San Jose is the largest city in the Bay Area and the heart of Silicon Valley, home to approximately 1 million residents. The city's high concentration of tech workers, expensive vehicles, and Bay Area cost of living push auto insurance rates above the California average.
In 2026, the average San Jose driver pays approximately $2,150 per year for full coverage and around $640 per year for liability-only coverage.
Average Auto Insurance Rates in San Jose by ZIP Code (2026)
| ZIP Code | Area | Full Coverage / Year | Liability Only / Year |
|---|---|---|---|
| 95110 | Downtown San Jose | $2,350 | $700 |
| 95112 | East San Jose | $2,450 | $730 |
| 95125 | Willow Glen | $2,050 | $610 |
| 95128 | West San Jose | $2,100 | $625 |
| 95148 | East Foothills | $2,000 | $595 |
Electric Vehicle Insurance in San Jose
San Jose has one of the highest concentrations of electric vehicles in the US. EVs typically cost more to insure due to higher repair costs, but many carriers offer green vehicle discounts. Sewell Insurance Agency can help you find the best EV insurance rates in Silicon Valley.
Get Your Free San Jose Auto Insurance Quote
Sewell Insurance Agency serves all of Santa Clara County and the Bay Area. Our bilingual brokers will find you the best rate for your San Jose address.