One of the more important components that determine insurance cost is where you choose to live in San Jose. Cities with more crime and/or more people are more likely to pay higher prices, whereas areas with fewer weather claims and lower vehicle theft rates have the gratification of cheaper auto insurance rates.
The next table ranks the most expensive areas in California for single moms to buy car insurance in. San Jose makes the list at #18 with the annual price of $1,423 for the average policyholder, which is around $119 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,121 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,755 |
| 5 | Sacramento | $1,703 |
| 6 | Stockton | $1,603 |
| 7 | San Bernardino | $1,580 |
| 8 | Long Beach | $1,578 |
| 9 | Fontana | $1,566 |
| 10 | Moreno Valley | $1,551 |
| 11 | Riverside | $1,542 |
| 12 | Santa Clarita | $1,533 |
| 13 | Garden Grove | $1,524 |
| 14 | Fresno | $1,502 |
| 15 | Santa Ana | $1,497 |
| 16 | Modesto | $1,487 |
| 17 | Anaheim | $1,430 |
| 18 | San Jose | $1,423 |
| 19 | Fremont | $1,403 |
| 20 | Huntington Beach | $1,402 |
| 21 | Irvine | $1,371 |
| 22 | Bakersfield | $1,340 |
| 23 | San Diego | $1,340 |
| 24 | Chula Vista | $1,337 |
| 25 | Oxnard | $1,304 |
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Information shown are approximated as vehicle location can increase or decrease premiums noticeably.
The car, truck, or SUV you are buying coverage for is one of the main factors when shopping around for cheaper car insurance for single moms. Vehicles with lower performance, an excellent safety record, or low incidents of liability claims will cost much less to insure than adrenaline junky models. The next table features car insurance rates for a handful of the most economical automobiles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $879 |
| Toyota Prius | $973 |
| Honda CR-V EX 4WD | $1,028 |
| Ford Focus SEL 4-Dr Sedan | $1,075 |
| Toyota Camry SE | $1,094 |
| Ford Edge Sport 2WD | $1,100 |
| GMC Sierra SL Crew Cab 2WD | $1,113 |
| Ford F-350 XLT Crew Cab Lariat 2WD | $1,153 |
| Toyota Camry Hybrid | $1,188 |
| Chevrolet Malibu Hybrid | $1,192 |
| Dodge Grand Caravan SE | $1,207 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,215 |
| Ford F-150 FX2 2WD | $1,225 |
| Ford Explorer Limited 2WD | $1,215 |
| Nissan Altima 3.5 SR 2-Dr Coupe | $1,243 |
| Honda Odyssey EX-L | $1,253 |
| Toyota Corolla LE | $1,263 |
| Chevrolet Equinox LS 2WD | $1,275 |
| Jeep Grand Cherokee Laredo 4WD | $1,285 |
| Toyota RAV4 4WD | $1,275 |
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Price estimates do not factor in specific garaging location which can impact prices considerably.
Based upon the table data, you can expect vehicles like the Ford Escape, Toyota Prius, Honda CR-V, Ford Focus, and Toyota Camry should be some of the cheapest vehicles to insure for single parents.
Ending up with a highly-rated insurer can be difficult considering how many companies there are in San Jose. The company ratings displayed below may help you decide which car insurance companies you want to consider when comparing rate quotes. The rankings below are only made up of the largest companies in America, so companies without a large exposure are not factored into these rankings.
Top 10 Major Auto Insurance Providers in San Jose Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
The example below shows how different deductible levels can affect insurance costs when quoting cheap insurance for single moms. The premium estimates are based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.
The data above shows that a 40-year-old driver could lower their car insurance rates by $300 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $456 by changing to a $1,000 deductible. Even younger drivers, like the 20-year-old, can save $750 each year just by using higher deductibles. If you do decide to increase your deductibles, it is a good idea to have plenty of discretionary funds to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.
Are you paying too much for car insurance in San Jose?
San Jose car insurance rates are based on many factors which can significantly increase or decrease the cost of having a policy. Turning one year older, buying a new vehicle, or getting into an accident can produce rate changes that can now make some companies more affordable than the competition. Also, companies file new California car insurance rates without warning in order to maintain liquidity for claims. A period of higher than normal claims may result in high rates, while lower claim levels can cause lower-priced San Jose car insurance rates.
The bar chart below analyzes the cheapest car insurance in San Jose, CA for a 45-year-old male driver with no accidents, a clean driving record, and a good credit rating. If we compare prices based on his current rating profile, USAA offers the most affordable car insurance rates in San Jose at $1,180 per year. This is $471 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are the remaining most affordable San Jose, CA auto insurance companies.
Now we will pretend the driver from the above example a claim surcharge, a little lower credit rating, and a couple of points charged on his driving record. Due to the fact that every auto insurer has a different formula for setting prices, comparing quotes may now result in a completely different list of affordable companies as shown below.
Grange now has the cheapest rate in San Jose with GEICO, Mercury, Progressive, and Allstate also being competitive. This shows why consumers need to compare as many rates as possible to get affordable car insurance quotes for single moms. Rates can be determined by many risk factors and can change substantially, so the cheapest option the last time you checked may now be quite expensive.
How to find economical insurance for single moms
The list below summarizes some money-saving solutions that can help you find cheaper car insurance.
- Increase deductibles to save money
- Save money by obeying traffic laws and keeping a clean driving record
- Buy a safer vehicle
- Better credit scores save money
- Do not pay for full coverage if not needed
- Prevent price hikes by avoiding at-fault accidents
- Shop around and save
That last piece of advice is incredibly critical, as we noted in this piece. Rates change constantly, so drivers shouldn’t be reluctant to buy from a new company if a better rate can be found. Staying with the same car insurance company is fine, but it’s not a great idea if your bullheadedness ends up costing you hundreds of dollars a year. Now is a great time to shop around and find cheaper car insurance for single moms in San Jose.