Aliso Viejo Auto Insurance Rates, Quotes, Agents & Reviews in CA

Aliso Viejo, CA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Aliso Viejo, CA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Best Auto Insurance Rates in Aliso Viejo, CA

The average cost of car insurance in Aliso Viejo, CA is $1302 per year. Zimlon’s research found that these prices can be even more affordable with the help of discounts and other factors like driver's age, credit score and deductible. These are explored below by Zimlon to know what options for finding cheap auto insurance rates really are.

The article is about how some people might find cheaper premiums just based on their requirements such as a higher deductible or age.


Based on deductibles

To save some money on car insurance, consider going with a low deductible for more savings. Car owners in Aliso Viejo can get super cheap auto insurance by considering this factor and choosing the right deductibles according to Zimlon's research. Aliso Viejo car owners can get cheap car insurance by considering their deductible. Those who choose a low deductible ($500) usually pay more for auto coverage than those with high deductibles ($1,000). According to Zimlon's research on the topic in Aliso Viejo this difference is  $1988 and $1679 respectively.

Multi Car Insurance Rates

Aliso Viejo car owners looking to save on their auto insurance should consider bundling with other types of coverage. For instance life and home can provide a fair discount per month when purchased together from the same company. An analysis by Zimlon found that Aliso Viejo car owners who bundled more than one type of insurance could see a monthly decrease in premiums as they insured both vehicles under the same policy. In Aliso Viejo , insurance companies provide $391 and $586 off on 2 vehicle bundle and 3 vehicles bundle respectively. One can save $781 on auto insurance by bundling 4 vehicles in Aliso Viejo.

Based on the credit score

In most of the states credit score is a major rating factor. Car owners  with low credit not only file more claims than car owners with high credit but also their claims seem to be more expensive. Auto insurance companies also provide attractive discounts to car owners with a higher positive credit score and a clean driving history.According to Zimlon’s analysis in Aliso Viejo car owners with a good credit score with 800 or more pay only upto $1117 for insurance whereas those who are low on the totem pole may end up paying considerably more at $2124.

Based on age of the car owner 

Teenagers and young residents of Aliso Viejo pay more in car insurance costs since they are considered to be less responsible behind the wheel than older drivers. The average cost for a teenage driver in Aliso Viejo is $4225  while 30-50 year olds can expect to find cheaper rates at less than $1289-$1148 annually. Drivers looking for discounts on their premiums should consider comparing age based policies which offer good student discounts or safe driver/defensive driving incentives that may be available depending upon your needs as well as other factors such as marital status.

Factors that can influence the cost of car insurance in Aliso Viejo, CA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Aliso Viejo, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Aliso Viejo, CA with that of other cities in and around Aliso Viejo.

Aliso Viejo Laguna Niguel South Coast Las Flores Ladera Ranch Laguna Hills
Average Insurance Rates $1,302 $1,345 $2,011 $2,026 $2,053 $1,379

Aliso Viejo, CA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Aliso Viejo, CA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Aliso Viejo $1,988 $1,679
Laguna Woods $1,491 $1,260
Laguna Hills $2,047 $1,729
Laguna Beach $2,454 $2,073
Laguna Niguel $2,710 $2,289
South Coast $2,890 $2,441
Ladera Ranch $1,173 $991
Las Flores $1,464 $1,236

Aliso Viejo, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Aliso Viejo, CA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,225
20 Years $1,673
30 Years $1,289
40 Years $1,240
50 Years $1,148
60 Years $1,164
70 Years $1,355

Aliso Viejo, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Aliso Viejo, CA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,213 $391
3 Vehicles $3,320 $586
4 Vehicles $4,427 $781

Savings on 2 Vehicles bundle:$391

Savings on 3 Vehicles bundle:$586

Savings on 4 Vehicles bundle:$781

Aliso Viejo, CA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Aliso Viejo, CA.

Location Average Insurance Cost Post DUI Insurance Rate
Aliso Viejo $1,302 $3,206
Laguna Woods $1,815 $4,469
Laguna Hills $1,379 $3,395
Laguna Beach $2,382 $5,865
Laguna Niguel $1,345 $3,312
South Coast $2,011 $4,951
Ladera Ranch $2,053 $5,055
Las Flores $2,026 $4,988

Aliso Viejo, CA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,117
Excellent (740-799) $1,275
Good (670-739) $1,357
Average (580-669) $1,770
Poor (300-579) $2,124

Aliso Viejo, CA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Chris Moby Young State Farm 366 San Miguel Suite 200, Newport Beach, 92660 None
Benefitsource Insurance Services Travelers 28 ARGONAUT STE 100, ALISO VIEJO, 92656 949-215-5431
Stratum Insurance Agency Llc Travelers 18818 TELLER AVE STE 140, IRVINE, 92612 949-270-0609
Rodrigo Barajas Farmers 23161 Mill Creek Dr Ste 100, Laguna Hills, 92653 (714) 696-5950
The Keane Insurance Group None 19800 Macarthur Blvd Irving, Irvine, 92612 None
Rick Hackett Farmers 34249 Camino Capistrano Ste 206, Capistrano Bch, 92624 (949) 943-3610
The Wooditch Co Ins Svcs Inc Liberty Mutual Independent 1 PARK PLZ STE 400, IRVINE, 92614 (949) 553-9800
Cindy Jeon Farmers 3807 Wilshire Blvd Ste 1011, Los Angeles, 90010 (213) 380-8050
Friedmann & Friedmann Ins Svcs Liberty Mutual Independent 3990 WESTERLY PL STE 100, NEWPORT BEACH, 92660 (949) 253-8000

Aliso Viejo, CA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$57 $1,359
Driver's Failure In Showing Documents +$126 $1,428
Driving With An Expired Registration +$134 $1,436
Driving At A Considerably Slow Pace +$283 $1,585
Using A Cellphone While Driving +$298 $1,600
Running A Red Light +$303 $1,605
Speeding +$319 $1,621
Driving A Vehicle Without The Required Permission +$405 $1,707
Driving With An Expired/Suspended License +$878 $2,180

Aliso Viejo, CA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,250
Active Disabling Device $1,250
Tracking Device $1,224
Passive Disabling Device $1,211

Latest Auto Insurance Reviews in Aliso Viejo, CA | Back to Top

Geico seems to be the least expensive compared to other local agencies. I have gotten several quotes to attempt to lower my premium, but no one is within $50 monthly on it.
Progressive has good rates, and easy to deal with. I think the app appeals to millenials who like to do things quickly and efficiently over a smooth app interface, which Progressive has.