how premiums vary by zip code ; average lowest company with ; premium premium lowest premium ; alameda , 94501 $ 3,058 $ 2,268 usaa ; fremont , 94536 $ 2,880 $ 2,140 usaa ; oakland , 94605 $ 3,581 $ 2,438 mercury ; walnut creek , 94596 $ 2,826 $ 1,972 mercury ; san rafael , 94901 $ 2,952 $ 2,088 mercury ; san francisco , 94122 $ 3,898 $ 2,756 usaa ; san mateo , 94402 $ 2,757 $ 2,110 mercury ; sunnyvale , 94086 $ 2,797 $ 1,914 mercury ; san jose , 95123 $ 2,820 $ 1,914 mercury ; santa cruz , 95060 $ 2,808 $ 2,066 mercury ; ... ;