Auto Insurance in San Jose (95148)
California · Below Average · 32th percentile statewide
Carrier Rates in 95148
6-month premiums from SERFF rate filings. Standard driver profile.
How 95148 Compares
San Jose (95148) is below average for auto insurance in California, ranking in the 32th percentile.
The cheapest carrier is Mercury at $542/6mo — 69% less than the most expensive (Wawanesa at $1,774).
The median premium of $870 is 5% below the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in San Jose (95148)?
The median 6-month premium in San Jose (95148) is $870 across 9 carriers. Premiums range from $542 to $1,774, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 95148?
Mercury offers the lowest rate in 95148 at $542/6mo. That's 69% less than the most expensive option (Wawanesa at $1,774/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance below average in 95148?
Auto insurance rates in San Jose (95148) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. San Jose ranks in the 32th percentile statewide, meaning it's below average 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.