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.

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.

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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

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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

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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

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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

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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

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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

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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

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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

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