Top Rated Auto Insurance Companies In California

Top Rated Auto Insurance Companies In California - We looked at the best insurance companies in San Jose and found that Geico has the cheapest rates overall, averaging $405 per year for a minimal insurance policy.

Each driver pays a different amount for car insurance depending on where he lives, the type of car he drives and the date he drives, so the best way to save on car insurance is to get quotes from several insurance companies.

Top Rated Auto Insurance Companies In California

San Jose drivers looking for the absolute lowest price for a minimum coverage policy should start with Geico. It has the most affordable policy for minimum coverage of the state, averaging $405 per year. This is 34% cheaper than the average price across all insurance companies.

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AAA and Progressive of Northern California had reasonable rates for basic coverage: both had rates under $500 for a minimum coverage policy.

AAA for Northern California, also known as AAA NorCal or CSAA, is only available to residents of Northern California. The Auto Club of Southern California provides auto insurance to its customers through a separate company.

Keep in mind that although the minimum coverage policy provides enough protection to get you on the road, it does not cover damage to your car and the minimums can easily be exhausted in a lawsuit. We recommend a stricter policy for almost all drivers who use their vehicles regularly.

Geico offers the cheapest full coverage policy in San Jose. At $1,319 per year, Geico was hundreds of dollars cheaper than its competitors.

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Insurance companies try to anticipate the likelihood of filing a claim in the future based on your past driving history. They've discovered that drivers with less than perfect driving history make more claims, so you're more likely to pay more for auto insurance with a recent accident or ticket on your record.

Insurance companies do not raise interest rates immediately after a crash to recover their losses. But they find drivers at fault in an accident are more likely to file another claim in the future, so the result is the same: your prices may go up.

If a fault was recently found in an accident, try obtaining insurance from Mercury. This gave the typical San Jose driver a policy of $2,345 per year, which is $1,200 cheaper than the average across all insurance companies.

Geico's average price is affordable, at just $2,407 for a full coverage policy, and the average total price for a full coverage policy was $3,545.

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In the eyes of insurance companies, speed means you're more willing to take risks behind the wheel, so you're likely to see higher rates after you get a ticket—prices increased an average of $867.

We recommend Geico as the most affordable option in San Jose for insurance after a speeding ticket. It charges $2,059 annually for full coverage. Its average price is 22% cheaper than the average cost we've seen at all insurance companies around town.

Driving under the influence is a serious crime and insurance companies will likely increase your insurance rates significantly if you are convicted. On average, a DUI will increase your prices in San Jose by $4,962 per year — nearly three times the increase compared to a driver with a clean driving record.

Fortunately, some insurance companies are less strict than others. Mercury Insurance offered our typical driver an annual rate of $2,581 for full coverage, which is 48% less expensive than the average cost in San Jose.

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Insurance companies have found that married people file insurance claims at a lower rate, so they often offer discounts after they tie the knot.

In our research, Geeco had the best quotes for a married driver in San Jose, averaging $1,129 per year for a full coverage policy. That's a $190 discount on the price a person would pay.

Married drivers can lower their prices further by sharing the policy with their spouse or by qualifying for a multi-car discount.

Younger drivers pay more for car insurance because they have less experience on the road and are not as risk-averse as older drivers. As a result, insurance companies are charging teens more fees.

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For a sample 18-year-old driver, Geico has the best rates averaging $1,214 for a minimum coverage policy. 22% cheaper than the average of all the insurance companies we looked at in San Jose.

One factor that auto insurance companies use to set auto insurance rates is your zip code. You may find that you pay more for car insurance if you live in an area with high theft rates.

In San Jose, the most expensive neighborhoods can pay as much as $407 per year for car insurance than more affordable neighborhoods.

San Jose is one of the worst cities for car theft in California. More than 6,000 cars were stolen in the city in 2019, enough to make it the third-worst city for theft among the state's 10 largest. Only Oakland and Bakersfield had higher rates of burglary.

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We collected data from seven of the largest insurance companies in California. Our typical driver is a 30-year-old male who drives a 2015 Honda Civic EX. Unless otherwise noted, the driver receives rates for the Minimum Coverage policy.

In cases where our typical driver compares full coverage policy rates, the following limits have been used:

Use analysis of insurance price data from Quad Information Services. These rates are obtained from publicly available insurance company filings and should be used for comparison purposes only. Your references may be different.

Our statewide analysis of California insurance rates includes both AAA in Northern California and AAA in Southern California. However, AAA Southern California does not offer insurance to San Jose residents, so we removed it from the city's averages and ratings.

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For an insurance quote over the phone, call: (855) 3655-596 | Agents are available 24 hours a day, 7 days a week! Rachel Bowden graduated from college with a BA in English. Since then, he has worked as a writer in the insurance industry and gained in-depth knowledge of insurance laws and rates throughout the state and country. His research and writing help readers understand insurance coverage and focus on how to create savings. His expert advice on insurance has appeared on sites like PhotoEnforced and All...

Jeffrey Johnson is a legal writer who focuses on personal injury. He has worked on personal injury and sovereign immunity cases with experience in family, inheritance and criminal law. He holds a Juris Doctor from the University of Baltimore. He obtained and worked in law firms and nonprofit organizations in Maryland, Texas, and North Carolina. He also holds an MA in Screenwriting from Chapman University...

Disclosure to advertisers: We strive to help you make confident decisions about car insurance. Comparison shopping should be easy. We are not affiliated with any auto insurance company and do not guarantee quotes from any provider.

Our insurance industry partnerships do not affect our content. Our opinions are our own. Please enter your zip code on this page to use our free quote tool to compare quotes from different companies. The more quotes you compare, the more chances you have to save.

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Editorial Tips: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything related to auto insurance. We update our site regularly and all content is reviewed by auto insurance experts.

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Whatever your hobby is, you will probably have to drive to take part in it. Of course, if you're driving, you need California auto insurance. Does Freeway Insurance Offer the Best Rates in Beaumont, CA? Which insurance providers can help you get the best coverage? This is what we are here for.

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Before you get behind the wheel of California, we'll tell you which auto insurance companies offer the best rates, the factors that affect the price of auto insurance, and everything you need to know to help you get started on your way. To make an informed decision in auto insurance.

Smart insurance shopping means knowing how to find companies with good ratings at reasonable prices and trying to shop with unknown insurance companies to get the cheapest price. To feel like you're getting the best deal, you'll need to find a policy with the right coverage, great service from your insurance company, and reasonable rates.

One of the great resources we have to help you is the benchmarking tool. Enter your zip code on the right

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