- Average car insurance cost in San Jose is $1,988 per year, or around $166 per month.
- San Jose car insurance costs an average of $146 per year less than the California state average rate and $303 per year more than the United States national average.
- For cheap auto insurance in San Jose, SUV models like the Nissan Kicks, Subaru Crosstrek, and Chevrolet Trailblazer have some of the best rates.
- A few vehicles with the cheapest car insurance in San Jose for their segment include the Chevrolet Trailblazer ($1,506 per year), Lexus RX 350 ($1,778 per year), Cadillac CT5 ($2,140 per year), and Chevrolet Tahoe ($1,864 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 $1,988 per year, which is 16.5% more than the overall national average rate of $1,685 per year. The average monthly cost of car insurance in San Jose is $166 for a policy with full coverage.
The average cost of car insurance in California is $2,134 per year, so San Jose drivers pay an average of $146 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 $86 per year more expensive than in San Diego, $388 per year less than in San Francisco, and $16 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 – $7,126 per year or $594 per month
- 17-year-old rated driver – $6,662 per year or $555 per month
- 18-year-old rated driver – $6,222 per year or $519 per month
- 19-year-old rated driver – $5,632 per year or $469 per month
- 20-year-old rated driver – $3,958 per year or $330 per month
- 30-year-old rated driver – $2,096 per year or $175 per month
- 40-year-old rated driver – $1,988 per year or $166 per month
- 50-year-old rated driver – $1,812 per year or $151 per month
- 60-year-old rated driver – $1,776 per year or $148 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 $1,650 per year for a middle-aged driver who qualifies for most policy discounts to $4,516 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 $1,988 per year in San Jose.
As a monthly expense, car insurance cost in San Jose ranges from $138 to $376 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 $5,008 to $7,126 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 $636 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 – $1,988 (San Jose average) versus $2,134 (California average)
- San Jose car insurance cost is more than the U.S. average – $1,988 (San Jose average) versus $1,685 (U.S. average)
- Average cost per month ranges from $148 to $594 – 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 Chevrolet Trailblazer, Nissan Kicks, and Mazda CX-5. Average auto insurance rates for those compact SUVs cost $1,588 or less per year, or $132 per month, to have full coverage.
A few other vehicles that are ranked high in our overall cost comparison are the Acura RDX, Hyundai Kona, Honda HR-V, and Subaru Forester. 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 $1,686 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 Cost | Monthly Cost |
|---|---|---|---|
| 1 | Chevrolet Trailblazer | $1,506 | $126 |
| 2 | Subaru Crosstrek | $1,516 | $126 |
| 3 | Nissan Kicks | $1,526 | $127 |
| 4 | Honda Passport | $1,544 | $129 |
| 5 | Nissan Rogue Sport | $1,552 | $129 |
| 6 | Mazda CX-5 | $1,560 | $130 |
| 7 | Buick Encore | $1,586 | $132 |
| 8 | Buick Envision | $1,588 | $132 |
| 9 | Kia Seltos | $1,612 | $134 |
| 10 | Subaru Ascent | $1,616 | $135 |
| 11 | Hyundai Venue | $1,622 | $135 |
| 12 | Subaru Impreza | $1,644 | $137 |
| 13 | Ford Maverick | $1,650 | $138 |
| 14 | Chevrolet Colorado | $1,652 | $138 |
| 15 | Honda HR-V | $1,652 | $138 |
| 16 | Acura RDX | $1,656 | $138 |
| 17 | Hyundai Kona | $1,668 | $139 |
| 18 | Subaru Forester | $1,674 | $140 |
| 19 | Ford Edge | $1,682 | $140 |
| 20 | Honda CR-V | $1,686 | $141 |
| 21 | Mazda CX-30 | $1,690 | $141 |
| 22 | Ford Explorer | $1,692 | $141 |
| 23 | Volkswagen Atlas | $1,696 | $141 |
| 24 | Chevrolet Trax | $1,708 | $142 |
| 25 | Nissan Murano | $1,708 | $142 |
| 26 | Subaru Outback | $1,708 | $142 |
| 27 | Nissan Frontier | $1,716 | $143 |
| 28 | Volkswagen Tiguan | $1,726 | $144 |
| 29 | Ford Bronco Sport | $1,732 | $144 |
| 30 | Fiat 500X | $1,762 | $147 |
| 31 | Ford Ranger | $1,764 | $147 |
| 32 | GMC Terrain | $1,766 | $147 |
| 33 | Kia Soul | $1,770 | $148 |
| 34 | Mitsubishi Eclipse Cross | $1,774 | $148 |
| 35 | Volkswagen Atlas Cross Sport | $1,776 | $148 |
| 36 | Lexus RX 350 | $1,778 | $148 |
| 37 | Acura Integra | $1,786 | $149 |
| 38 | Chevrolet Equinox | $1,788 | $149 |
| 39 | Cadillac XT4 | $1,796 | $150 |
| 40 | Toyota Corolla Cross | $1,796 | $150 |
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 Subaru Legacy costing $1,832 per year for full coverage insurance to the Kia Stinger at $2,254 per year, a difference of $422 within that segment.
Also, in the midsize truck segment, insurance rates range from the Ford Maverick costing $1,650 per year up to the Rivian R1T at $2,472 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 Subaru Impreza at $1,644 per year, Volkswagen Jetta at $1,814 per year, Subaru Legacy at $1,832 per year, and Nissan Sentra at $1,844 per year.
Other models that have cheaper rates include the Mazda 3, Toyota Prius, Volkswagen Golf, and Toyota Camry, with an average cost of $1,918 per year or less.
Ranked from 10th to 20th place, cars like the Honda Civic, Nissan Leaf, Honda Accord, Kia Forte, and Chevrolet Malibu cost between $1,918 and $2,086 per year for insurance in San Jose.
Auto insurance rates in this segment for a safe driver starts at around $137 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 Subaru Impreza at $1,644 per year ($137 per month) and ending with the Volkswagen Arteon at $2,086 per year ($174 per month).
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Subaru Impreza | Compact | $1,644 | $137 |
| Volkswagen Jetta | Compact | $1,814 | $151 |
| Subaru Legacy | Midsize | $1,832 | $153 |
| Nissan Sentra | Compact | $1,844 | $154 |
| Toyota Corolla | Compact | $1,866 | $156 |
| Volkswagen Golf | Compact | $1,872 | $156 |
| Toyota Prius | Compact | $1,876 | $156 |
| Toyota Camry | Midsize | $1,888 | $157 |
| Mazda 3 | Compact | $1,906 | $159 |
| Kia K5 | Midsize | $1,918 | $160 |
| Chevrolet Malibu | Midsize | $1,936 | $161 |
| Chrysler 300 | Full-size | $1,938 | $162 |
| Honda Civic | Compact | $1,948 | $162 |
| Kia Forte | Compact | $1,950 | $163 |
| Mitsubishi Mirage G4 | Compact | $1,960 | $163 |
| Nissan Leaf | Compact | $2,004 | $167 |
| Honda Accord | Midsize | $2,008 | $167 |
| Toyota Crown | Midsize | $2,020 | $168 |
| Tesla Model 3 | Midsize | $2,032 | $169 |
| Volkswagen Arteon | Midsize | $2,086 | $174 |
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 Chevrolet Trailblazer at $1,506 per year, Subaru Crosstrek at $1,516 per year, Nissan Kicks at $1,526 per year, and Honda Passport at $1,544 per year.
Not the cheapest SUVs to insure, but still affordable, are SUVs like the Mazda CX-5, Buick Envision, Subaru Ascent, and Buick Encore, with an average cost to insure of $1,616 per year or less.
Auto insurance in San Jose for this segment for a good driver can cost as low as $126 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 Chevrolet Trailblazer at $1,506 per year, or $126 per month. For midsize models, the Honda Passport is cheapest to insure at $1,544 per year, or $129 per month. And for full-size SUVs, the Chevrolet Tahoe has the best rates at $1,864 per year, or $155 per month.
The rate comparison table below ranks the twenty SUVs with the most affordable insurance in San Jose, starting with the Chevrolet Trailblazer at $126 per month and ending with the Chevrolet Trax at $142 per month.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Trailblazer | Compact | $1,506 | $126 |
| Subaru Crosstrek | Compact | $1,516 | $126 |
| Nissan Kicks | Compact | $1,526 | $127 |
| Honda Passport | Midsize | $1,544 | $129 |
| Nissan Rogue Sport | Compact | $1,552 | $129 |
| Mazda CX-5 | Compact | $1,560 | $130 |
| Buick Encore | Compact | $1,586 | $132 |
| Buick Envision | Compact | $1,588 | $132 |
| Kia Seltos | Compact | $1,612 | $134 |
| Subaru Ascent | Midsize | $1,616 | $135 |
| Hyundai Venue | Compact | $1,622 | $135 |
| Honda HR-V | Compact | $1,652 | $138 |
| Hyundai Kona | Compact | $1,668 | $139 |
| Subaru Forester | Compact | $1,674 | $140 |
| Ford Edge | Midsize | $1,682 | $140 |
| Honda CR-V | Compact | $1,686 | $141 |
| Mazda CX-30 | Compact | $1,690 | $141 |
| Ford Explorer | Midsize | $1,692 | $141 |
| Volkswagen Atlas | Midsize | $1,696 | $141 |
| Chevrolet Trax | Compact | $1,708 | $142 |
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 Acura TLX, Cadillac CT4, BMW 330i, Acura Integra, and Genesis G70. Auto insurance quotes for these 2023 models average $177 or less per month.
Also ranking in the top 10 are models like the Lexus ES 250, Lexus ES 350, BMW 228i, and Cadillac CT5, with an average cost of $2,162 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 $149 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 $1,786 per year. For midsize luxury models, the Cadillac CT5 is the cheapest model to insure at $2,140 per year. And for full-size luxury models, the Audi A5 has the best rates at $2,230 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 $1,786 per year and ending with the Volvo S60 at $2,220 per year.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura Integra | Compact | $1,786 | $149 |
| BMW 330i | Compact | $2,018 | $168 |
| Acura TLX | Compact | $2,052 | $171 |
| Cadillac CT4 | Compact | $2,078 | $173 |
| Genesis G70 | Compact | $2,118 | $177 |
| Cadillac CT5 | Midsize | $2,140 | $178 |
| Lexus ES 350 | Midsize | $2,144 | $179 |
| BMW 330e | Compact | $2,152 | $179 |
| Lexus ES 250 | Midsize | $2,156 | $180 |
| BMW 228i | Compact | $2,162 | $180 |
| Lexus RC 300 | Midsize | $2,166 | $181 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,168 | $181 |
| Audi A3 | Midsize | $2,174 | $181 |
| BMW 230i | Compact | $2,178 | $182 |
| Mercedes-Benz C300 | Compact | $2,194 | $183 |
| Lexus RC 350 | Compact | $2,202 | $184 |
| Audi A4 | Compact | $2,204 | $184 |
| Audi S3 | Compact | $2,218 | $185 |
| Mercedes-Benz AMG CLA45 | Midsize | $2,218 | $185 |
| Volvo S60 | Compact | $2,220 | $185 |
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 RX 350, Acura RDX, Infiniti QX50, and Volvo XC40. Car insurance prices for these 2023 models average $1,840 or less per year, or around $153 per month.
Also ranking well are SUVs like the Mercedes-Benz GLB 250, Lexus UX 250h, Cadillac XT6, and Cadillac XT5, with an average cost to insure of $1,936 per year or less.
Full-coverage auto insurance for this segment in San Jose for an average middle-age driver starts at around $138 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 $1,656 per year, or $138 per month. For midsize luxury SUV models, the Lexus RX 350 is the cheapest model to insure at $1,778 per year, or $148 per month. And for large luxury SUVs, the Volvo XC90 is the cheapest model to insure at $2,048 per year, or $171 per month.
The next table ranks the twenty SUVs with the most affordable car insurance in San Jose, starting with the Acura RDX at $1,656 per year ($138 per month) and ending with the Mercedes-Benz GLC300 at $2,026 per year ($169 per month).
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura RDX | Compact | $1,656 | $138 |
| Lexus RX 350 | Midsize | $1,778 | $148 |
| Cadillac XT4 | Compact | $1,796 | $150 |
| Volvo XC40 | Compact | $1,828 | $152 |
| Infiniti QX50 | Midsize | $1,840 | $153 |
| Lexus UX 250h | Compact | $1,860 | $155 |
| Cadillac XT5 | Midsize | $1,890 | $158 |
| Mercedes-Benz GLA250 | Compact | $1,930 | $161 |
| Cadillac XT6 | Midsize | $1,934 | $161 |
| Mercedes-Benz GLB 250 | Compact | $1,936 | $161 |
| Lexus NX 250 | Compact | $1,962 | $164 |
| Acura MDX | Midsize | $1,976 | $165 |
| Lexus NX 350h | Compact | $1,984 | $165 |
| Lexus NX 350 | Compact | $1,998 | $167 |
| Lincoln Corsair | Compact | $2,000 | $167 |
| Lexus NX 450h | Compact | $2,002 | $167 |
| Lincoln Nautilus | Midsize | $2,014 | $168 |
| Alfa Romeo Tonale | Compact | $2,018 | $168 |
| BMW X1 | Compact | $2,018 | $168 |
| Mercedes-Benz GLC300 | Compact | $2,026 | $169 |
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, Audi TT, Subaru WRX, BMW Z4, and Ford Mustang. Auto insurance quotes for these models average $183 or less per month.
Not the cheapest sports cars to insure, but still affordable, are models like the BMW M2, Subaru BRZ, Nissan Z, and Toyota GR Supra, with an average cost to insure of $2,398 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 $153 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 $1,838 per year ($153 per month) and ending with the Lexus LC 500 at $2,988 per year ($249 per month).
| Make/Model | Vehicle Type | Annual Cost | Monthly Cost |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,838 | $153 |
| Audi TT | Sports Car | $2,060 | $172 |
| Ford Mustang | Sports Car | $2,156 | $180 |
| BMW Z4 | Sports Car | $2,172 | $181 |
| Subaru WRX | Sports Car | $2,196 | $183 |
| Nissan Z | Sports Car | $2,230 | $186 |
| Toyota GR Supra | Sports Car | $2,266 | $189 |
| Toyota GR86 | Sports Car | $2,294 | $191 |
| BMW M2 | Sports Car | $2,296 | $191 |
| Subaru BRZ | Sports Car | $2,398 | $200 |
| Chevrolet Corvette | Sports Car | $2,450 | $204 |
| BMW M3 | Sports Car | $2,506 | $209 |
| Lexus RC F | Sports Car | $2,560 | $213 |
| Porsche 718 | Sports Car | $2,562 | $214 |
| Chevrolet Camaro | Sports Car | $2,602 | $217 |
| Mercedes-Benz AMG GT53 | Sports Car | $2,760 | $230 |
| Jaguar F-Type | Sports Car | $2,856 | $238 |
| Porsche Taycan | Sports Car | $2,918 | $243 |
| BMW M4 | Sports Car | $2,954 | $246 |
| Lexus LC 500 | Sports Car | $2,988 | $249 |
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 Ford Maverick, at an average of $1,650 per year. Second place is the Chevrolet Colorado costing $1,652 per year, the third most affordable is the Nissan Frontier, at an average of $1,716 per year, and the fourth most affordable is the Ford Ranger, at an average of $1,764 per year.
Rounding out the top 10 are pickups like the Toyota Tacoma, Ford F150, Nissan Titan, and Hyundai Santa Cruz, with average rates of $2,022 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 $138 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 Ford Maverick at $1,650 per year ($138 per month) and ending with the Nissan Titan XD at $2,222 per year ($185 per month).
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Ford Maverick | Midsize | $1,650 | $138 |
| Chevrolet Colorado | Midsize | $1,652 | $138 |
| Nissan Frontier | Midsize | $1,716 | $143 |
| Ford Ranger | Midsize | $1,764 | $147 |
| GMC Canyon | Midsize | $1,804 | $150 |
| Toyota Tacoma | Midsize | $1,818 | $152 |
| Hyundai Santa Cruz | Midsize | $1,848 | $154 |
| Nissan Titan | Full-size | $1,966 | $164 |
| Honda Ridgeline | Midsize | $1,974 | $165 |
| Ford F150 | Full-size | $2,022 | $169 |
| GMC Sierra 2500 HD | Heavy Duty | $2,038 | $170 |
| Jeep Gladiator | Midsize | $2,068 | $172 |
| Toyota Tundra | Full-size | $2,090 | $174 |
| GMC Sierra 3500 | Heavy Duty | $2,100 | $175 |
| GMC Sierra | Full-size | $2,170 | $181 |
| Chevrolet Silverado | Full-size | $2,174 | $181 |
| Ram Truck | Full-size | $2,174 | $181 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,178 | $182 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,184 | $182 |
| Nissan Titan XD | Heavy Duty | $2,222 | $185 |
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 $522 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 $1,830 or more.
- Auto insurance is cheaper with higher deductibles. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $276 per year for a 40-year-old driver and $538 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 $312 per year versus a slightly lower credit score between 670-739. Conversely, an imperfect credit score below 579 could cost around $362 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.
