Campbell sits right in the heart of Silicon Valley, a city of about 43,450 residents where orchard heritage meets tech innovation. Whether you're living downtown near the historic water tower or shopping at Pruneyard, you need insurance that protects what matters most. Here's what you need to know about getting the right coverage in Campbell.
The good news? Campbell residents enjoy some of the lowest insurance rates in California. The challenge? Navigating new state requirements and understanding what coverage you actually need in earthquake and wildfire country. Let's break it down.
Auto Insurance in Campbell: What You'll Pay
If you're driving around Campbell, you're looking at about $134 per month for auto insurance—roughly $9 less than the rest of California. That's the advantage of living in Santa Clara County, where rates tend to be more reasonable than coastal or fire-prone areas.
But here's what changed in 2025: California doubled its minimum liability requirements. You now need at least $30,000 per person for bodily injury, $60,000 per accident, and $15,000 for property damage. The old minimums of $15,000/$30,000/$5,000 just weren't cutting it anymore—medical bills and car values have skyrocketed. Some drivers saw their premiums jump up to 54% because of this change.
Your rate depends on several factors. Homeowners typically pay about $5 less per month than renters. If you've got tickets, accidents, or a DUI on your record, expect significantly higher premiums. And if you're under 25? Your rates could be double or triple the average. The cheapest carriers in Campbell include Kemper Auto Premier at around $88 per month, Direct Auto at $101, and Mercury Insurance at $104.
Home Insurance: Campbell's Advantage
Here's something most Campbell homeowners don't realize: you're living in the cheapest county in California for home insurance. Santa Clara County averages just $1,083 to $1,241 per year—compare that to the state average of $1,405 to $1,543. That's real money back in your pocket.
Why are rates lower here? Campbell isn't in a high wildfire zone like the Sierra foothills or coastal areas where insurers have been pulling out. You're also not dealing with the flood risks of low-lying areas. That relative stability keeps premiums manageable.
Your standard homeowners policy covers fire, theft, vandalism, and liability if someone gets hurt on your property. But here's the catch: earthquake damage isn't covered. Neither is flood damage in most cases. Given that you're sitting near the San Andreas Fault, earthquake insurance is worth serious consideration.
Earthquake Insurance: Not Optional in Silicon Valley
If you have homeowners insurance in California, your insurance company must offer to sell you earthquake coverage. Most people get it through the California Earthquake Authority, which provides the majority of earthquake policies in the state.
The cost depends on your home's construction and the soil underneath. Older homes, brick or masonry construction, multi-story buildings, and homes on sandy soil cost more to insure. But here's the reality: replacing your home after a major quake could cost hundreds of thousands. Your standard homeowners policy will cover fire damage from an earthquake, but that's it. Everything else—structural damage, foundation cracks, collapsed walls—you're on your own without earthquake coverage.
Finding Insurance Agents in Campbell
Campbell has four local insurance agencies serving the community, with offices near downtown and the Pruneyard Shopping Center. Working with a local agent gives you someone who understands Santa Clara County's specific risks and can package multiple policies together for discounts.
Major carriers like State Farm and Mercury Insurance have agents in Campbell. You can also work with independent agents who can shop multiple companies for you. Given Campbell's median household income of $147,128, most residents can afford comprehensive coverage—the key is finding the right balance between protection and cost.
How to Get the Right Coverage
Start by reviewing what you already have. Pull out your auto and home insurance policies and check your coverage limits. With California's new auto requirements, you might need to increase your liability coverage. For your home, calculate what it would actually cost to rebuild—not what you paid for it, but today's construction costs.
Get quotes from at least three carriers. Ask about bundling discounts for combining auto and home insurance—you can save 15-25% that way. If you've made your home safer from wildfires with defensible space or fire-resistant materials, mention that. California law requires insurers to give wildfire safety discounts.
Don't skip earthquake insurance just because it seems expensive. Run the numbers on what you'd lose versus what you'd pay. And if you're renting in Campbell, get renters insurance—it's cheap, usually $15-25 per month, and covers your belongings plus liability protection.
Living in Campbell gives you access to some of California's most affordable insurance rates, but only if you know where to look and what to ask for. Take the time to compare options, understand what you're actually buying, and make sure you're protected against the risks that matter most in Santa Clara County. Your future self will thank you.
