Auto Insurance in San Jose (95133)
California · Very Affordable · 13th percentile statewide
Carrier Rates in 95133
6-month premiums from SERFF rate filings. Standard driver profile.
How 95133 Compares
San Jose (95133) is very affordable for auto insurance in California, ranking in the 13th percentile.
The cheapest carrier is Mercury at $488/6mo — 72% less than the most expensive (State Farm at $1,737).
The median premium of $816 is 11% below the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in San Jose (95133)?
The median 6-month premium in San Jose (95133) is $816 across 9 carriers. Premiums range from $488 to $1,737, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 95133?
Mercury offers the lowest rate in 95133 at $488/6mo. That's 72% less than the most expensive option (State Farm at $1,737/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance very affordable in 95133?
Auto insurance rates in San Jose (95133) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. San Jose ranks in the 13th 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 95133?
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.