Apple Valley Auto Insurance Rates, Quotes, Agents & Reviews in CA

Apple Valley, CA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Apple Valley, 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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Get the Cheapest Auto Insurance in Apple Valley, CA

The average cost of car insurance in Apple Valley is $1433 per year. This doesn't look like a lot when you're making payments on your vehicle but it can add up quickly. Zimlon found that these prices may be even more affordable with discounts and other factors such as driver's age or credit score which are explored below by our researchers to know what options for finding cheap auto premiums really do exist out there

Zimlon has done a substantial amount of research and has answered questions such as what is the best rate possible?  What kind of coverage should you get?. Check out the discounts available to find the best premium.

Depending on the car owner's age

Teenagers and young Apple Valley residents pay higher auto insurance premiums because they are seen as less responsible behind the wheel than older drivers. In Apple Valley, the typical cost for a teen driver is $4650, while 30-50 year olds can anticipate to pay less than $1418-$1264 per year. Drivers looking for premium savings could compare age-based policies that give good student discounts or safe driver/defensive driving incentives that may be offered according to your needs and other variables like marital status.

Average Auto Insurance Cost Based on the Driver’s Age

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Based on Deductible

To save money on car insurance, consider going with a low deductible for more savings. Apple Valley residents can get super cheap auto-insurance by considering this factor and choosing the right deductibles according to Zimlon's research. Those who opt for a low deductible ($500) pay more for auto insurance than those who opt for a high deductible ($1,000). This difference, according to Zimlon's research in Apple Valley, is $1598 and $1349, respectively.

Multi Car Insurance Rates

Rates for Multi-Car Insurance Car owners in Apple Valley who want to save money on their insurance can consider bundling it with other types of coverage. When life and home insurance are acquired from the same firm, for example, you can obtain a decent monthly discount. According to a Zimlon analysis, Apple Valley car owners who combined more than one form of insurance might save money each month by insuring both vehicles under one policy. Insurance providers in Apple Valley offer $344 and $516 savings on a two-vehicle and a three-vehicle bundle, respectively. In Apple Valley, bundling four vehicles can save $688 on auto insurance.

Depending on your credit score

Credit score is a crucial rating component in most states. Low-credit automobile owners not only file more claims than high-credit car owners, but their claims also appear to be more expensive. Car insurance companies frequently provide substantial discounts to drivers with a good credit score and a clean driving record. According to Zimlon's data, automobile owners in Apple Valley with a strong credit score of 800 or higher spend as little as $1229 for insurance, but those at the bottom of the scale may pay as much as $2337.

Factors that can influence the cost of car insurance in Apple Valley, 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.


Apple Valley, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

Apple Valley Hesperia Victorville-Hesperia Adelanto Mountain View Acres Victorville
Average Insurance Rates $1,433 $1,485 $1,794 $1,499 $1,787 $1,514

Apple Valley, 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 Apple Valley, 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)
Apple Valley $1,598 $1,349
Victorville-Hesperia $967 $817
Spring Valley Lake $1,065 $900
Victorville $1,110 $938
Mountain View Acres $1,035 $874
Hesperia $2,259 $1,908
Adelanto $1,316 $1,112
Oak Hills $2,429 $2,051

Apple Valley, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Apple Valley, 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 $4,650
20 Years $1,841
30 Years $1,418
40 Years $1,364
50 Years $1,264
60 Years $1,281
70 Years $1,491

Apple Valley, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Apple Valley, 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 $2,522 $344
3 Vehicles $3,783 $516
4 Vehicles $5,044 $688

Savings on 2 Vehicles bundle:$344

Savings on 3 Vehicles bundle:$516

Savings on 4 Vehicles bundle:$688


Apple Valley, 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 Apple Valley, CA.

Location Average Insurance Cost Post DUI Insurance Rate
Apple Valley $1,433 $3,528
Victorville-Hesperia $1,794 $4,417
Spring Valley Lake $1,821 $4,484
Victorville $1,514 $3,728
Mountain View Acres $1,787 $4,400
Hesperia $1,485 $3,656
Adelanto $1,499 $3,691
Oak Hills $1,853 $4,562

Apple Valley, 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) $1,229
Excellent (740-799) $1,403
Good (670-739) $1,493
Average (580-669) $1,948
Poor (300-579) $2,337

Apple Valley, 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
Matt Valdez State Farm 12180 Ridgecrest Rd Ste 520, Victorville, 92395-5903 760-596-1985
Nancy Tong Farmers 16137 Green Tree Blvd Ste 5, Victorville, 92395 (760) 955-2711
Jerry Klein State Farm 16360 Main St, Hesperia, 92345-3548 760-244-5434
Diane Holder Farmers 13849 Amargosa Rd Ste 203, Victorville, 92392 (760) 241-9999
Amy Martinez State Farm 15550 Main St Ste D17, Hesperia, 92345-3492 760-244-8808
Lidia Pizano Farmers 16888 Nisqualli Rd Ste 200-3, Victorville, 92395 (760) 955-7013
Meredith Thompson State Farm 165 E College St, Covina, 91723-2105 626-974-5577
George Ottoson State Farm 680 E Alosta Ave Ste 112, Azusa, 91702-2710 626-521-0200
H-2 Insurance Services Inc Liberty Mutual Independent 1182 MONTE VISTA AVE STE 18, UPLAND, 91786 (909) 985-5100
David Budge Allstate 969 S Village Oaks Dr Ste 101, Covina, 91724 (626) 339-2898
Deborah Mesquit Farmers 17993s Highway 18 Ste 104, Apple Valley, 92307 (760) 242-9131
Isu Derby Insurance Associates Inc Liberty Mutual Independent 223 S GLENDORA AVE STE 201, GLENDORA, 91741 626-963-8581
Pyle Insurance Agency None 1132 East Route 66, Glendora, 91740 None

Apple Valley, 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 +$63 $1,496
Driver's Failure In Showing Documents +$139 $1,572
Driving With An Expired Registration +$148 $1,581
Driving At A Considerably Slow Pace +$311 $1,744
Using A Cellphone While Driving +$328 $1,761
Running A Red Light +$334 $1,767
Speeding +$351 $1,784
Driving A Vehicle Without The Required Permission +$446 $1,879
Driving With An Expired/Suspended License +$966 $2,399

Apple Valley, 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 $1,376
Active Disabling Device $1,376
Tracking Device $1,347
Passive Disabling Device $1,333

Latest Auto Insurance Reviews in Apple Valley, CA | Back to Top

Geico
We could not have had it it better we only paid a $500 hundred dollars deductible and they took care of so many details that I was just so grateful
State Farm
I have noticed recently that I could possibly get a better deal elsewhere but I continue to stay because they have been so great to me and it is easy with them.
Travelers
i would recommend for car insurance due to the bundling option with home, but have not had any claims so i do not know how they work with claims
Progressive
I think my car insurance coverage is pretty average, but it is very affordable. I have not had any difficulties that would cause me to be dissatisfied.
Esurance
I use the same company for my auto insurance Esurance. I find there agents to be quick and knowledgeable and there prices to be just below average