Auto Insurance in Santa Cruz (95062)
California · Very Affordable · 2th percentile statewide
Carrier Rates in 95062
6-month premiums from SERFF rate filings. Standard driver profile.
How 95062 Compares
Santa Cruz (95062) is very affordable for auto insurance in California, ranking in the 2th percentile.
The cheapest carrier is Mercury at $337/6mo — 73% less than the most expensive (State Farm at $1,236).
The median premium of $734 is 20% below the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Santa Cruz (95062)?
The median 6-month premium in Santa Cruz (95062) is $734 across 9 carriers. Premiums range from $337 to $1,236, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 95062?
Mercury offers the lowest rate in 95062 at $337/6mo. That's 73% less than the most expensive option (State Farm at $1,236/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance very affordable in 95062?
Auto insurance rates in Santa Cruz (95062) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Santa Cruz ranks in the 2th 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 95062?
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.