Best Cheap Homeowners Insurance in San Jose, CA 2025
Mercury offers the cheapest homeowners insurance to homeowners in San Jose, with an average annual quote of $726.
We’ve saved shoppers an average of $450 per year on their home insurance.
In San Jose, Mercury provides the cheapest policy, with average annual rates of $726. However, keep in mind that the best insurer for you may vary based on your unique circumstances and requirements.
San Jose experiences over 25,000 residential burglaries annually. Additionally, San Jose’s rates climb with flooding, wildfires, earthquakes, and rising rebuild costs.
To help people navigate the tough home insurance market, I researched several options to find you the best and cheapest home insurance companies in San Jose, CA.
Key Takeaways
Mercury provides the cheapest home insurance policy in San Jose, at an average annual rate of $726.
The average cost of homeowners insurance in San Jose is $1,197 per year.
There are various ways to save on your premiums, such as shopping around for quotes and re-assessing your coverage needs.
Cheapest Homeowners Insurance In San Jose – Mercury
Mercury is the cheapest overall carrier for homeowners insurance in San Jose, CA, with an average annual rate of $726.
| Company | Annual Premium |
| Allstate | $820 |
| Pacific Specialty | $874 |
| Mercury | $726 |
| USAA | $744 |
| Travelers | $825 |
Cheapest Homeowners Insurance In San Jose For Older Homes – State Farm
For those with older homes, State Farm offers the cheapest rates, averaging $1,270 per year.
Older homes often come with unique risks and maintenance issues, which can drive up insurance costs.
| Insurance Company | Average Annual Premium |
| Nationwide | $1,427 |
| State Farm | $1,270 |
| Chubb | $2,352 |
| Farmers | $1,344 |
| AIG | $1,849 |
Cheapest Homeowners Insurance For Newly Constructed Homes – State Farm
If you’re the proud owner of a newly constructed home, State Farm offers the most cost-effective solution, with an average annual rate of $1,093.
| Insurance Company | Average Annual Premium |
| Farmers | $1,154 |
| USAA | $1,302 |
| Travelers | $1,200 |
| State Farm | $1,093 |
| Allstate | $1,245 |
Cheapest Home Insurance In San Jose For A History Of Claims – Pacific Specialty
For homeowners with a history of claims, Pacific Specialty provides an affordable solution, with an average annual rate of $875.
A history of claims can raise red flags for insurers, often leading to higher premiums.
| Insurance Company | Average Annual Premium |
| USAA | $1,164 |
| Pacific Specialty | $875 |
| Allstate | $1,198 |
| National General | $1,173 |
| State Farm | $980 |
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Best Homeowners Insurance Companies In San Jose, CA
To make your decision-making process easier, we’ve compiled a list of the top homeowners insurance companies in San Jose, CA. These companies have been assessed based on their annual premiums, coverage options, customer satisfaction ratings, and overall reliability.
Take a look at our comparison chart below and find the perfect fit for your home insurance needs.
| Company | Annual Premium |
| State Farm | $1,104 |
| Farmers | $1,195 |
| USAA | $1,180 |
| Mercury | $735 |
| Travelers | $1,045 |
| Chubb | $1,862 |
| Allstate | $1,256 |
How Much Is Homeowners Insurance In San Jose, CA?
The average cost of home insurance in San Jose is approximately $1,197 per year. It’s important to understand that rates are not a one-size-fits-all matter. They can fluctuate significantly based on a myriad of factors.
As you can see below, rates in San Jose are lower than the National average. However, they are higher than the California State average.
| Area | Average Annual Rate |
| National | $2,408 |
| California | $1,056 |
| San Jose | $1,197 |
Prices vary across San Jose, but what really matters is whether your policy protects you against local risks. With PolicyOwl, you can upload your policy and instantly see what’s covered — and what’s missing.
Average San Jose Home Insurance Rates By ZIP Code
The cost of homeowners insurance in San Jose, CA, can vary significantly based on the ZIP code.
The table below showcases average rates for different zip codes in San Jose.
| ZIP Code | Average Annual Premium |
| 95136 | $1,230 |
| 95123 | $1,241 |
| 95125 | $1,213 |
| 95111 | $1,277 |
| 95127 | $1,310 |
Cheapest ZIP Codes For Home Insurance In San Jose
At $1,197 per year, the ZIP code 95129 is the cheapest average ZIP code for home insurance in San Jose.
| ZIP Code | Average Annual Premium |
| 95124 | $1,209 |
| 95129 | $1,197 |
| 95118 | $1,216 |
| 95125 | $1,213 |
| 95130 | $1,224 |
Most Expensive ZIP Codes For Home Insurance In San Jose
The most expensive ZIP code in San Jose is 95116, at an average annual premium of $1,324.
| ZIP Code | Average Annual Premium |
| 95135 | $1,305 |
| 95141 | $1,311 |
| 95116 | $1,324 |
| 95127 | $1,310 |
| 95122 | $1,320 |
Average Home Insurance Rates In San Jose, CA By Deductible Amount
The deductible amount chosen for a homeowners insurance policy significantly affects the premium rates in San Jose, CA. Generally, a higher deductible means lower premiums, but you’ll pay more out of pocket if you need to make a claim.
Here’s how the average home insurance rates in San Jose fluctuate with insurers for different deductible amounts:
| Insurer | Annual Rate for $500 Deductible | Annual Rate for $1,000 Deductible | Annual Rate for $1,500 Deductible |
| State Farm | $1,099 | $980 | $885 |
| Travelers | $1,041 | $938 | $830 |
| Allstate | $1,250 | $1,140 | $1,032 |
| Farmers | $1,246 | $1,132 | $1,039 |
| USAA | $1,182 | $1,065 | $971 |
Average Home Insurance Rates In San Jose, CA By Coverage Amount
One of the key components that influences your premium is the dwelling coverage amount. This is the maximum amount your insurance company will pay to rebuild or repair your home if it’s damaged or destroyed.
The table below outlines the average annual homeowners insurance premiums for different dwelling coverage amounts.
| Dwelling Coverage Amount | Average Annual Premium |
| $200,000 | $962 |
| $250,000 | $1,153 |
| $300,000 | $1,261 |
| $350,000 | $1,560 |
| $400,000 | $1,880 |
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Compare Home Insurance Rates To Other Cities In California
The following table shows the average rates of home insurance across various cities in California.
| City | Annual Premium |
| San Diego | $1,484 |
| Oakland | $2,302 |
| Los Angeles | $1,566 |
| Riverside | $2,234 |
| Sacramento | $1,235 |
Bundle Home With Auto Insurance
Bundling your homeowner’s insurance with your auto insurance is a popular way to lower premiums. Many insurance providers offer discounts when you combine multiple policies, as they see it as an opportunity to retain you as a customer across different types of coverage. The savings from bundling can vary, but it’s common to see discounts ranging from 10% to 15% on your home insurance premium.
This method can be especially useful for homeowners who already have an auto insurance policy. By consolidating both policies with the same insurer, you simplify your insurance management and may receive better overall customer service. In addition to lower premiums, bundling may also provide more flexible payment options and potentially higher coverage limits.
Before deciding to bundle, it’s important to compare the total cost of bundling with the cost of purchasing separate policies. While bundling may offer discounts, it’s still worth ensuring that each individual policy provides the coverage you need at a reasonable rate.
How To Get Homeowners Insurance In California
With informative sites like Insuranceopedia, finding the best coverage for your unique needs is just a few clicks away. By providing quick online quotes from a variety of top-rated insurers, Insuranceopedia helps you to compare rates at a glance.
Just input your details and let us do the hard work, presenting you with a range of options tailored to your requirements. This way, you can confidently choose a policy that offers the highest value, balancing cost with comprehensive coverage.
Our Methodology
To find the cheapest home insurance rates in San Jose, we analyzed findings from numerous home insurance review sites, some of which analyzed rates from public filings obtained by Quadrant Information Services. We’ve used an average of those rates for this review, but each company’s rates change frequently and will vary based on your situation. Also factored into the overall rating is my subjective opinion based on fifteen years of experience as a licensed insurance agent and over three decades of purchasing home insurance.
