Car Insurance Cost in San Jose, CA – Cheapest Rates + Rankings

What are the cheapest cars to insure in San Jose, CA? Get ready to find out as we compare rates by segment to find the models with cheap car insurance in San Jose.

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  • Average car insurance cost in San Jose is $1,800 per year, or around $150 per month.
  • San Jose car insurance costs an average of $54 per year more than the California state average rate and $249 per year more than the United States national average.
  • For cheap auto insurance in San Jose, SUV models like the Chevrolet Trailblazer, Nissan Kicks, and Mazda CX-5 have some of the best rates.
  • A few vehicles with the cheapest car insurance in San Jose for their segment include the Mazda CX-5 ($1,370 per year), Cadillac XT5 ($1,772 per year), Acura ILX ($1,658 per year), and Chevrolet Tahoe ($1,810 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 $1,800 per year, which is 16.1% more than the overall national average rate of $1,551 per year. The average monthly cost of car insurance in San Jose is $150 for a policy with full coverage.

The average cost of car insurance in California is $1,746 per year, so San Jose drivers pay an average of $54 more 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, $372 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 – $6,446 per year or $537 per month
  • 17-year-old rated driver – $6,020 per year or $502 per month
  • 18-year-old rated driver – $5,620 per year or $468 per month
  • 19-year-old rated driver – $5,082 per year or $424 per month
  • 20-year-old rated driver – $3,570 per year or $298 per month
  • 30-year-old rated driver – $1,894 per year or $158 per month
  • 40-year-old rated driver – $1,800 per year or $150 per month
  • 50-year-old rated driver – $1,638 per year or $137 per month
  • 60-year-old rated driver – $1,608 per year or $134 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for the 2022 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in San Jose includes all Zip Codes and vehicle trim levels.Data last updated on May 19, 2022
San Jose, CA Car Insurance Cost by Driver Risk Profile
Average Car Insurance Cost in San Jose, CA
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$4,074$340
Safe Driver Age 20$3,570$298
At-fault Accidents Age 40$2,538$212
Low Deductibles Age 40$2,338$195
Safe Driver Age 30$1,894$158
Safe Driver Age 40$1,800$150
Safe Driver Age 50$1,638$137
Safe Driver Age 60$1,608$134
High Deductibles Age 40$1,522$127
Discount Rate Age 40$1,494$125

Average rates in the previous chart range from $1,494 per year for a middle-aged driver who qualifies for most policy discounts to $4,074 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 $1,800 per year in San Jose.

As a monthly expense, car insurance cost in San Jose ranges from $125 to $340 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 $4,520 to $6,446 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 $538 more per year for a policy with $250 deductibles compared to $1,000 deductibles.
  • San Jose car insurance prices are more expensive than the California state average – $1,800 (San Jose average) versus $1,746 (California average)
  • San Jose car insurance cost is more than the U.S. average – $1,800 (San Jose average) versus $1,551 (U.S. average)
  • Average cost per month ranges from $128 to $512 – 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 Mazda CX-5, Chevrolet Trailblazer, and Toyota C-HR. Average auto insurance rates for those compact SUVs cost $1,504 or less per year, or $125 per month, to have full coverage.

A few other vehicles that are ranked high in our overall cost comparison are the Subaru Ascent, Hyundai Kona, Acura RDX, and Subaru Impreza. 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 $1,560 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.

Top 40 Cheapest Cars, Trucks, and SUVs to Insure in San Jose
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$1,370$114
2Nissan Kicks$1,406$117
3Chevrolet Trailblazer$1,414$118
4Honda Passport$1,446$121
5Subaru Crosstrek$1,446$121
6Chevrolet Colorado$1,482$124
7Buick Encore$1,488$124
8Toyota C-HR$1,490$124
9Nissan Rogue Sport$1,504$125
10Hyundai Venue$1,526$127
11Buick Envision$1,532$128
12Kia Seltos$1,536$128
13Ford Maverick$1,540$128
14Acura RDX$1,544$129
15Subaru Ascent$1,546$129
16Toyota Corolla Cross$1,546$129
17Subaru Forester$1,558$130
18Hyundai Kona$1,560$130
19Mazda MX-5 Miata$1,560$130
20Subaru Impreza$1,562$130
21Volkswagen Tiguan$1,564$130
22Chevrolet Spark$1,570$131
23Honda CR-V$1,576$131
24Cadillac XT4$1,582$132
25Mazda CX-30$1,594$133
26Ford Ranger$1,598$133
27Honda HR-V$1,618$135
28Ford Edge$1,622$135
29Ford Ecosport$1,630$136
30Chevrolet Trax$1,650$138
31Subaru Outback$1,652$138
32Acura ILX$1,658$138
33GMC Terrain$1,658$138
34Mitsubishi Eclipse Cross$1,662$139
35Hyundai Tucson$1,670$139
36Nissan Murano$1,672$139
37Toyota Tacoma$1,672$139
38Chevrolet Bolt$1,680$140
39Chevrolet Equinox$1,682$140
40Honda Odyssey$1,682$140

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in San Jose, CA.Data last updated on March 24, 2022
    Top 40 Cheapest Cars, Trucks, and SUVs to Insure in San Jose

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average San Jose car insurance cost by segment is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all San Jose Zip Codes.Data last updated on April 12, 2022
    San Jose, CA, Car Insurance Rates by Vehicle Segment
    San Jose Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,680$140
    Midsize Pickup$1,724$144
    Minivan$1,812$151
    Midsize SUV$1,820$152
    Compact Car$1,850$154
    Midsize Car$1,876$156
    Half-ton Pickup$1,956$163
    Compact Luxury SUV$2,022$169
    Large SUV$2,032$169
    Compact Luxury Car$2,042$170
    Large Car$2,080$173
    Heavy Duty Pickup$2,146$179
    Midsize Luxury SUV$2,172$181
    Midsize Luxury Car$2,382$199
    Sports Car$2,538$212
    Large Luxury SUV$2,718$227
    Large Luxury Car$2,844$237

    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 $1,746 per year for full coverage insurance to the Kia Stinger at $2,120 per year, a difference of $374 within that segment.

    Also, in the midsize truck segment, insurance rates range from the Chevrolet Colorado costing $1,482 per year up to the Rivian R1T at $2,288 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 $1,562 per year, Chevrolet Spark at $1,570 per year, Volkswagen Golf at $1,730 per year, and Subaru Legacy at $1,746 per year.

    Other models that have cheaper rates include the Toyota Corolla, Nissan Sentra, Honda Insight, and Kia K5, with an average cost of $1,770 per year or less.

    Ranked from 10th to 20th place, cars like the Honda Civic, Toyota Prius, Hyundai Accent, Mazda 3, and Volkswagen Passat cost between $1,770 and $1,870 per year for insurance in San Jose.

    Auto insurance rates in this segment for a safe driver starts at around $130 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 $1,562 per year ($130 per month) and ending with the Chevrolet Malibu at $1,870 per year ($156 per month).

    Cheapest Car Insurance in San Jose, CA
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$1,562$130
    Chevrolet SparkCompact$1,570$131
    Volkswagen GolfCompact$1,730$144
    Subaru LegacyMidsize$1,746$146
    Honda InsightMidsize$1,748$146
    Volkswagen JettaCompact$1,750$146
    Nissan SentraCompact$1,756$146
    Kia K5Midsize$1,766$147
    Toyota CorollaCompact$1,768$147
    Toyota CamryMidsize$1,770$148
    Kia RioCompact$1,776$148
    Volkswagen PassatMidsize$1,780$148
    Honda CivicCompact$1,782$149
    Mazda 3Compact$1,782$149
    Mazda 6Midsize$1,792$149
    Toyota PriusCompact$1,800$150
    Hyundai AccentCompact$1,822$152
    Hyundai VelosterCompact$1,838$153
    Kia ForteCompact$1,842$154
    Chevrolet MalibuMidsize$1,870$156

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in San Jose, CA.Data last updated on March 24, 2022
      Cheapest Car Insurance in San Jose, CA

      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 Mazda CX-5 at $1,370 per year, Nissan Kicks at $1,406 per year, Chevrolet Trailblazer at $1,414 per year, and Subaru Crosstrek at $1,446 per year.

      Not the cheapest SUVs to insure, but still affordable, are SUVs like the Toyota C-HR, Nissan Rogue Sport, Buick Envision, and Buick Encore, with an average cost to insure of $1,532 per year or less.

      Auto insurance in San Jose for this segment for a good driver can cost as low as $114 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 Mazda CX-5 at $1,370 per year, or $114 per month. For midsize models, the Honda Passport is cheapest to insure at $1,446 per year, or $121 per month. And for full-size SUVs, the Chevrolet Tahoe has the best rates at $1,810 per year, or $151 per month.

      The rate comparison table below ranks the twenty SUVs with the most affordable insurance in San Jose, starting with the Mazda CX-5 at $114 per month and ending with the Ford Edge at $135 per month.

      Cheapest SUV Insurance in San Jose, CA
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-5Compact$1,370$114
      Nissan KicksCompact$1,406$117
      Chevrolet TrailblazerCompact$1,414$118
      Honda PassportMidsize$1,446$121
      Subaru CrosstrekCompact$1,446$121
      Buick EncoreCompact$1,488$124
      Toyota C-HRCompact$1,490$124
      Nissan Rogue SportCompact$1,504$125
      Hyundai VenueCompact$1,526$127
      Buick EnvisionCompact$1,532$128
      Kia SeltosCompact$1,536$128
      Subaru AscentMidsize$1,546$129
      Toyota Corolla CrossCompact$1,546$129
      Subaru ForesterCompact$1,558$130
      Hyundai KonaCompact$1,560$130
      Volkswagen TiguanCompact$1,564$130
      Honda CR-VCompact$1,576$131
      Mazda CX-30Compact$1,594$133
      Honda HR-VCompact$1,618$135
      Ford EdgeMidsize$1,622$135

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in San Jose, CA.Data last updated on March 24, 2022
        Cheapest SUV Insurance in San Jose, CA

        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 BMW 330i, Acura TLX, Mercedes-Benz A220, Acura ILX, and Volvo S60. Auto insurance quotes for these 2022 models average $161 or less per month.

        Also ranking in the top 10 are models like the Lexus RC 300, BMW 228i, Alfa Romeo Giulia, and BMW 330e, with an average cost of $2,000 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 $138 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 Mercedes-Benz A220 at $1,772 per year. For midsize luxury models, the Acura ILX is the cheapest model to insure at $1,658 per year. And for full-size luxury models, the Audi A5 has the best rates at $2,112 per year.

        The comparison table below ranks the twenty luxury cars with the cheapest car insurance rates in San Jose, starting with the Acura ILX at $1,658 per year and ending with the Audi S3 at $2,094 per year.

        Cheapest Luxury Car Insurance in San Jose, CA
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Acura ILXMidsize$1,658$138
        Mercedes-Benz A220Compact$1,772$148
        BMW 330iCompact$1,904$159
        Acura TLXCompact$1,912$159
        Volvo S60Compact$1,932$161
        BMW 330eCompact$1,940$162
        BMW 228iCompact$1,950$163
        BMW 230iCompact$1,964$164
        Lexus RC 300Midsize$1,994$166
        Cadillac CT4Compact$1,998$167
        Alfa Romeo GiuliaCompact$2,000$167
        Lexus RC 350Compact$2,004$167
        Genesis G70Compact$2,030$169
        Mercedes-Benz AMG CLA35Midsize$2,044$170
        BMW i4Midsize$2,056$171
        Cadillac CT5Midsize$2,060$172
        Audi A3Midsize$2,080$173
        Audi A4Compact$2,084$174
        Mercedes-Benz AMG CLA45Midsize$2,090$174
        Audi S3Compact$2,094$175

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in San Jose, CA.Data last updated on March 13, 2022
          Cheapest Luxury Car Insurance in San Jose, CA

          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 Volvo XC40, Cadillac XT4, Acura RDX, Lexus NX 250, and Cadillac XT5. Car insurance prices for these 2022 models average $1,792 or less per year, or around $149 per month.

          Also ranking well are SUVs like the Lexus UX 200, BMW X1, Lexus NX 350, and Lexus NX 350h, with an average cost to insure of $1,838 per year or less.

          Full-coverage auto insurance for this segment in San Jose for an average middle-age driver starts at around $129 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 $1,544 per year, or $129 per month. For midsize luxury SUV models, the Cadillac XT5 is the cheapest model to insure at $1,772 per year, or $148 per month. And for large luxury SUVs, the Volvo XC90 is the cheapest model to insure at $1,948 per year, or $162 per month.

          The next table ranks the twenty SUVs with the most affordable car insurance in San Jose, starting with the Acura RDX at $1,544 per year ($129 per month) and ending with the Lincoln Corsair at $1,908 per year ($159 per month).

          Cheapest Luxury SUV Insurance in San Jose, CA
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura RDXCompact$1,544$129
          Cadillac XT4Compact$1,582$132
          Volvo XC40Compact$1,734$145
          Cadillac XT5Midsize$1,772$148
          Lexus NX 250Compact$1,792$149
          BMW X1Compact$1,794$150
          Lexus NX 350hCompact$1,804$150
          Lexus UX 250hCompact$1,806$151
          Lexus NX 350Compact$1,836$153
          Lexus UX 200Compact$1,838$153
          Jaguar E-PaceMidsize$1,848$154
          Lexus RX 350Midsize$1,854$155
          Acura MDXMidsize$1,864$155
          Lincoln NautilusMidsize$1,882$157
          Lexus NX 450hCompact$1,888$157
          Mercedes-Benz GLB 250Compact$1,892$158
          Lexus RX 450hMidsize$1,898$158
          Land Rover EvoqueCompact$1,904$159
          Infiniti QX50Midsize$1,906$159
          Lincoln CorsairCompact$1,908$159

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in San Jose, CA.Data last updated on March 13, 2022
            Cheapest Luxury SUV Insurance in San Jose, CA

            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, Ford Mustang, Toyota GR86, Subaru WRX, and BMW Z4. Auto insurance quotes for these models average $175 or less per month.

            Not the cheapest sports cars to insure, but still affordable, are models like the Subaru BRZ, BMW M3, Toyota GR Supra, and Audi TT, with an average cost to insure of $2,328 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 $130 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 $1,560 per year ($130 per month) and ending with the Lexus LC 500 at $2,966 per year ($247 per month).

            Cheapest Sports Car Insurance in San Jose, CA
            Make/Model Vehicle Type Annual Cost Monthly Cost
            Mazda MX-5 MiataSports Car$1,560$130
            Ford MustangSports Car$1,898$158
            BMW Z4Sports Car$1,940$162
            Subaru WRXSports Car$2,046$171
            Toyota GR86Sports Car$2,098$175
            Toyota GR SupraSports Car$2,144$179
            Audi TTSports Car$2,192$183
            Subaru BRZSports Car$2,258$188
            Chevrolet CorvetteSports Car$2,266$189
            BMW M3Sports Car$2,328$194
            Porsche 718Sports Car$2,434$203
            Chevrolet CamaroSports Car$2,494$208
            Lexus RC FSports Car$2,542$212
            Dodge ChallengerSports Car$2,562$214
            Mercedes-Benz AMG GT53Sports Car$2,600$217
            Jaguar F-TypeSports Car$2,720$227
            Porsche TaycanSports Car$2,794$233
            Porsche 911Sports Car$2,862$239
            BMW M4Sports Car$2,868$239
            Lexus LC 500Sports Car$2,966$247

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in San Jose, CA.Data last updated on April 2, 2022
              Cheapest Sports Car Insurance in San Jose, CA

              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 $1,482 per year. Second place is the Ford Maverick costing $1,540 per year, the third most affordable is the Ford Ranger, at an average of $1,598 per year, and the fourth most affordable is the Toyota Tacoma, at an average of $1,672 per year.

              Rounding out the top 10 are pickups like the GMC Canyon, Jeep Gladiator, Ford F150, and Hyundai Santa Cruz, with average rates of $1,770 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 $124 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 $1,482 per year ($124 per month) and ending with the GMC Sierra 3500 at $2,114 per year ($176 per month).

              Cheapest Pickup Insurance in San Jose, CA
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Chevrolet ColoradoMidsize$1,482$124
              Ford MaverickMidsize$1,540$128
              Ford RangerMidsize$1,598$133
              Toyota TacomaMidsize$1,672$139
              Nissan FrontierMidsize$1,714$143
              GMC CanyonMidsize$1,724$144
              Hyundai Santa CruzMidsize$1,728$144
              Ford F150Full-size$1,740$145
              Honda RidgelineMidsize$1,756$146
              Jeep GladiatorMidsize$1,770$148
              GMC SierraFull-size$1,836$153
              Nissan TitanFull-size$1,900$158
              Chevrolet SilveradoFull-size$1,934$161
              Toyota TundraFull-size$1,934$161
              Ford F350 Super DutyHeavy Duty$1,954$163
              Chevrolet Silverado HD 3500Heavy Duty$1,970$164
              Nissan Titan XDHeavy Duty$2,022$169
              Ram TruckFull-size$2,056$171
              GMC Sierra 2500 HDHeavy Duty$2,100$175
              GMC Sierra 3500Heavy Duty$2,114$176

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in San Jose, CA.Data last updated on March 9, 2022
                Cheapest Pickup Insurance in San Jose, CA

                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 $470 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 $1,646 or more.
                • Auto insurance is cheaper with higher deductibles. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $232 per year for a 40-year-old driver and $452 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 $283 per year versus a slightly lower credit score between 670-739. Conversely, an imperfect credit score below 579 could cost around $328 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.