Auto Insurance in Lodi (95242)
California · Very Affordable · 24th percentile statewide
Carrier Rates in 95242
6-month premiums from SERFF rate filings. Standard driver profile.
How 95242 Compares
Lodi (95242) is very affordable for auto insurance in California, ranking in the 24th percentile.
The cheapest carrier is Mercury at $394/6mo — 73% less than the most expensive (Allstate at $1,478).
The median premium of $846 is 7% below the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Lodi (95242)?
The median 6-month premium in Lodi (95242) is $846 across 9 carriers. Premiums range from $394 to $1,478, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 95242?
Mercury offers the lowest rate in 95242 at $394/6mo. That's 73% less than the most expensive option (Allstate at $1,478/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance very affordable in 95242?
Auto insurance rates in Lodi (95242) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Lodi ranks in the 24th 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 95242?
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.