Auto Insurance in San Mateo (94404)
California · Very Affordable · 5th percentile statewide
Carrier Rates in 94404
6-month premiums from SERFF rate filings. Standard driver profile.
How 94404 Compares
San Mateo (94404) is very affordable for auto insurance in California, ranking in the 5th percentile.
The cheapest carrier is Mercury at $396/6mo — 71% less than the most expensive (Allstate at $1,382).
The median premium of $767 is 16% below the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in San Mateo (94404)?
The median 6-month premium in San Mateo (94404) is $767 across 9 carriers. Premiums range from $396 to $1,382, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 94404?
Mercury offers the lowest rate in 94404 at $396/6mo. That's 71% less than the most expensive option (Allstate at $1,382/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance very affordable in 94404?
Auto insurance rates in San Mateo (94404) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. San Mateo ranks in the 5th percentile statewide, meaning it's very affordable compared to other California ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in California
Want full rate data for 94404?
Access ZIP-level rate data across all 9 carriers, 1,745 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.