Auto Insurance in Merced (95348)
California · Below Average · 41th percentile statewide
Carrier Rates in 95348
6-month premiums from SERFF rate filings. Standard driver profile.
How 95348 Compares
Merced (95348) is below average for auto insurance in California, ranking in the 41th percentile.
The cheapest carrier is Mercury at $472/6mo — 71% less than the most expensive (State Farm at $1,648).
The median premium of $891 is 2% below the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Merced (95348)?
The median 6-month premium in Merced (95348) is $891 across 9 carriers. Premiums range from $472 to $1,648, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 95348?
Mercury offers the lowest rate in 95348 at $472/6mo. That's 71% less than the most expensive option (State Farm at $1,648/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance below average in 95348?
Auto insurance rates in Merced (95348) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Merced ranks in the 41th 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.