Carmichael Auto Insurance Rates, Quotes, Agents & Reviews in CA

Carmichael, CA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Carmichael, 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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Factors that can influence the cost of car insurance in Carmichael, 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.


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

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

Carmichael Foothill Farms Fair Oaks Citrus Heights McClellan Park Arden-Arcade
Average Insurance Rates $1,853 $1,795 $1,888 $1,735 $2,142 $1,852

Carmichael, 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 Carmichael, 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)
Carmichael $1,626 $1,374
North Highlands $1,519 $1,283
Arden-Arcade $1,674 $1,414
Foothill Farms $1,548 $1,308
Gold River $1,385 $1,170
Fair Oaks $1,945 $1,643
Citrus Heights $1,374 $1,161
McClellan Park $2,206 $1,864

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

Teenagers in Carmichael, 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 $6,013
20 Years $2,381
30 Years $1,834
40 Years $1,764
50 Years $1,634
60 Years $1,657
70 Years $1,928

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

Car owners in Carmichael, 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 $3,187 $519
3 Vehicles $4,781 $778
4 Vehicles $6,374 $1,038

Savings on 2 Vehicles bundle:$519

Savings on 3 Vehicles bundle:$778

Savings on 4 Vehicles bundle:$1,038


Carmichael, 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 Carmichael, CA.

Location Average Insurance Cost Post DUI Insurance Rate
Carmichael $1,853 $4,562
North Highlands $1,781 $4,385
Arden-Arcade $1,852 $4,560
Foothill Farms $1,795 $4,420
Gold River $1,903 $4,686
Fair Oaks $1,888 $4,649
Citrus Heights $1,735 $4,272
McClellan Park $2,142 $5,274

Carmichael, 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) $1,590
Excellent (740-799) $1,815
Good (670-739) $1,931
Average (580-669) $2,519
Poor (300-579) $3,022

Carmichael, 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 +$82 $1,935
Driver's Failure In Showing Documents +$180 $2,033
Driving With An Expired Registration +$191 $2,044
Driving At A Considerably Slow Pace +$402 $2,255
Using A Cellphone While Driving +$424 $2,277
Running A Red Light +$432 $2,285
Speeding +$454 $2,307
Driving A Vehicle Without The Required Permission +$576 $2,429
Driving With An Expired/Suspended License +$1,249 $3,102

Carmichael, 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 $1,779
Active Disabling Device $1,779
Tracking Device $1,742
Passive Disabling Device $1,723

Latest Auto Insurance Reviews in Carmichael, CA | Back to Top

Geico
The policy offerings are pretty good. They have the levels of coverage I would expect and have affordable offerings at the bargain end and higher coverage levels.
Geico
Geico is helpful when I need them to be, and otherwise they don't bother me which I also appreciate
Allstate
They are fine as far as insurance goes. THey aren't anything special but they are big enough that they won't take the premiums and run.
Farm Bureau
Our home and car insurer are the same. I've been fortunate (knock on wood) to not have any claims activity for the past 10 years. Price seems to be appropriate.
Allstate
Having a personal agent working with you really helps with navigating and customizing your car insurance to meet you needs.
Allstate
I satisfy with Allstate insurance company and has been using over fifteen years. Allstate has good reputations and provides multi-discounts, and less hassle than cheap insurance companies.