- Average car insurance cost in San Jose is $2,698 per year, or around $225 per month.
- San Jose car insurance costs an average of $144 per year less than the California state average rate and $477 per year more than the United States national average.
- For cheap auto insurance in San Jose, SUV models like the Kia Soul, Chevrolet Trailblazer, and Subaru Crosstrek have some of the best rates.
- A few vehicles with the cheapest car insurance in San Jose for their segment include the Subaru Crosstrek ($1,992 per year), Jaguar E-Pace ($2,522 per year), Mercedes-Benz CLA250 ($2,774 per year), and Chevrolet Tahoe ($2,532 per year).
- Car insurance quotes in San Jose have significant variability from as low as $38 per month for minimum liability limits to over $657 per month for teenagers and other high-risk drivers.
What is average car insurance cost in San Jose?
The average cost to insure a vehicle in San Jose is $2,698 per year, which is 19.4% more than the overall national average rate of $2,221 per year. The average monthly cost of car insurance in San Jose is $225 for a policy with full coverage.
The average cost of car insurance in California is $2,842 per year, so San Jose drivers pay an average of $144 less per year than the overall California state-wide average rate. The cost of insurance in San Jose compared to other California locations is about $88 per year more expensive than in San Diego, $382 per year less than in San Francisco, and $12 per year less than in Fresno.
The age of the rated driver is one of the biggest factors in determining the price of car insurance. The list below illustrates this point by breaking down average car insurance rates for driver ages 16 through 60.
Average car insurance cost for San Jose, California, drivers age 16 to 60
- 16-year-old rated driver – $9,607 per year or $801 per month
- 17-year-old rated driver – $9,305 per year or $775 per month
- 18-year-old rated driver – $8,341 per year or $695 per month
- 19-year-old rated driver – $7,596 per year or $633 per month
- 20-year-old rated driver – $5,428 per year or $452 per month
- 30-year-old rated driver – $2,878 per year or $240 per month
- 40-year-old rated driver – $2,698 per year or $225 per month
- 50-year-old rated driver – $2,392 per year or $199 per month
- 60-year-old rated driver – $2,238 per year or $187 per month
The chart below displays additional costs for drivers age 20 to 60 by showing a range of rates for different driver ages, policy deductibles, and policy risk factors.
Average rates in the previous chart range from $2,240 per year for a middle-aged driver who qualifies for most policy discounts to $6,202 per year for a 20-year-old driver with a poor driving record or too many at-fault accidents. The overall average rate we use to compare different vehicles is the 40-year-old safe driver rate, which has an average cost of $2,698 per year in San Jose.
As a monthly expense, car insurance cost in San Jose ranges from $187 to $517 for the risk profiles shown in the chart above.
Auto insurance rates are not the same for everyone and can change frequently. The possibility of a wide range of rates emphasizes the need to get multiple car insurance quotes when trying to find a cheaper car insurance policy.
Popular models in San Jose tend to be compact or midsize cars like the Honda Civic and Toyota Camry and small or midsize SUVs like the Ford Escape and Subaru Outback.
A few additional popular vehicles in San Jose from other segments include luxury cars like the Acura ILX, Lexus ES 350, and Tesla Model S, luxury SUVs like the Cadillac XT5, Lexus RX 350, and BMW X5, and pickup trucks like the Toyota Tacoma, Chevy Silverado, and Ram 1500.
We cover additional rates in a little bit, but before we get into that data, let’s take a quick look at the main concepts that were covered up to this point.
- Auto insurance for teenagers is expensive in San Jose – Average rates range from $6,421 to $9,607 per year for teenage driver insurance in San Jose, California.
- Lower deductible insurance is more expensive than high deductible – A 40-year-old driver pays an average of $874 more per year for a policy with $250 deductibles compared to $1,000 deductibles.
- San Jose car insurance prices are cheaper than the California state average – $2,698 (San Jose average) versus $2,842 (California average)
- San Jose car insurance cost is more than the U.S. average – $2,698 (San Jose average) versus $2,221 (U.S. average)
- Average cost per month ranges from $187 to $801 – That is the average auto insurance price range for insured drivers age 16 to 60 in San Jose, CA.
What are the cheapest vehicles to insure in San Jose?
The models with the cheapest average auto insurance quotes in San Jose tend to be small SUVs like the Subaru Crosstrek, Kia Soul, and Buick Envision. Average auto insurance rates for those compact SUVs cost $2,192 or less per year, or $183 per month, to have full coverage.
A few other vehicles that are ranked high in our overall cost comparison are the Subaru Outback, Buick Envista, Buick Encore, and Volkswagen Taos. Insurance rates are a little bit more for those models than the cheapest compact SUVs that rank near the top, but they still have an average cost of $2,350 or less per year in San Jose.
The table below breaks down the 40 car, truck, and SUV models with the cheapest auto insurance in San Jose, ordered by annual cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,992 | $166 |
| 2 | Chevrolet Trailblazer | $2,026 | $169 |
| 3 | Kia Soul | $2,104 | $175 |
| 4 | Nissan Kicks | $2,124 | $177 |
| 5 | Honda Passport | $2,148 | $179 |
| 6 | Buick Envision | $2,162 | $180 |
| 7 | Toyota Corolla Cross | $2,172 | $181 |
| 8 | Hyundai Venue | $2,192 | $183 |
| 9 | Mazda CX-5 | $2,200 | $183 |
| 10 | Ford Bronco Sport | $2,208 | $184 |
| 11 | Volkswagen Tiguan | $2,232 | $186 |
| 12 | Acura RDX | $2,256 | $188 |
| 13 | Nissan Murano | $2,264 | $189 |
| 14 | Buick Encore | $2,290 | $191 |
| 15 | Subaru Outback | $2,296 | $191 |
| 16 | Honda CR-V | $2,298 | $192 |
| 17 | Buick Envista | $2,306 | $192 |
| 18 | Volkswagen Taos | $2,312 | $193 |
| 19 | Kia Niro | $2,322 | $194 |
| 20 | Toyota GR Corolla | $2,342 | $195 |
| 21 | Subaru Ascent | $2,348 | $196 |
| 22 | Honda HR-V | $2,350 | $196 |
| 23 | Nissan Leaf | $2,362 | $197 |
| 24 | Chevrolet Colorado | $2,376 | $198 |
| 25 | Honda Civic | $2,386 | $199 |
| 26 | Lexus NX 250 | $2,386 | $199 |
| 27 | Volkswagen Atlas | $2,392 | $199 |
| 28 | Acura Integra | $2,396 | $200 |
| 29 | Subaru Forester | $2,398 | $200 |
| 30 | Volkswagen Atlas Cross Sport | $2,402 | $200 |
| 31 | Kia Seltos | $2,410 | $201 |
| 32 | GMC Terrain | $2,412 | $201 |
| 33 | Nissan Rogue | $2,424 | $202 |
| 34 | Hyundai Kona | $2,428 | $202 |
| 35 | Cadillac XT4 | $2,434 | $203 |
| 36 | Mazda CX-30 | $2,434 | $203 |
| 37 | Ford Explorer | $2,446 | $204 |
| 38 | Volkswagen ID4 | $2,446 | $204 |
| 39 | Toyota Highlander | $2,452 | $204 |
| 40 | Toyota Venza | $2,460 | $205 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all San Jose, CA Zip Codes. Updated June 27, 2025
The above table containing 40 of the cheapest vehicles to insure in San Jose probably isn’t the best way to show a comprehensive summary of San Jose insurance rates. Considering we track over 700 makes and models of vehicles, only about 6% of vehicles are displayed. Let’s rethink this, dig deeper, and reorganize the models with the cheapest rates in a more sensible format, by automotive segment.
This next article section goes into detail about the average cost of auto insurance by vehicle segment. The average rates shown in the chart should give a good idea of the types of vehicles that have the overall best rates. Then the six subsequent sections show the models with the most affordable car insurance in each unique segment.
San Jose car insurance rates by vehicle segment
When shopping around for a new or used vehicle, it is useful to know which styles of vehicles have less expensive insurance rates. As an example, maybe you want to know if compact SUVs have cheaper car insurance than minivans or if full-size pickups cost less to insure than midsize pickups.
The next chart displays average auto insurance cost by vehicle segment in San Jose. As a general rule, compact SUVs, vans, and midsize pickups tend to have the least expensive average rates, while large luxury, performance, and sports cars have the most expensive rates.
Average auto insurance rates by segment are sufficient to form a general comparison, but cost ranges significantly within each automotive segment shown in the previous chart.
For example, in the midsize car segment, average San Jose insurance rates range from the Kia K5 costing $2,600 per year for full coverage insurance to the Tesla Model 3 at $3,168 per year, a difference of $568 within that segment.
Also, in the midsize truck segment, insurance rates range from the Chevrolet Colorado costing $2,376 per year up to the Rivian R1T at $3,364 per year.
In the upcoming sections, we remove some of this variability by comparing auto insurance rates for specific vehicles rather than by segments.
Cheapest car insurance rates in San Jose, California
The four highest ranking 2-door and 4-door sedans and hatchbacks with the cheapest auto insurance in San Jose are the Toyota GR Corolla at $2,342 per year, Nissan Leaf at $2,362 per year, Honda Civic at $2,386 per year, and Nissan Sentra at $2,470 per year.
Other models that have cheaper rates include the Chevrolet Malibu, Kia K5, Toyota Prius, and Honda Accord, with an average cost of $2,628 per year or less.
Ranked from 10th to 20th place, cars like the Nissan Versa, Mitsubishi Mirage G4, Toyota Crown, Subaru Legacy, and Kia Forte cost between $2,628 and $2,790 per year for insurance in San Jose.
Auto insurance rates in this segment for a safe driver starts at around $195 per month, depending on your location and insurance company. The rate comparison table below ranks the cars with the cheapest insurance in San Jose, starting with the Toyota GR Corolla at $2,342 per year ($195 per month) and ending with the Mazda 3 at $2,790 per year ($233 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $2,342 | $195 |
| Nissan Leaf | Compact | $2,362 | $197 |
| Honda Civic | Compact | $2,386 | $199 |
| Nissan Sentra | Compact | $2,470 | $206 |
| Subaru Impreza | Compact | $2,480 | $207 |
| Toyota Prius | Compact | $2,520 | $210 |
| Kia K5 | Midsize | $2,600 | $217 |
| Honda Accord | Midsize | $2,604 | $217 |
| Chevrolet Malibu | Midsize | $2,614 | $218 |
| Toyota Corolla | Compact | $2,628 | $219 |
| Kia Forte | Compact | $2,632 | $219 |
| Volkswagen Arteon | Midsize | $2,650 | $221 |
| Nissan Versa | Compact | $2,658 | $222 |
| Subaru Legacy | Midsize | $2,664 | $222 |
| Hyundai Ioniq 6 | Midsize | $2,682 | $224 |
| Mitsubishi Mirage G4 | Compact | $2,722 | $227 |
| Volkswagen Jetta | Compact | $2,726 | $227 |
| Toyota Crown | Midsize | $2,728 | $227 |
| Hyundai Sonata | Midsize | $2,736 | $228 |
| Mazda 3 | Compact | $2,790 | $233 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all San Jose, CA Zip Codes. Updated June 26, 2025
See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.
Looking for a different vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free San Jose car insurance quotes from top-rated car insurance companies in California.
Cheapest SUVs to insure in San Jose
The four lowest-cost non-luxury SUVs to insure in San Jose are the Subaru Crosstrek at $1,992 per year, Chevrolet Trailblazer at $2,026 per year, Kia Soul at $2,104 per year, and Nissan Kicks at $2,124 per year.
Not the cheapest SUVs to insure, but still affordable, are SUVs like the Buick Envision, Hyundai Venue, Ford Bronco Sport, and Toyota Corolla Cross, with an average cost to insure of $2,208 per year or less.
Auto insurance in San Jose for this segment for a good driver can cost as low as $166 per month, depending on where you live and the company you use.
If prices are ranked by vehicle size, the cheapest compact SUV to insure in San Jose is the Subaru Crosstrek at $1,992 per year, or $166 per month. For midsize models, the Honda Passport is cheapest to insure at $2,148 per year, or $179 per month. And for full-size SUVs, the Chevrolet Tahoe has the best rates at $2,532 per year, or $211 per month.
The rate comparison table below ranks the twenty SUVs with the most affordable insurance in San Jose, starting with the Subaru Crosstrek at $166 per month and ending with the Subaru Ascent at $196 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,992 | $166 |
| Chevrolet Trailblazer | Compact | $2,026 | $169 |
| Kia Soul | Compact | $2,104 | $175 |
| Nissan Kicks | Compact | $2,124 | $177 |
| Honda Passport | Midsize | $2,148 | $179 |
| Buick Envision | Compact | $2,162 | $180 |
| Toyota Corolla Cross | Compact | $2,172 | $181 |
| Hyundai Venue | Compact | $2,192 | $183 |
| Mazda CX-5 | Compact | $2,200 | $183 |
| Ford Bronco Sport | Compact | $2,208 | $184 |
| Volkswagen Tiguan | Compact | $2,232 | $186 |
| Nissan Murano | Midsize | $2,264 | $189 |
| Buick Encore | Compact | $2,290 | $191 |
| Subaru Outback | Midsize | $2,296 | $191 |
| Honda CR-V | Compact | $2,298 | $192 |
| Buick Envista | Midsize | $2,306 | $192 |
| Volkswagen Taos | Compact | $2,312 | $193 |
| Kia Niro | Compact | $2,322 | $194 |
| Subaru Ascent | Midsize | $2,348 | $196 |
| Honda HR-V | Compact | $2,350 | $196 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all San Jose, CA Zip Codes. Updated June 27, 2025
See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.
Looking for rates for a different SUV? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in California.
Cheapest luxury car insurance rates in San Jose
Ranking in the top five for the lowest-cost San Jose car insurance rates in the luxury car segment are the Mercedes-Benz CLA250, Lexus IS 300, BMW 330i, Acura Integra, and Acura TLX. Auto insurance quotes for these 2024 models average $233 or less per month.
Also ranking in the top 10 are models like the Mercedes-Benz AMG CLA35, Lexus ES 350, Lexus RC 300, and Cadillac CT4, with an average cost of $2,834 per year or less.
From a monthly standpoint, full-coverage car insurance in San Jose on this segment for a good driver starts at around $200 per month, depending on the company and your location.
If ranked by vehicle size, the cheapest small luxury car to insure in San Jose is the Acura Integra at $2,396 per year. For midsize luxury models, the Mercedes-Benz CLA250 is the cheapest model to insure at $2,774 per year. And for full-size luxury models, the Audi A5 has the best rates at $3,204 per year.
The comparison table below ranks the twenty luxury cars with the cheapest car insurance rates in San Jose, starting with the Acura Integra at $2,396 per year and ending with the Audi S3 at $3,024 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $2,396 | $200 |
| BMW 330i | Compact | $2,746 | $229 |
| Mercedes-Benz CLA250 | Midsize | $2,774 | $231 |
| Lexus IS 300 | Midsize | $2,776 | $231 |
| Acura TLX | Compact | $2,790 | $233 |
| Cadillac CT4 | Compact | $2,816 | $235 |
| Lexus ES 350 | Midsize | $2,816 | $235 |
| Genesis G70 | Compact | $2,822 | $235 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,826 | $236 |
| Lexus RC 300 | Midsize | $2,834 | $236 |
| Lexus IS 350 | Compact | $2,846 | $237 |
| Jaguar XF | Midsize | $2,854 | $238 |
| Cadillac CT5 | Midsize | $2,908 | $242 |
| Lexus ES 250 | Midsize | $2,916 | $243 |
| Lexus RC 350 | Compact | $2,924 | $244 |
| BMW 330e | Compact | $2,930 | $244 |
| BMW 228i | Compact | $2,934 | $245 |
| BMW 230i | Compact | $2,956 | $246 |
| Lexus ES 300h | Midsize | $2,962 | $247 |
| Audi S3 | Compact | $3,024 | $252 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all San Jose, CA Zip Codes. Updated June 27, 2025
See our guide for luxury car insurance to compare rates for all makes and models.
Don’t see insurance rates for your vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in California.
Cheapest luxury SUV insurance rates in San Jose, CA
Ranking at the top of the list for the most affordable San Jose car insurance rates in the luxury SUV segment are the Cadillac XT4, Lexus NX 250, Acura RDX, Cadillac XT5, and Jaguar E-Pace. Car insurance prices for these 2024 models average $2,544 or less per year, or around $212 per month.
Also ranking well are SUVs like the Lexus NX 450h, Lexus NX 350h, Lexus UX 250h, and Lincoln Corsair, with an average cost to insure of $2,600 per year or less.
Full-coverage auto insurance for this segment in San Jose for an average middle-age driver starts at around $188 per month, depending on the company and where you live.
If vehicle size is considered, the most affordable compact luxury SUV to insure in San Jose is the Acura RDX at $2,256 per year, or $188 per month. For midsize luxury SUV models, the Jaguar E-Pace is the cheapest model to insure at $2,522 per year, or $210 per month. And for large luxury SUVs, the Infiniti QX80 is the cheapest model to insure at $3,024 per year, or $252 per month.
The next table ranks the twenty SUVs with the most affordable car insurance in San Jose, starting with the Acura RDX at $2,256 per year ($188 per month) and ending with the Lexus RX 350 at $2,706 per year ($226 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $2,256 | $188 |
| Lexus NX 250 | Compact | $2,386 | $199 |
| Cadillac XT4 | Compact | $2,434 | $203 |
| Jaguar E-Pace | Midsize | $2,522 | $210 |
| Cadillac XT5 | Midsize | $2,544 | $212 |
| Lexus NX 350h | Compact | $2,544 | $212 |
| Lincoln Corsair | Compact | $2,576 | $215 |
| Mercedes-Benz GLB 250 | Compact | $2,582 | $215 |
| Lexus UX 250h | Compact | $2,588 | $216 |
| Lexus NX 450h | Compact | $2,600 | $217 |
| Infiniti QX50 | Midsize | $2,620 | $218 |
| Mercedes-Benz GLA250 | Compact | $2,628 | $219 |
| Cadillac XT6 | Midsize | $2,638 | $220 |
| Mercedes-Benz GLA35 AMG | Compact | $2,638 | $220 |
| Infiniti QX60 | Midsize | $2,652 | $221 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,656 | $221 |
| Land Rover Evoque | Compact | $2,690 | $224 |
| Acura MDX | Midsize | $2,696 | $225 |
| Lexus NX 350 | Compact | $2,704 | $225 |
| Lexus RX 350 | Midsize | $2,706 | $226 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all San Jose, CA Zip Codes. Updated June 27, 2025
See our guides for luxury SUV insurance to compare rates for additional makes and models.
Don’t see your luxury SUV in the list? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in California.
Cheapest sports cars to insure in San Jose
Ranking at the top for the lowest-cost San Jose car insurance rates in the performance and sports car segment are the Mazda MX-5 Miata, Toyota GR86, Subaru WRX, BMW Z4, and Ford Mustang. Auto insurance quotes for these models average $252 or less per month.
Not the cheapest sports cars to insure, but still affordable, are models like the Lexus RC F, Subaru BRZ, Toyota GR Supra, and BMW M2, with an average cost to insure of $3,224 per year or less.
As a cost per month, car insurance rates in San Jose on this segment for a good driver will start around $208 per month, depending on your company and location. The comparison table below ranks the twenty sports cars with the cheapest average car insurance rates in San Jose, starting with the Mazda MX-5 Miata at $2,496 per year ($208 per month) and ending with the Porsche Taycan at $4,570 per year ($381 per month).
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,496 | $208 |
| Toyota GR86 | Sports Car | $2,842 | $237 |
| Ford Mustang | Sports Car | $2,964 | $247 |
| BMW Z4 | Sports Car | $2,980 | $248 |
| Subaru WRX | Sports Car | $3,022 | $252 |
| Toyota GR Supra | Sports Car | $3,032 | $253 |
| BMW M2 | Sports Car | $3,118 | $260 |
| Nissan Z | Sports Car | $3,126 | $261 |
| Lexus RC F | Sports Car | $3,188 | $266 |
| Subaru BRZ | Sports Car | $3,224 | $269 |
| BMW M3 | Sports Car | $3,408 | $284 |
| Porsche 718 | Sports Car | $3,472 | $289 |
| Chevrolet Camaro | Sports Car | $3,504 | $292 |
| Chevrolet Corvette | Sports Car | $3,734 | $311 |
| Porsche 911 | Sports Car | $3,864 | $322 |
| BMW M4 | Sports Car | $4,026 | $336 |
| Lexus LC 500 | Sports Car | $4,044 | $337 |
| Jaguar F-Type | Sports Car | $4,254 | $355 |
| Mercedes-Benz AMG GT53 | Sports Car | $4,464 | $372 |
| Porsche Taycan | Sports Car | $4,570 | $381 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all San Jose, CA Zip Codes. Updated June 27, 2025
Don’t see your sports car? Not a problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in San Jose.
Cheapest pickup truck insurance rates in San Jose
The top-ranked model in San Jose for cheapest auto insurance rates in the pickup truck segment is the Chevrolet Colorado, at an average of $2,376 per year. Second place is the Nissan Titan costing $2,522 per year, the third most affordable is the Nissan Frontier, at an average of $2,552 per year, and the fourth most affordable is the Ford Ranger, at an average of $2,578 per year.
Rounding out the top 10 are pickups like the Honda Ridgeline, GMC Canyon, Toyota Tacoma, and Hyundai Santa Cruz, with average rates of $2,776 per year or less.
From a monthly standpoint, car insurance rates in this segment for a middle-age safe driver can cost as low as $198 per month, depending on where you live. The table below ranks the pickups with the lowest-cost car insurance rates in San Jose, starting with the Chevrolet Colorado at $2,376 per year ($198 per month) and ending with the Ram Truck at $3,118 per year ($260 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $2,376 | $198 |
| Nissan Titan | Full-size | $2,522 | $210 |
| Nissan Frontier | Midsize | $2,552 | $213 |
| Ford Ranger | Midsize | $2,578 | $215 |
| Ford Maverick | Midsize | $2,616 | $218 |
| Honda Ridgeline | Midsize | $2,676 | $223 |
| Hyundai Santa Cruz | Midsize | $2,722 | $227 |
| Toyota Tacoma | Midsize | $2,730 | $228 |
| GMC Sierra 2500 HD | Heavy Duty | $2,744 | $229 |
| GMC Canyon | Midsize | $2,776 | $231 |
| Jeep Gladiator | Midsize | $2,840 | $237 |
| GMC Sierra 3500 | Heavy Duty | $2,858 | $238 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,882 | $240 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,958 | $247 |
| GMC Sierra | Full-size | $2,980 | $248 |
| Chevrolet Silverado | Full-size | $2,982 | $249 |
| Nissan Titan XD | Heavy Duty | $2,982 | $249 |
| Ford F150 | Full-size | $3,018 | $252 |
| GMC Hummer EV Pickup | Full-size | $3,094 | $258 |
| Ram Truck | Full-size | $3,118 | $260 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all San Jose, CA Zip Codes. Updated June 27, 2025
See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.
Is your pickup truck not in the list? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in California.
Helpful tips to save on car insurance
San Jose drivers are always searching for ways to reduce the monthly expense for insurance, so take a minute or two to look through the savings concepts below and maybe you’ll find a way to save some money the next time you need to insure a vehicle.
- Don’t be dumb behind the wheel. In order to get cheap auto insurance in San Jose, it’s necessary to drive conservatively. In fact, just a couple minor incidents on your driving report could increase auto insurance cost by as much as $718 per year. Being convicted of a major violation such as failing to stop at the scene of an accident could raise rates by an additional $2,506 or more.
- Auto insurance is cheaper with higher deductibles. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
- Shop your coverage around. Taking the time to get free car insurance quotes could significantly reduce the cost of insurance. Companies make rate modifications frequently and you do not have to wait for your renewal to change companies.
- Stay claim free and save. Most insurance companies give a discounted rate if you have no claims on your account. Car insurance is intended to be used for significant financial loss, not minor claims.
- Clean up your credit to lower your rates. Drivers who have credit scores over 800 could save a minimum of $424 per year versus a slightly lower credit score between 670-739. Conversely, an imperfect credit score below 579 could cost around $491 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- If your vehicle is older, remove optional coverages. Removing physical damage coverage (comprehensive and collision) from older vehicles can reduce the cost of car insurance significantly.