Who Has Affordable Auto Insurance for a Toyota Tacoma in San Jose?

Finding the cheapest auto insurance for a Toyota Tacoma in California is dependent upon a whole bunch of rating criteria such as whether you own a home, the size of your vehicle, and your driving record. California drivers will pay around $1,382 a year for Tacoma insurance, but that cost is calculated using a 40-year-old single female driver with full coverage and $500 deductibles.

There is a good probability you’re not a 40-year-old female, you might be married instead of single, or maybe you don’t qualify for the same discounts. Just a minor difference in the criteria used to calculate rates can result in a big discrepancy in how much insurance for a Toyota Tacoma costs.

This example demonstrates why the best way to find the most affordable coverage for your Toyota is to just take the time to compare rates yourself. Price quotes are quick and you will receive price comparisons from some of the best companies that offer coverage in California.

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The trim level of your vehicle will most likely have an effect on the yearly cost, so the rate you pay to insure a Tacoma 2WD trim level will be $68 cheaper than the insurance cost for the more costly Tacoma Double Cab TRD Sport Package 4WD trim level, as shown by the rates below.

Toyota Tacoma Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $232 $524 $574 $34 $172 $1,536 $128
Tacoma 4WD $266 $430 $574 $34 $172 $1,476 $123
Tacoma Double Cab 4WD $266 $524 $574 $34 $172 $1,570 $131
Tacoma X-Runner 2WD $266 $618 $574 $34 $172 $1,664 $139
Tacoma Double Cab 4WD $300 $524 $574 $34 $172 $1,604 $134
Tacoma Double Cab TRD Off-Road Package 4WD $300 $524 $574 $34 $172 $1,604 $134
Tacoma Double Cab TRD Sport Package 4WD $300 $524 $574 $34 $172 $1,604 $134
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Prices do not factor in specific location which can raise or lower coverage rates significantly.

Deciding which companies quote the cheapest car insurance rates for a Toyota Tacoma will involve more work than just picking a company at random. Every insurance provider has a unique approach for setting prices, so let’s examine the most budget-friendly car insurance companies in San Jose.

It’s a good idea to be aware that California car insurance rates are influenced by many factors which can substantially decrease or increase your annual premium. Getting older, getting married, or having an accident can produce rate changes that can now make some companies more affordable than others.

Cheapest Insurance Rates for Your Tacoma

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Rankings for the cheapest California auto insurance companies
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,181
3 CSAA $1,222
4 Century National $1,226
5 Nationwide $1,250
6 21st Century $1,379
7 Grange $1,491
8 Allstate $1,497
9 Progressive $1,512
10 GEICO $1,529
11 Mercury $1,533
12 Allied $1,556
13 The Hartford $1,575
14 MetLife $1,590
15 Unitrin $1,682
16 Esurance $1,739
17 State Farm $1,750
18 Bristol West $1,795
19 Travelers $1,842
20 Farmers $1,946
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USAA quotes some of the best car insurance rates in San Jose at around $1,121 a year. This is $530 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also qualify as some of the cheaper San Jose, CA car insurance companies.

As illustrated above, if you currently have coverage with CSAA and switched to USAA, you might achieve an annual savings of in the neighborhood of $101. Policyholders with Century National might save as much as $105 a year, and Nationwide insureds might lower prices by up to $129 a year.

Be aware that those prices are averages for all insureds and vehicles and and are not calculated with a specific zip code for a Toyota Tacoma. So the insurer that has the cheapest rates for you may not even be in the top 24 companies shown above. That underscores the importance of why you need to get rate quotes using your own specific driver information and vehicle.

Accidents and violations increase rates

The ideal way to snag cheap car insurance premiums in San Jose for a Tacoma is to pay attention while driving and avoid accidents and traffic citations. The diagram below demonstrates how speeding tickets and at-fault fender-benders impact insurance costs for each age group. The premiums are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

In the prior example, the average cost of auto insurance in San Jose per year with no accidents or violations is $1,958. Get two speeding tickets and the average cost surges to $2,696, an increase of $738 each year. Now add in one accident along with the two speeding tickets and the 12-month cost of car insurance for a Toyota Tacoma goes up to an average of $3,457. That’s an increase of $1,499, or $125 per month, just for not driving attentively!

The information below highlights how deductible selection can increase or decrease premium costs when getting quotes for cheap insurance for a Toyota Tacoma. The rates are based on a single male driver, full coverage, and no discounts are applied to the premium.

The data above shows that a 50-year-old driver could reduce rates by $420 a year by switching from a $100 deductible to a $500 deductible, or save $632 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old category, have the ability to save as much as $1,396 each year just by choosing higher deductibles. When choosing a higher deductible, it is necessary to have emergency funds available to enable you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.

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California car insurance rates are influenced by many factors that control the policy price. Simply improving your credit, moving to a new city, or getting a few speeding tickets may cause policy rate changes that can make some companies affordable when they were higher priced.

Also, auto insurance companies amend pricing at least once a year in order to be able to pay unexpected claims. Higher than usual claims can cause additional premium costs, while a better claims history may result in lower-cost Tacoma insurance rates.

For instance, the bar chart below analyzes the cheapest car insurance in San Jose, CA for a 35-year-old male driver with a clean driving record, no accidents, and a high credit rating. If we estimate rates based on his personal risk profile, USAA has the lowest car insurance rates in San Jose at $1,223 each year. This is $428 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are also included in the most affordable San Jose, CA auto insurance companies.

Now we will pretend the driver from the first rate comparison a claim, a lower credit score, and a blemish on his driving record. Since each auto insurer has a proprietary formula for determining rates, comparing insurance quotes most likely will result in a new list of the cheapest car insurance companies in San Jose as shown below.

Grange now has the cheapest insurance rate in San Jose with Mercury, Allied, Progressive, and Allstate completing the list. This example shows why California drivers need to compare as many rates as possible to get the best insurance quotes for a Toyota Tacoma.

Insurance rates can be altered by many different factors and can change substantially, so the lowest-price company the last time you shopped around may now be an over-priced policy.

The agents shown below can probably provide answers to your questions and help you determine which coverage meets your needs best, as some people have coverage questions and would like to have some advice when comparing insurance rates for a Toyota Tacoma. It’s not always simple to find the cheapest rate yourself, so using a licensed agent can provide satisfaction knowing your policy gives you adequate protection in case of an accident or claim.

To locate a San Jose auto insurance agent by location nearest to you, click the button at the bottom.

Nationwide Insurance: Nathan Douglas Gleason Agency
1625 The Alameda Ste 402San Jose, CA 95126(408) 656-0034

Reed Sparks – State Farm Insurance Agent
3119 Alum Rock AveSan Jose, CA 95127(408) 923-2055

Tami Pratt – State Farm Insurance Agent
360 Kiely Blvd #125San Jose, CA 95129(408) 247-6800

Sergio Plascencia Insurance Agency
3136 Story RdSan Jose, CA 95127(408) 254-8336

More San Jose, CA insurance agents

How to find cheaper car insurance for a Toyota Tacoma

Lowering your rates is not difficult, and here are many penny-pinching solutions that can help California drivers find low-cost auto insurance.

That last piece of advice is particularly necessary, as we pointed out in the article above. Car insurance prices in San Jose adjust frequently, so don’t hesitate to switch companies if a cheaper rate is available.

Having a favorite company is great, but is isn’t recommended if that dedication is costing lots of money. Spend a few minutes and compare rates to find cheaper auto insurance for a Toyota Tacoma.