Auto Insurance in San Jose (95192)
California · Expensive · 79th percentile statewide
Carrier Rates in 95192
6-month premiums from SERFF rate filings. Standard driver profile.
How 95192 Compares
San Jose (95192) is expensive for auto insurance in California, ranking in the 79th percentile.
The cheapest carrier is Mercury at $563/6mo — 70% less than the most expensive (Allstate at $1,869).
The median premium of $1,011 is 11% above the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in San Jose (95192)?
The median 6-month premium in San Jose (95192) is $1,011 across 8 carriers. Premiums range from $563 to $1,869, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 95192?
Mercury offers the lowest rate in 95192 at $563/6mo. That's 70% less than the most expensive option (Allstate at $1,869/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance expensive in 95192?
Auto insurance rates in San Jose (95192) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. San Jose ranks in the 79th percentile statewide, meaning it's expensive 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.