Campbell drivers with a short commute of about 24 minutes can compare car insurance quotes from multiple California carriers with A1 for free.
How Much Does Car Insurance Cost in Campbell?
Campbell has a single ZIP code, 95008, and rates can shift with ZIP code, though driving record, annual mileage and years of experience count most under Prop 103. Vehicle theft here was about 2.7 per thousand people in 2025, below the state average of 3.2, which is a helpful point when carriers weigh comprehensive coverage.
| Factor | Campbell | California |
|---|---|---|
| Average commute | 24 min | 29 min |
| Homes with 2+ cars | 64% | 63% |
| Car thefts per 1,000 | 2.7 | 3.2 |
| ZIP codes | 1 |
Why Campbell Drivers Compare Quotes With A1
Each carrier weighs mileage, driving history and vehicle details a little differently, so the same Campbell driver can see different prices from company to company. A1 is an independent broker that compares quotes from multiple California carriers, so you do not have to shop each one yourself.
About Campbell, California
Campbell is an incorporated city in Santa Clara County, in the San Francisco Bay Area. About 42,800 people live in its 6.1 square miles, at roughly 200 feet above sea level. Neighbors include Cambrian Park, Fruitdale, Burbank, Monte Sereno, Los Gatos and Saratoga, all within a few miles.
- County
- Santa Clara County
- Population
- 42,848 (Census est.)
- Major routes
- SR-17, SR-85
Driving in Campbell: What to Know
The average commute here is about 24 minutes, shorter than the state average of 29 and 16th among the 24 ranked places in Santa Clara County. About 68% of workers drive alone, and nearly 23% work from home, well above the state's 16%. Less time on the road can mean lower annual mileage, which carriers weigh heavily. SR-17 and SR-85 run through or near the city, so if you use them often, tell your agent how many miles you really drive.
State highways through or near Campbell:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Campbell
The nearest DMV office is Los Gatos DMV at 600 North Santa Cruz Ave., Los Gatos, CA 95030, about 3.5 miles away.
Nearest DMV: Los Gatos
600 North Santa Cruz Ave., Los Gatos, CA 95030
About 3.5 miles from Campbell
California Car Insurance Rules for Campbell Drivers
California requires at least 30/60/15 liability coverage, and that covers others, not your own car. If you have a clean record, you may qualify for a Good Driver Discount of at least 20%, and your credit score cannot be used to set your rate.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Campbell ZIP Codes and Nearby Areas
ZIP codes in Campbell:
Nearby cities and communities:
More About Campbell
Campbell blends small-town charm with Silicon Valley energy, and its orchard past still shows in the local nickname, "Orchard City." A few local favorites:
- Downtown Campbell. Tree-lined Campbell Avenue and Pruneyard-area streets offer restaurants, cafes and shops, with patios that fill up on warm evenings and a lively Sunday farmers' market.
- Ainsley House. This Tudor-style home and the Campbell Historical Museum next door tell the story of the fruit orchards that once covered the valley.
- Los Gatos Creek Trail. The paved trail runs through Campbell Park, so walkers, runners and cyclists can head out on a shady creekside route.
- The Pruneyard. This longtime shopping and dining center on the edge of town is a local gathering spot, with a movie theater, restaurants and plenty of places to meet up.
Campbell Car Insurance FAQ
Does working from home lower my car insurance in Campbell?
It can if it cuts the miles you drive each year, since annual mileage is one of the top rating factors in California. About 23% of Campbell workers work from home, so many local drivers may have a lower mileage to report.
Should I carry comprehensive coverage in Campbell?
Comprehensive pays for theft, fire, flood and vandalism, and liability-only does not cover your own car. Campbell's 2025 theft rate of about 2.7 per thousand was under the state's 3.2, but a stolen car would still be a big loss without it.
How many cars do Campbell households have, and does it matter?
About 64% of Campbell households have two or more vehicles, a bit above the state's 63%. If you insure more than one car, ask for quotes on all of them together so you can compare the full cost across carriers.