mechanics may have a hard time repairing foreign models than those made in the country. 

Insurance Rates by Credit Score

Another factor that influences the rate for cheap car insurance in San Jose is your credit score. A better credit score will get you better rates for your car insurance. Still, some insurance companies can still go easy on you even if you don’t have the best credit score. 

Insurance for Drivers with a Clean Record

Car insurance providers in San Jose give special consideration to drivers with clean records. This means if you are a careful driver with a spotless history, you can get a policy with better rates for your car. The amount of money you will spend on a policy is based on the type of coverage you are going for as well as the insurance provider. 

It is always better to educate yourself more about auto insurance to know the basics of its working, even though you have a spotless driving record, so you can come up with the best way you can save money while getting quality coverage. 

Insurance with Driving Infractions

Even if your driving history isn’t spotless, it is still better to shop for providers with better rates. Putting in the keyword “cheap car insurance in San Jose” will help you search for several local companies with the best rates in the market. 

Cheapest car insurance in San Jose

The following insurance companies below offer some of the cheapest rates in San Jose

Some of the cheapest car insurance companies include

  1. Farmers Auto Insurance
  2. Ensurance car Insurance 
  3. GEICO car insurance 

Summary of their prices per year

Insurance company  Amount in a year
Farmers Auto Insurance  $1565
Ensurance Car Insurance $972
GEICO car Insurance $1118

The average rate of auto insurance in San Jose is $1337. This price is %6.1 lower than the country’s and %6.4 lower than California’s average premiums. 

Farmers Auto Insurance

Famers insurance is one of the best insurance companies in California that offers their customers a number of policies and discounts to help you save money. Despite the fact that the cost of Famer’s premium policy is higher than that of other insurance companies, it still offers some of the best combinations of price and quality coverage for your car. 

How Does Farmers Auto Insurance Rate?

Popular services such as AM Best, J.D. Power, and The National Association of Insurance Commissioner (NAIC) have given positive ratings to Famers Insurance because of their great financial stability and customer satisfaction. So apart from offering you some of the best rates in San Jose, you can be sure that you can always receive your claims and customer care services. 

Financial Strength

The financial strength of an insurance company is a reflection of its ability to pay claims. AM Best ranks this ability, and they gave Famers an A in their ranking. This means that Famers have enough financial stability to fulfill their responsibilities to all legal claims. 

Farmers Insurance Features

Famer has several online tools such as rate calculators, online price quotes, claim filing, and bill pay which you can access on their website to provide quality customer care support. 

Summary of Famers Insurance features and description (via moneygeek)

Type Description
Online price quotes Displays personalized quotes 
Calculators  Help in calculating rates online
Online bill pay Pay bills online
Online claims Policyholders can file their claims when they log in to their online accounts
Mobile app The app can be downloaded on Apple and Android devices

Farmers Auto Coverage

Farmers’ auto insurance has several coverage options you can choose, including minimum coverage, full coverage, and liability-only insurance. You can get any coverage depending on your needs.

Summary of Farmers Auto Insurance coverages and description (via moneygeek)

Type of Coverage Description
Collision  It covers any damage to your car due to a collision, even if you are at fault.
Personal Injury Protection  Covers your medical expenses as well as that of passengers resulting from an accident, even if you are at fault. It covers other related costs such as lost wages
Uninsured This coverage is to cover for damages caused by an uninsured driver whose coverage isn’t enough to cover for damages
Liability  It provides coverage for any financial problems after an accident to policyholders at fault for an accident. This consist of property damages and bodily injuries 

Farmers Auto Insurance Coverage Discounts

As a Famers policyholder, you can access several discounts; you only have to quality. You can save a significant amount of money on your premiums with these discounts

Summary of Farmers discounts (via moneygeek)

Type of discount description
Safe driver You get discount for having a clean driving record
Good student Students with a 3.0 GPA, or those on their Dean’s List, Honor Roll or the top 20% of their class qualify for a discount
Multi Vehicle You get a discount when you choose Famers policy for more than one car
Family Households with a driver under 20 years old that have more drivers than the number of vehicles included in the policy can receive a family discount.
Multi Policy  You get a discount When you bundle one policy with other policies 

How to Make a Car Insurance Claim with Farmers

You can file a claim on Farmers Auto Insurance in three ways

  1. You can do it online
  2. You can file one through your agent
  3. Through Farmers claim services phone line

Esurance

Ensurance is a subsidiary of Allstate insurance that features a great mobile app and online permit transactions. This is a perfect insurance company if you are looking for a cheap insurance company in San Jose that offers one of the cheapest policy rates in the United States with tech-savvy features. The only let-down of the company is its customer services.

How Does Esurance Auto Insurance Rate?

Ensurance received positive ratings for it’s excellent financial stability from the National Association of Insurance Commissioner (NAIC), J.D. Power, and AM Best. This means it has the financial power always to pay legitimate claims. However, its customer service isn’t the best. Although policies are among the cheapest in San Jose

Financial Strength

This is one of the most important factors you should consider when buying a policy from an insurance company. Ensurance has a rating of A+ regarding financial stability, meaning you can always receive all legitimate claims you make.

Esurance Insurance Features

The part of Ensurance auto Insurance is its excellent online experience. You can easily shop for any policy of your choice without leaving your home. You can also get information on your policy anytime you want. Claims can also be filed through the mobile app and monitor the progress of your claims. 

Summary of Ensurance Features

Type Description
Online price quotes Displays personalized quotes 
Online bill pay Pay bills online through you debit and credit cards
Online claims Policyholders can file their claims when they login to their online accounts online or through the mobile app. You can easily access your policy information, upload photos from the scene of the accident and monitor your claims
Mobile app The app can be downloaded on Apple and Android devices

Esurance Auto Coverage

Ensurance offers several coverage options, so it is better to customize your coverage according to your needs. It offers the minimum policy of the State, full coverage, and liability-only car coverage. 

Summary of coverage offered by Ensurance

Type of Coverage Description
Collision  Covers any damage to your car due to a collision, or rollover.
Personal Injury Protection  Covers your medical expenses as well as that of passengers resulting from an accident, even if you are at fault. Covers other related cost such as lost wages, funeral and disability.
Uninsured This coverage is to cover for damages caused by an uninsured driver whose coverage isn’t enough to cover for damages. This also applies in hit-and-run driver situations
Liability  It provides coverage for any financial problems after an accident to policyholders at fault for an accident. This consist of property damages and bodily injuries 

Available Discounts on Esurance Car Insurance Coverage

You have to meet certain qualifications before you are eligible for some discount offered by Ensurance coverage. These discounts are a great way to save significant money on your premiums.

Summary of discounts on Ensurance Car Insurance Coverage

Type of discount description
Safe driver You can qualify for this discount if you’ve had an operating driver’s license for a minimum of three years and up to one point on your driving history. You get up to 40% off your premium policy. You can monitor your driving habits thanks to DriveSense a tool from Ensurance. DriveSense reports all necessary information to Ensurance. You receive extra discount by registering got this program
Defense driver Discount qualification varies for different states. However, most times, drivers at 50 or over the age of 50 who have gone through the approved defensive driving course can qualify for this discount
Good student  Full-time student under the age of 25 whose GPA is above 3.0 can receive 10% discounts off their medical, liability, and collision payments
Multi-Vehicle People who insure more than one car under Ensurance Auto insurance can qualify for this discount
Anti-theft You can qualify for this discount if your car posess can anti-theft device
Multi-policy Bundling your auto policy with other coverage offered by Ensurace qualifies you for a discount
Safety equipment You can qualify for this discount if your car comes with pre-installed airbags and/or automatic seatbelts
Complete payments Making a one-time payment for your premium saves you a significant amount of money.

How to Make a Car Insurance Claim with Esurance

You can file your claims through the mobile app or by logging into your profile online. When upload photos from the site of the accident, you hasten up the claim process. Keep track of your claims through the mobile app. 

GEICO

If you are looking for an insurance company with competitive rates and lots of discount option then GEICO Auto Insurance is what you need. The financial strength of GEICO is among the very best in San Jose. 

How Does GEICO Auto Insurance Rate?

National Association of Insurance Commissioners (NAIC), J.D. Power and AM Best gave GEICO a very positive rating in terms of financial strength. Although GEICO ranks average in other areas, it still offers some of the cheapest rates in San Jose and California. 

GEICO Insurance Features

GEICO Policyholders enjoy a variety of online solutions, which makes the insurance company unique. Some of these features include an online calculator, filling of claims online, a mobile app, and payment of bills online. 

Summary of GEICO Insurance Features

Type Description
Calculators  Help in calculating rates online
Online bill pay Pay bills online on the mobile app or GEICO website
Online claims Policyholders can file their claims when they log in to their online accounts on GEICO website. You can also track your claim’s progress
Mobile app The app can be downloaded on Apple and Android devices

GEICO Auto Coverage

GEICO offers the minimum car coverage, liability coverage, and full coverage policy. You need to research each coverage plan to ensure you are getting everything you need before buying.

Type of Coverage Description
Collision  Covers any damage to your car due to a collision or rollover.
Uninsured This coverage is to cover for damages caused by an uninsured driver whose coverage isn’t enough to cover for damages. This also applies in hit-and-run driver situations
Liability  It provides coverage for any financial problems after an accident to policyholders at fault for an accident. This consist of property damages and bodily injuries 

Discounts on GEICO auto Insurance coverage

GEICO offers policyholders a number of discounts they can get them they qualify for it. These discounts offer you a way to save a significant amount of money on your insurance coverage 

Type of discount description
Safe driver You save a significant sum of money if you have a clean driving record
Defense driver Policy holders in some states get discounts if they complete the approved defensive driving course 
Good student  High school and college students with an average score of B or more can save money with this discount
Multi Vehicle People who insure more than one car under GEICO Auto insurance can qualify for this discount
Anti-theft You can qualify for this discount if your car posess can anti-theft device
Multi policy Bundling you auto policy with other coverage offered by Ensurace qualifies you for a discount
Military GEICO People who are serving or have served in the military can qualify for this discount
New Vehicle You pay lower premiums if your car model is a least three model years old.
Driver training People staying in certain areas can get a discount if they have completed a driver’s training program

How to Make a Car Insurance Claim with GEICO

You can file all you claim on GEICO website. The mobile app is another platform you can use to file your claims or, if you prefer, call GEICO customer service. You can keep track of your claim by using the mobile app and on the company’s site. 

GEICO allows policyholders to file a claim online through its website. Those who are more comfortable with the mobile app can also submit a claim there. Another option is to call the customer service number of the company. To keep track of the status of the claim, check the Claims Express section online or through the mobile app.

Car insurance is usually costly in highly populated cities in the United States, so it is always good to go for insurance companies with lower rates. However, it is always good to go for companies with a good combination of quality and price.

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One Response

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