Auto Insurance in Cupertino (95014)
California · Very Affordable · 5th percentile statewide
Carrier Rates in 95014
6-month premiums from SERFF rate filings. Standard driver profile.
How 95014 Compares
Cupertino (95014) is very affordable for auto insurance in California, ranking in the 5th percentile.
The cheapest carrier is USAA at $467/6mo — 70% less than the most expensive (Wawanesa at $1,563).
The median premium of $769 is 16% below the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Cupertino (95014)?
The median 6-month premium in Cupertino (95014) is $769 across 9 carriers. Premiums range from $467 to $1,563, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 95014?
USAA offers the lowest rate in 95014 at $467/6mo. That's 70% less than the most expensive option (Wawanesa at $1,563/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance very affordable in 95014?
Auto insurance rates in Cupertino (95014) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Cupertino 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 95014?
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.