Daly City, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Daly City, 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.
The Five Most Popular Car Insurance Companies in Daly City, CA
The average cost of auto insurance in Daly City, CA, is $1,490 and is lower than auto insurance in neighboring places such as South San Francisco, Broadmoor, and Brisbane. Auto insurance in Daly City depends on numerous factors ranging from the make and model of the vehicle to the driver’s age. Below is a list of the top five auto insurance companies in Daly City.
STATE FARM:
State Farm occupies the first spot with a massive 4,106,038 direct premiums written and 4,090,146 direct premiums earned. The company holds a market share of 13.74% in California. State Farm received a score of 808/1000 in the J.D. Power Auto Insurance Study. One only needs to go as far as State Farm’s online faculty for an overview of the various insurance coverages they provide. The company is credited with a solid rating of A++ by A.M. Best.
FARMERS:
Farmers occupies a market share of 10.68% in California. The company has 3,191,341 direct premiums written, and 3,189,468 direct premiums earned. The ease of navigating the Farmers website is an added advantage. Farmers ranks a tad low on the J.D. Power Auto Insurance Study with a score of 805/1000. A.M. Best has given Farmers an A rating for its financial strength in the markets.
GEICO:
With 2,897,713 direct premiums written and 2,794,052 direct premiums earned, GEICO is a close third. The company has a market share of 9.69% in California and enjoys an A.M. Best Rating of A++. GEICO received a score of 825/1000 on the J.D. Power Auto Insurance Study, and also received the “Better Than The Most” tag.
ALLSTATE:
Allstate has 2,687,887 direct premiums written and 2,640,022 direct premiums earned in California. Allstate occupies the fourth spot with a market share of 8.99%. The company was one of the leading insurance providers in the auto insurance market back in 2010. Allstate has a J.D. Power Auto Insurance score of 808/1000 and an A.M. Best Rating of A+.
AAA:
AAA enjoys the “Better Than The Most” tag, alongside a J.D. Power score of 834/1000. The company occupies a market share of 8.69%. AAA offers Umbrella Liability Insurance and enjoys an A.M. Best Rating of A. It has 2,598,340 direct premiums written, and 2,470,179 direct premiums earned.
Factors that can influence the cost of car insurance in Daly City, 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.
- Daly City, CA Auto Insurance Rates
- Daly City, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Daly City, CA
- Multi Vehicle Insurance Savings in Daly City, CA
- How Credit Score Affects Car Insurance Rates in Daly City, CA
- How DUI Affects Auto Insurance Premiums in Daly City, CA
- Top Auto Insurance Agents Near Daly City, CA
- How Driving Violations Affect Auto Insurance Rates in Daly City, CA
- Daly City, CA Auto Insurance Discounts on Anti Theft Feature
Daly City, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Daly City, CA with that of other cities in and around Daly City.
| Daly City | South San Francisco | Colma | Broadmoor | San Bruno | Brisbane | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,988 | $2,028 | $1,973 | $1,998 | $1,583 | $2,042 |
Daly City, 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 Daly City, 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) |
|---|---|---|
| Daly City | $2,824 | $2,386 |
| Broadmoor | $2,058 | $1,738 |
| Colma | $1,448 | $1,223 |
| Brisbane | $2,103 | $1,777 |
| South San Francisco | $2,089 | $1,764 |
| San Bruno | $2,954 | $2,495 |
| Pacifica | $1,921 | $1,623 |
| Millbrae | $1,402 | $1,184 |
Daly City, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Daly City, 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 | $6,451 |
| 20 Years | $2,554 |
| 30 Years | $1,967 |
| 40 Years | $1,893 |
| 50 Years | $1,753 |
| 60 Years | $1,777 |
| 70 Years | $2,069 |
Daly City, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Daly City, 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 | $3,499 | $477 |
| 3 Vehicles | $5,248 | $716 |
| 4 Vehicles | $6,998 | $954 |
Savings on 2 Vehicles bundle:$477
Savings on 3 Vehicles bundle:$716
Savings on 4 Vehicles bundle:$954
Daly City, 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 Daly City, CA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Daly City | $1,988 | $4,895 |
| Broadmoor | $1,998 | $4,919 |
| Colma | $1,973 | $4,858 |
| Brisbane | $2,042 | $5,028 |
| South San Francisco | $2,028 | $4,993 |
| San Bruno | $1,583 | $3,898 |
| Pacifica | $1,421 | $3,499 |
| Millbrae | $2,194 | $5,402 |
Daly City, 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) | $1,706 |
| Excellent (740-799) | $1,947 |
| Good (670-739) | $2,072 |
| Average (580-669) | $2,703 |
| Poor (300-579) | $3,243 |
Daly City, 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 |
|---|---|---|---|
| [ | D | e, b, a | |
| Cliff Young | State Farm | 1636-A Irving Street, San Francisco, 94122-1841 | 415-665-5119 |
| Arch Insurance Group | Travelers | FOUR EMBARCADERO CNT STE 2000, SAN FRANCISCO, 94111 | 210-530-5111 |
| Wilson Chan | State Farm | 25 Division St Ste 200, San Francisco, 94103-5234 | 415-593-8802 |
| Jake Stewart | State Farm | 821 Folsom Street, San Francisco, 94107-6110 | 415-982-9033 |
| Gary T | State Farm | 318 Westlake Ctr Ste 270, Daly City, 94015-1439 | 650-755-5099 |
| Phil Grites | State Farm | 1365 El Camino Real, Millbrae, 94030-1410 | 650-697-5300 |
| Equity Risk Partners Inc | Liberty Mutual Independent | 456 MONTGOMERY ST 16TH FL, SAN FRANCISCO, 94104 | (415) 874-7199 |
Daly City, 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 | +$87 | $2,075 |
| Driver's Failure In Showing Documents | +$193 | $2,181 |
| Driving With An Expired Registration | +$205 | $2,193 |
| Driving At A Considerably Slow Pace | +$431 | $2,419 |
| Using A Cellphone While Driving | +$455 | $2,443 |
| Running A Red Light | +$463 | $2,451 |
| Speeding | +$487 | $2,475 |
| Driving A Vehicle Without The Required Permission | +$618 | $2,606 |
| Driving With An Expired/Suspended License | +$1,340 | $3,328 |
Daly City, 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 | $1,908 |
| Active Disabling Device | $1,908 |
| Tracking Device | $1,869 |
| Passive Disabling Device | $1,849 |