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 $1,738 per year, or around $145 per month.
  • San Jose car insurance costs an average of $80 per year more than the California state average rate and $215 per year more than the United States national average.
  • For cheap auto insurance in San Jose, SUV models like the Mazda CX-5, Honda CR-V, and Mazda CX-3 have some of the best rates.
  • A few vehicles with the cheapest car insurance in San Jose for their segment include the Mazda CX-3 ($1,342 per year), Volvo V60 ($1,654 per year), Acura ILX ($1,608 per year), and Chevrolet Tahoe ($1,792 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 $1,738 per year, which is 14.1% more than the overall national average rate of $1,523 per year. The average monthly cost of car insurance in San Jose is $145 for a policy with full coverage.

The average cost of car insurance in California is $1,658 per year, so San Jose drivers pay an average of $80 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 $88 per year more expensive than in San Diego, $366 per year less than in San Francisco, and $10 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 – $6,222 per year or $519 per month
  • 17-year-old rated driver – $5,808 per year or $484 per month
  • 18-year-old rated driver – $5,426 per year or $452 per month
  • 19-year-old rated driver – $4,904 per year or $409 per month
  • 20-year-old rated driver – $3,446 per year or $287 per month
  • 30-year-old rated driver – $1,828 per year or $152 per month
  • 40-year-old rated driver – $1,738 per year or $145 per month
  • 50-year-old rated driver – $1,580 per year or $132 per month
  • 60-year-old rated driver – $1,552 per year or $129 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 2021 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.
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$3,936$328
Safe Driver Age 20$3,446$287
At-fault Accidents Age 40$2,450$204
Low Deductibles Age 40$2,254$188
Safe Driver Age 30$1,828$152
Safe Driver Age 40$1,738$145
Safe Driver Age 50$1,580$132
Safe Driver Age 60$1,552$129
High Deductibles Age 40$1,470$123
Discount Rate Age 40$1,442$120

Average rates in the previous chart range from $1,442 per year for a middle-aged driver who qualifies for most policy discounts to $3,936 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 $1,738 per year in San Jose.

As a monthly expense, car insurance cost in San Jose ranges from $120 to $328 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 $4,362 to $6,222 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 $518 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 – $1,738 (San Jose average) versus $1,658 (California average)
  • San Jose car insurance cost is more than the U.S. average – $1,738 (San Jose average) versus $1,523 (U.S. average)
  • Average cost per month ranges from $123 to $494 – 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-3, Mazda CX-5, and Ford Ecosport. Average auto insurance rates for those compact SUVs cost $1,436 or less per year, or $120 per month, to have full coverage.

A few other vehicles that are ranked high in our overall cost comparison are the Hyundai Venue, Mitsubishi Eclipse Cross, Kia Sedona, and Hyundai Tucson. 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 $1,472 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-3$1,342$112
2Chevrolet Spark$1,352$113
3Honda CR-V$1,396$116
4Mazda CX-30$1,416$118
5Mazda CX-5$1,416$118
6Kia Rio5$1,420$118
7Ford Ecosport$1,422$119
8Toyota C-HR$1,424$119
9Toyota Corolla$1,428$119
10Nissan Rogue Sport$1,436$120
11Hyundai Kona$1,438$120
12Chevrolet Trax$1,446$121
13Chevrolet Colorado$1,452$121
14Kia Sedona$1,452$121
15Buick Envision$1,454$121
16Nissan Kicks$1,456$121
17Hyundai Venue$1,458$122
18Mitsubishi Eclipse Cross$1,460$122
19Hyundai Tucson$1,462$122
20Kia Sportage$1,466$122
21Jeep Compass$1,472$123
22Ford Edge$1,476$123
23Kia Soul$1,476$123
24Volkswagen Golf$1,476$123
25Acura RDX$1,478$123
26Chevrolet Equinox$1,482$124
27Chevrolet Blazer$1,486$124
28Subaru Impreza$1,490$124
29Chevrolet Trailblazer$1,494$125
30Honda Passport$1,494$125
31Mazda MX-5 Miata$1,506$126
32Honda HR-V$1,510$126
33Volkswagen Tiguan$1,512$126
34Kia Telluride$1,514$126
35Nissan Frontier$1,522$127
36Volkswagen Atlas$1,524$127
37Ford Ranger$1,526$127
38Subaru Forester$1,526$127
39Cadillac XT4$1,528$127
40Toyota Tacoma$1,532$128

    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.
    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 2021 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.
    San Jose, CA, Car Insurance Rates by Vehicle Segment
    San Jose Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Large Van$1,570$131
    Small SUV$1,572$131
    Midsize Truck$1,576$131
    Midsize Van$1,622$135
    Midsize Minivan$1,648$137
    Small Car$1,702$142
    Midsize SUV$1,734$145
    Midsize Car$1,796$150
    Large Truck$1,830$153
    Small Luxury SUV$1,870$156
    Large SUV$1,874$156
    Large Car$1,948$162
    Midsize Luxury SUV$2,018$168
    Small Luxury Car$2,022$169
    Heavy Duty Truck$2,078$173
    Midsize Luxury Car$2,328$194
    Sports Car$2,466$206
    Large Luxury SUV$2,504$209
    Large Luxury Car$2,760$230
    Exotic Car$3,494$291

    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 Honda Insight costing $1,600 per year for full coverage insurance to the Kia Stinger at $2,008 per year, a difference of $408 within that segment.

    Also, in the midsize truck segment, insurance rates range from the Chevrolet Colorado costing $1,452 per year up to the Honda Ridgeline at $1,688 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 Chevrolet Spark at $1,352 per year, Kia Rio5 at $1,420 per year, Toyota Corolla at $1,428 per year, and Volkswagen Golf at $1,476 per year.

    Other models that have cheaper rates include the Kia Rio, Honda Civic, Nissan Sentra, and Mazda 3, with an average cost of $1,600 per year or less.

    Ranked from 10th to 20th place, cars like the Kia Forte, Subaru Legacy, Kia Cadenza, Chevrolet Malibu, and Hyundai Accent cost between $1,600 and $1,764 per year for insurance in San Jose.

    Auto insurance rates in this segment for a safe driver starts at around $113 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 Chevrolet Spark at $1,352 per year ($113 per month) and ending with the Volkswagen Passat at $1,764 per year ($147 per month).

    Cheapest Car Insurance in San Jose, CA
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Chevrolet SparkCompact$1,352$113
    Kia Rio5Compact$1,420$118
    Toyota CorollaCompact$1,428$119
    Volkswagen GolfCompact$1,476$123
    Subaru ImprezaCompact$1,490$124
    Nissan SentraCompact$1,550$129
    Honda CivicCompact$1,566$131
    Mazda 3Compact$1,568$131
    Kia RioCompact$1,596$133
    Honda InsightMidsize$1,600$133
    Hyundai AccentCompact$1,610$134
    Mazda 6Midsize$1,628$136
    Kia ForteCompact$1,634$136
    Chevrolet MalibuMidsize$1,638$137
    Toyota PriusCompact$1,728$144
    Subaru LegacyMidsize$1,738$145
    Kia CadenzaFull-size$1,742$145
    Honda AccordMidsize$1,758$147
    Toyota CamryMidsize$1,760$147
    Volkswagen PassatMidsize$1,764$147

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2021 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.
      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-3 at $1,342 per year, Honda CR-V at $1,396 per year, Mazda CX-5 at $1,416 per year, and Mazda CX-30 at $1,416 per year.

      Not the cheapest SUVs to insure, but still affordable, are SUVs like the Toyota C-HR, Hyundai Kona, Buick Envision, and Nissan Rogue Sport, with an average cost to insure of $1,454 per year or less.

      Auto insurance in San Jose for this segment for a good driver can cost as low as $112 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-3 at $1,342 per year, or $112 per month. For midsize models, the Ford Edge is cheapest to insure at $1,476 per year, or $123 per month. And for full-size SUVs, the Chevrolet Tahoe has the best rates at $1,792 per year, or $149 per month.

      The rate comparison table below ranks the twenty SUVs with the most affordable insurance in San Jose, starting with the Mazda CX-3 at $112 per month and ending with the Chevrolet Equinox at $124 per month.

      Cheapest SUV Insurance in San Jose, CA
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-3Compact$1,342$112
      Honda CR-VCompact$1,396$116
      Mazda CX-30Compact$1,416$118
      Mazda CX-5Compact$1,416$118
      Ford EcosportCompact$1,422$119
      Toyota C-HRCompact$1,424$119
      Nissan Rogue SportCompact$1,436$120
      Hyundai KonaCompact$1,438$120
      Chevrolet TraxCompact$1,446$121
      Buick EnvisionCompact$1,454$121
      Nissan KicksCompact$1,456$121
      Hyundai VenueCompact$1,458$122
      Mitsubishi Eclipse CrossCompact$1,460$122
      Hyundai TucsonCompact$1,462$122
      Kia SportageCompact$1,466$122
      Jeep CompassCompact$1,472$123
      Ford EdgeMidsize$1,476$123
      Kia SoulCompact$1,476$123
      Chevrolet EquinoxCompact$1,482$124
      Chevrolet BlazerMidsize$1,486$124

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2021 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.
        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 Volvo S60, Lexus RC 300, Mercedes-Benz A220, Acura ILX, and BMW 330i. Auto insurance quotes for these 2021 models average $155 or less per month.

        Also ranking in the top 10 are models like the Lexus ES 350, Cadillac CT4, Lexus RC 350, and BMW Z4, with an average cost of $1,918 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 $134 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 $1,682 per year. For midsize luxury models, the Acura ILX is the cheapest model to insure at $1,608 per year. And for full-size luxury models, the Audi A5 has the best rates at $1,950 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 $1,608 per year and ending with the Cadillac CT5 at $1,996 per year.

        Cheapest Luxury Car Insurance in San Jose, CA
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Acura ILXMidsize$1,608$134
        Mercedes-Benz A220Compact$1,682$140
        Volvo S60Compact$1,818$152
        Lexus RC 300Midsize$1,856$155
        BMW 330iCompact$1,860$155
        BMW Z4Compact$1,868$156
        Cadillac CT4Compact$1,872$156
        Acura TLXCompact$1,894$158
        Lexus ES 350Midsize$1,912$159
        Lexus RC 350Compact$1,918$160
        Mercedes-Benz AMG CLA45Midsize$1,920$160
        BMW i3Compact$1,922$160
        BMW 230iCompact$1,934$161
        Lexus IS 300Midsize$1,944$162
        Audi A5Full-size$1,950$163
        Alfa Romeo GiuliaCompact$1,958$163
        Genesis G70Compact$1,958$163
        Audi S3Compact$1,968$164
        Audi A3Midsize$1,976$165
        Cadillac CT5Midsize$1,996$166

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2021 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.
          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, Cadillac XT5, and Volvo V60. Car insurance prices for these 2021 models average $1,696 or less per year, or around $141 per month.

          Also ranking well are SUVs like the Lexus RX 350, Lincoln Corsair, Volvo XC60, and Lexus UX 250H, with an average cost to insure of $1,776 per year or less.

          Full-coverage auto insurance for this segment in San Jose for an average middle-age driver starts at around $123 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 $1,478 per year, or $123 per month. For midsize luxury SUV models, the Volvo V60 is the cheapest model to insure at $1,654 per year, or $138 per month. And for large luxury SUVs, the Volvo XC90 is the cheapest model to insure at $1,858 per year, or $155 per month.

          The next table ranks the twenty SUVs with the most affordable car insurance in San Jose, starting with the Acura RDX at $1,478 per year ($123 per month) and ending with the Land Rover Defender at $1,848 per year ($154 per month).

          Cheapest Luxury SUV Insurance in San Jose, CA
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura RDXCompact$1,478$123
          Cadillac XT4Compact$1,528$127
          Volvo XC40Compact$1,560$130
          Volvo V60Midsize$1,654$138
          Cadillac XT5Midsize$1,696$141
          Lincoln CorsairCompact$1,722$144
          Lexus UX 250HCompact$1,734$145
          Lincoln NautilusMidsize$1,744$145
          Volvo XC60Compact$1,752$146
          Lexus RX 350Midsize$1,776$148
          BMW X1Compact$1,780$148
          Lexus UX 200Compact$1,780$148
          Mercedes-Benz GLB 250Compact$1,780$148
          Infiniti QX50Midsize$1,782$149
          Lexus NX 300Compact$1,790$149
          Jaguar E-PaceMidsize$1,792$149
          Mercedes-Benz GLC300Compact$1,800$150
          Lexus RX 350LMidsize$1,824$152
          Cadillac XT6Midsize$1,842$154
          Land Rover DefenderCompact$1,848$154

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2021 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.
            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, Nissan 370Z, Subaru WRX, and Audi TT. Auto insurance quotes for these models average $168 or less per month.

            Not the cheapest sports cars to insure, but still affordable, are models like the Chevrolet Corvette, Chevrolet Camaro, Toyota Supra, and Subaru BRZ, with an average cost to insure of $2,220 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 $126 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 $1,506 per year ($126 per month) and ending with the Mercedes-Benz Maybach at $3,522 per year ($294 per month).

            Cheapest Sports Car Insurance in San Jose, CA
            Make/Model Vehicle Type Annual Cost Monthly Cost
            Mazda MX-5 MiataSports Car$1,506$126
            Ford MustangSports Car$1,836$153
            Audi TTSports Car$1,958$163
            Subaru WRXSports Car$1,982$165
            Nissan 370ZSports Car$2,018$168
            Toyota SupraSports Car$2,026$169
            Subaru BRZSports Car$2,118$177
            Porsche 718Sports Car$2,156$180
            Chevrolet CorvetteSports Car$2,166$181
            Chevrolet CamaroSports Car$2,220$185
            Dodge ChallengerSports Car$2,382$199
            Jaguar F-TypeSports Car$2,684$224
            Lexus LC 500Sports Car$2,786$232
            Porsche 911Sports Car$2,892$241
            Acura NSXSports Car$3,290$274
            BMW i8Sports Car$3,294$275
            Audi R8Sports Car$3,540$295
            Nissan GT-RSports Car$3,544$295

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2021 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.
              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 $1,452 per year. Second place is the Nissan Frontier costing $1,522 per year, the third most affordable is the Ford Ranger, at an average of $1,526 per year, and the fourth most affordable is the Toyota Tacoma, at an average of $1,532 per year.

              Rounding out the top 10 are pickups like the Jeep Gladiator, GMC Sierra, Ford F150, and Honda Ridgeline, with average rates of $1,830 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 $121 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 $1,452 per year ($121 per month) and ending with the Ram Truck 2500 at $2,102 per year ($175 per month).

              Cheapest Pickup Insurance in San Jose, CA
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Chevrolet ColoradoMidsize$1,452$121
              Nissan FrontierMidsize$1,522$127
              Ford RangerMidsize$1,526$127
              Toyota TacomaMidsize$1,532$128
              GMC CanyonMidsize$1,656$138
              Jeep GladiatorMidsize$1,674$140
              Honda RidgelineMidsize$1,688$141
              Ford F150Full-size$1,726$144
              Toyota TundraFull-size$1,764$147
              GMC SierraFull-size$1,830$153
              Ram TruckFull-size$1,868$156
              Nissan TitanFull-size$1,876$156
              Chevrolet SilveradoFull-size$1,910$159
              Chevrolet Silverado HD 3500Heavy Duty$1,944$162
              GMC Sierra 2500 HDHeavy Duty$2,024$169
              Chevrolet Silverado HD 2500Heavy Duty$2,036$170
              GMC Sierra 3500Heavy Duty$2,074$173
              Ford F250 Super DutyHeavy Duty$2,100$175
              Ford F350 Super DutyHeavy Duty$2,100$175
              Ram Truck 2500Heavy Duty$2,102$175

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2021 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.
                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 $452 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 $1,590 or more.
                • Auto insurance is cheaper with higher deductibles. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $234 per year for a 40-year-old driver and $450 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 $273 per year versus a slightly lower credit score between 670-739. Conversely, an imperfect credit score below 579 could cost around $316 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.