Atlantic-Pacific Insurance Brokers, Inc.
2542 S Bascom Ave, Ste 280, Campbell, CA 95008
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Campbell households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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2542 S Bascom Ave, Ste 280, Campbell, CA 95008
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281 E Hamilton Ave, Suite 5, Campbell, CA 95008
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51 E Campbell Ave Suite 400-P, Campbell, CA 95008
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1100 E. Hamilton Ave., Suite 1, Campbell, CA 95008
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Learn about insurance coverage options specific to Campbell residents.
Campbell drivers pay $134/mo for auto insurance. Home insurance averages $1,083/yr. Learn about 2025 requirements, earthquake coverage & local agents.
Car InsuranceCampbell auto insurance costs $140/month for full coverage. Learn about CA's new 30/60/15 requirements, Highway 17 risks, and how to save on coverage.
Campbell drivers typically pay around $134 per month for auto insurance, which is about $9 cheaper than the California average. The cheapest carriers include Kemper Auto Premier at $88 per month, Direct Auto at $101, and Mercury Insurance at $104. Rates vary based on your driving record, age, homeownership status, and coverage levels.
As of January 1, 2025, California requires minimum liability coverage of $30,000 per person for bodily injury, $60,000 per accident, and $15,000 for property damage. These limits doubled from the previous minimums and will remain in effect until 2035, when they increase again to $50,000/$100,000/$25,000.
While not legally required, earthquake insurance is highly recommended in Campbell due to proximity to the San Andreas Fault. Standard homeowners policies don't cover earthquake damage except for fire. The California Earthquake Authority offers most earthquake policies in the state, with costs based on your home's construction, age, and soil type.
Home insurance in Campbell averages $1,083 to $1,241 per year, making Santa Clara County the most affordable in California for homeowners coverage. This is significantly lower than the state average of $1,405 to $1,543 annually. Allstate offers some of the cheapest rates at around $886 per year for standard coverage.
Yes, standard homeowners insurance policies cover wildfire damage. Campbell is not considered a high-risk wildfire zone compared to foothill or mountain communities. If you've implemented wildfire mitigation measures like defensible space, California law requires insurers to provide discounts on your premium.
Yes, bundling auto and home insurance with the same carrier typically saves 15-25% on your premiums. Local agents in Campbell from companies like State Farm and Mercury Insurance can help you package policies together and maximize discounts while ensuring you have adequate coverage for both.
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