Auto Insurance in San Jose (95136)
California · Very Affordable · 20th percentile statewide
Carrier Rates in 95136
6-month premiums from SERFF rate filings. Standard driver profile.
How 95136 Compares
San Jose (95136) is very affordable for auto insurance in California, ranking in the 20th percentile.
The cheapest carrier is Mercury at $505/6mo — 65% less than the most expensive (State Farm at $1,444).
The median premium of $836 is 8% below the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in San Jose (95136)?
The median 6-month premium in San Jose (95136) is $836 across 9 carriers. Premiums range from $505 to $1,444, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 95136?
Mercury offers the lowest rate in 95136 at $505/6mo. That's 65% less than the most expensive option (State Farm at $1,444/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance very affordable in 95136?
Auto insurance rates in San Jose (95136) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. San Jose ranks in the 20th 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
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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.