- 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.
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.
| Rank | Make/Model | Annual Cost | Monthly Cost |
|---|---|---|---|
| 1 | Mazda CX-3 | $1,342 | $112 |
| 2 | Chevrolet Spark | $1,352 | $113 |
| 3 | Honda CR-V | $1,396 | $116 |
| 4 | Mazda CX-30 | $1,416 | $118 |
| 5 | Mazda CX-5 | $1,416 | $118 |
| 6 | Kia Rio5 | $1,420 | $118 |
| 7 | Ford Ecosport | $1,422 | $119 |
| 8 | Toyota C-HR | $1,424 | $119 |
| 9 | Toyota Corolla | $1,428 | $119 |
| 10 | Nissan Rogue Sport | $1,436 | $120 |
| 11 | Hyundai Kona | $1,438 | $120 |
| 12 | Chevrolet Trax | $1,446 | $121 |
| 13 | Chevrolet Colorado | $1,452 | $121 |
| 14 | Kia Sedona | $1,452 | $121 |
| 15 | Buick Envision | $1,454 | $121 |
| 16 | Nissan Kicks | $1,456 | $121 |
| 17 | Hyundai Venue | $1,458 | $122 |
| 18 | Mitsubishi Eclipse Cross | $1,460 | $122 |
| 19 | Hyundai Tucson | $1,462 | $122 |
| 20 | Kia Sportage | $1,466 | $122 |
| 21 | Jeep Compass | $1,472 | $123 |
| 22 | Ford Edge | $1,476 | $123 |
| 23 | Kia Soul | $1,476 | $123 |
| 24 | Volkswagen Golf | $1,476 | $123 |
| 25 | Acura RDX | $1,478 | $123 |
| 26 | Chevrolet Equinox | $1,482 | $124 |
| 27 | Chevrolet Blazer | $1,486 | $124 |
| 28 | Subaru Impreza | $1,490 | $124 |
| 29 | Chevrolet Trailblazer | $1,494 | $125 |
| 30 | Honda Passport | $1,494 | $125 |
| 31 | Mazda MX-5 Miata | $1,506 | $126 |
| 32 | Honda HR-V | $1,510 | $126 |
| 33 | Volkswagen Tiguan | $1,512 | $126 |
| 34 | Kia Telluride | $1,514 | $126 |
| 35 | Nissan Frontier | $1,522 | $127 |
| 36 | Volkswagen Atlas | $1,524 | $127 |
| 37 | Ford Ranger | $1,526 | $127 |
| 38 | Subaru Forester | $1,526 | $127 |
| 39 | Cadillac XT4 | $1,528 | $127 |
| 40 | Toyota Tacoma | $1,532 | $128 |
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 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).
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Spark | Compact | $1,352 | $113 |
| Kia Rio5 | Compact | $1,420 | $118 |
| Toyota Corolla | Compact | $1,428 | $119 |
| Volkswagen Golf | Compact | $1,476 | $123 |
| Subaru Impreza | Compact | $1,490 | $124 |
| Nissan Sentra | Compact | $1,550 | $129 |
| Honda Civic | Compact | $1,566 | $131 |
| Mazda 3 | Compact | $1,568 | $131 |
| Kia Rio | Compact | $1,596 | $133 |
| Honda Insight | Midsize | $1,600 | $133 |
| Hyundai Accent | Compact | $1,610 | $134 |
| Mazda 6 | Midsize | $1,628 | $136 |
| Kia Forte | Compact | $1,634 | $136 |
| Chevrolet Malibu | Midsize | $1,638 | $137 |
| Toyota Prius | Compact | $1,728 | $144 |
| Subaru Legacy | Midsize | $1,738 | $145 |
| Kia Cadenza | Full-size | $1,742 | $145 |
| Honda Accord | Midsize | $1,758 | $147 |
| Toyota Camry | Midsize | $1,760 | $147 |
| Volkswagen Passat | Midsize | $1,764 | $147 |
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.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Mazda CX-3 | Compact | $1,342 | $112 |
| Honda CR-V | Compact | $1,396 | $116 |
| Mazda CX-30 | Compact | $1,416 | $118 |
| Mazda CX-5 | Compact | $1,416 | $118 |
| Ford Ecosport | Compact | $1,422 | $119 |
| Toyota C-HR | Compact | $1,424 | $119 |
| Nissan Rogue Sport | Compact | $1,436 | $120 |
| Hyundai Kona | Compact | $1,438 | $120 |
| Chevrolet Trax | Compact | $1,446 | $121 |
| Buick Envision | Compact | $1,454 | $121 |
| Nissan Kicks | Compact | $1,456 | $121 |
| Hyundai Venue | Compact | $1,458 | $122 |
| Mitsubishi Eclipse Cross | Compact | $1,460 | $122 |
| Hyundai Tucson | Compact | $1,462 | $122 |
| Kia Sportage | Compact | $1,466 | $122 |
| Jeep Compass | Compact | $1,472 | $123 |
| Ford Edge | Midsize | $1,476 | $123 |
| Kia Soul | Compact | $1,476 | $123 |
| Chevrolet Equinox | Compact | $1,482 | $124 |
| Chevrolet Blazer | Midsize | $1,486 | $124 |
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.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura ILX | Midsize | $1,608 | $134 |
| Mercedes-Benz A220 | Compact | $1,682 | $140 |
| Volvo S60 | Compact | $1,818 | $152 |
| Lexus RC 300 | Midsize | $1,856 | $155 |
| BMW 330i | Compact | $1,860 | $155 |
| BMW Z4 | Compact | $1,868 | $156 |
| Cadillac CT4 | Compact | $1,872 | $156 |
| Acura TLX | Compact | $1,894 | $158 |
| Lexus ES 350 | Midsize | $1,912 | $159 |
| Lexus RC 350 | Compact | $1,918 | $160 |
| Mercedes-Benz AMG CLA45 | Midsize | $1,920 | $160 |
| BMW i3 | Compact | $1,922 | $160 |
| BMW 230i | Compact | $1,934 | $161 |
| Lexus IS 300 | Midsize | $1,944 | $162 |
| Audi A5 | Full-size | $1,950 | $163 |
| Alfa Romeo Giulia | Compact | $1,958 | $163 |
| Genesis G70 | Compact | $1,958 | $163 |
| Audi S3 | Compact | $1,968 | $164 |
| Audi A3 | Midsize | $1,976 | $165 |
| Cadillac CT5 | Midsize | $1,996 | $166 |
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).
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura RDX | Compact | $1,478 | $123 |
| Cadillac XT4 | Compact | $1,528 | $127 |
| Volvo XC40 | Compact | $1,560 | $130 |
| Volvo V60 | Midsize | $1,654 | $138 |
| Cadillac XT5 | Midsize | $1,696 | $141 |
| Lincoln Corsair | Compact | $1,722 | $144 |
| Lexus UX 250H | Compact | $1,734 | $145 |
| Lincoln Nautilus | Midsize | $1,744 | $145 |
| Volvo XC60 | Compact | $1,752 | $146 |
| Lexus RX 350 | Midsize | $1,776 | $148 |
| BMW X1 | Compact | $1,780 | $148 |
| Lexus UX 200 | Compact | $1,780 | $148 |
| Mercedes-Benz GLB 250 | Compact | $1,780 | $148 |
| Infiniti QX50 | Midsize | $1,782 | $149 |
| Lexus NX 300 | Compact | $1,790 | $149 |
| Jaguar E-Pace | Midsize | $1,792 | $149 |
| Mercedes-Benz GLC300 | Compact | $1,800 | $150 |
| Lexus RX 350L | Midsize | $1,824 | $152 |
| Cadillac XT6 | Midsize | $1,842 | $154 |
| Land Rover Defender | Compact | $1,848 | $154 |
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).
| Make/Model | Vehicle Type | Annual Cost | Monthly Cost |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,506 | $126 |
| Ford Mustang | Sports Car | $1,836 | $153 |
| Audi TT | Sports Car | $1,958 | $163 |
| Subaru WRX | Sports Car | $1,982 | $165 |
| Nissan 370Z | Sports Car | $2,018 | $168 |
| Toyota Supra | Sports Car | $2,026 | $169 |
| Subaru BRZ | Sports Car | $2,118 | $177 |
| Porsche 718 | Sports Car | $2,156 | $180 |
| Chevrolet Corvette | Sports Car | $2,166 | $181 |
| Chevrolet Camaro | Sports Car | $2,220 | $185 |
| Dodge Challenger | Sports Car | $2,382 | $199 |
| Jaguar F-Type | Sports Car | $2,684 | $224 |
| Lexus LC 500 | Sports Car | $2,786 | $232 |
| Porsche 911 | Sports Car | $2,892 | $241 |
| Acura NSX | Sports Car | $3,290 | $274 |
| BMW i8 | Sports Car | $3,294 | $275 |
| Audi R8 | Sports Car | $3,540 | $295 |
| Nissan GT-R | Sports Car | $3,544 | $295 |
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).
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $1,452 | $121 |
| Nissan Frontier | Midsize | $1,522 | $127 |
| Ford Ranger | Midsize | $1,526 | $127 |
| Toyota Tacoma | Midsize | $1,532 | $128 |
| GMC Canyon | Midsize | $1,656 | $138 |
| Jeep Gladiator | Midsize | $1,674 | $140 |
| Honda Ridgeline | Midsize | $1,688 | $141 |
| Ford F150 | Full-size | $1,726 | $144 |
| Toyota Tundra | Full-size | $1,764 | $147 |
| GMC Sierra | Full-size | $1,830 | $153 |
| Ram Truck | Full-size | $1,868 | $156 |
| Nissan Titan | Full-size | $1,876 | $156 |
| Chevrolet Silverado | Full-size | $1,910 | $159 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $1,944 | $162 |
| GMC Sierra 2500 HD | Heavy Duty | $2,024 | $169 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,036 | $170 |
| GMC Sierra 3500 | Heavy Duty | $2,074 | $173 |
| Ford F250 Super Duty | Heavy Duty | $2,100 | $175 |
| Ford F350 Super Duty | Heavy Duty | $2,100 | $175 |
| Ram Truck 2500 | Heavy Duty | $2,102 | $175 |
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.
