Citrus Heights Auto Insurance Rates, Quotes, Agents & Reviews in CA

Citrus Heights, CA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Citrus Heights, 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 Citrus Heights, 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.


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

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

Citrus Heights Antelope Fair Oaks Foothill Farms North Highlands Orangevale
Average Insurance Rates $1,735 $1,827 $1,888 $1,795 $1,781 $1,851

Citrus Heights, 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 Citrus Heights, 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)
Citrus Heights $1,374 $1,161
Foothill Farms $1,548 $1,308
Orangevale $1,907 $1,610
Fair Oaks $1,945 $1,643
Antelope $1,601 $1,352
Carmichael $1,626 $1,374
North Highlands $1,519 $1,283
Roseville $2,493 $2,105

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

Teenagers in Citrus Heights, 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 $5,630
20 Years $2,229
30 Years $1,717
40 Years $1,652
50 Years $1,530
60 Years $1,551
70 Years $1,806

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

Car owners in Citrus Heights, 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 $3,054 $416
3 Vehicles $4,580 $625
4 Vehicles $6,107 $833

Savings on 2 Vehicles bundle:$416

Savings on 3 Vehicles bundle:$625

Savings on 4 Vehicles bundle:$833


Citrus Heights, 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 Citrus Heights, CA.

Location Average Insurance Cost Post DUI Insurance Rate
Citrus Heights $1,735 $4,272
Foothill Farms $1,795 $4,420
Orangevale $1,851 $4,558
Fair Oaks $1,888 $4,649
Antelope $1,827 $4,498
Carmichael $1,853 $4,562
North Highlands $1,781 $4,385
Roseville $1,418 $3,491

Citrus Heights, 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) $1,489
Excellent (740-799) $1,699
Good (670-739) $1,808
Average (580-669) $2,359
Poor (300-579) $2,830

Citrus Heights, 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
T D Mcneil Insurance Services Travelers 1568 CREEKSIDE DR STE 106, FOLSOM, 95630 916-983-2561
Gilbert Karp Farmers 750 Oak Avenue Pkwy Ste 160, Folsom, 95630 (916) 984-7400
Cal Interstate Insurance Services Llc Travelers 193 BLUE RAVINE RD STE 180, FOLSOM, 95630 916-988-9080
Jordan Backhaus State Farm 4315 Elkhorn Blvd Ste B, Sacramento, 95842-4666 916-331-1135
Jennifer Knighten State Farm 4711 Manzanita Ave, Carmichael, 95608-0822 916-483-6091
Warren G Bender Co Liberty Mutual Independent 516 GIBSON DR STE 240, ROSEVILLE, 95678 916-380-5300
Steven Janda Farmers 7610 Folsom Auburn Rd Ste 170, Folsom, 95630 (916) 988-2506
Rafael Reyes Farmers 919 Reserve Dr, Roseville, 95678 (916) 645-1001
Pilcher Insurance Agency Inc Liberty Mutual Independent 3805 TAYLOR RD STE 1, LOOMIS, 95650 (916) 660-1670

Citrus Heights, 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 +$76 $1,811
Driver's Failure In Showing Documents +$168 $1,903
Driving With An Expired Registration +$179 $1,914
Driving At A Considerably Slow Pace +$376 $2,111
Using A Cellphone While Driving +$397 $2,132
Running A Red Light +$404 $2,139
Speeding +$425 $2,160
Driving A Vehicle Without The Required Permission +$540 $2,275
Driving With An Expired/Suspended License +$1,169 $2,904

Citrus Heights, 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 $1,666
Active Disabling Device $1,666
Tracking Device $1,631
Passive Disabling Device $1,614

Latest Auto Insurance Reviews in Citrus Heights, CA | Back to Top

Geico
For as little as $14 a year per car, you can add emergency roadside assistance coverage, which can help if you have a dead battery, lock yourself out of your car, or need gas or a tow.
State Farm
I feel that State Farm has a wide more policies and show instances of different policies being activated from out of the ordinary situations. So yeah, they're probably better at that department.
Geico
I would absolutely recommend Geico car insurance. Their are kind and their insurance offerings are comparable to other companies for a cheaper price.
State Farm
I would definitely recommend State Farm for car insurance because they have great rates and customer service.
Progressive
Definitely would recommend them.Their customer service has been excellent, their pricing and the ability to customer nearly every aspect of coverage is another great reason to at least look into them.
Geico
Geico offers pretty much same coverage options like other companies, but I really liked their policies specific to vehicles kept in storage. I thought these are pretty competitive.
Kemper
Customer service is great with Kemper. They are always pleasant to talk to and are always helpful when we changing cars on our policy
Safeco Insurance
I really like Safeco car insurance too. My wife got rear ended and Safeco was great to work with. The premiums are under what we paid with State Farm.
Safeco Insurance
I really like Safeco car insurance too. My wife got rear ended and Safeco was great to work with. The premiums are under what we paid with State Farm.
Geico
I am satisfied with my premium prices but I haven't bothered checking to see if there's anything better in about 7 years.
Progressive
I can't really think of anything I dislike about progressive. if they were cheaper that would be great of course.
Geico
My insurer is one of the insurers that offers better coverage and for a better price when compared to other insurers because the same coverage in other insurers has a higher cost.
Geico
My policy offers multi line discounts, good driving record discounts, rental car coverage, and roadside assistance.
Allstate
They don't want to pay out on claims. If you break your back in an accident you should be able to get full payout. They don't even want to pay us what is medical bills have cost.