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

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

Zimlon, through its research, found that car owners in Folsom, 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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Top 5 Car Insurance Companies by Market Share in Folsom, CA

The average cost of auto insurance in Folsom, CA, is $1,376. Motorists in Folsom can save more by comparing multiple quotes from different auto insurance companies. The cost of auto insurance depends on numerous factors ranging from the car’s make and model to the driver’s age. Below is a list of the best auto insurance companies in Folsom, CA.

top_5_car_insurance_companies_by_market_share_in_folsom_ca

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 to overview 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 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 Folsom, 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.


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

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

Folsom Fair Oaks Cameron Park Gold River Granite Bay Orangevale
Average Insurance Rates $1,376 $1,888 $1,874 $1,903 $2,008 $1,851

Folsom, 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 Folsom, 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)
Folsom $1,506 $1,272
Orangevale $1,907 $1,610
El Dorado Hills $1,984 $1,676
Fair Oaks $1,945 $1,643
Gold River $1,385 $1,170
Granite Bay $2,252 $1,902
Citrus Heights $1,374 $1,161
Cameron Park $1,446 $1,221

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

Teenagers in Folsom, 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 $4,465
20 Years $1,768
30 Years $1,362
40 Years $1,310
50 Years $1,213
60 Years $1,230
70 Years $1,432

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

Car owners in Folsom, 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 $2,339 $413
3 Vehicles $3,509 $619
4 Vehicles $4,678 $826

Savings on 2 Vehicles bundle:$413

Savings on 3 Vehicles bundle:$619

Savings on 4 Vehicles bundle:$826


Folsom, 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 Folsom, CA.

Location Average Insurance Cost Post DUI Insurance Rate
Folsom $1,376 $3,388
Orangevale $1,851 $4,558
El Dorado Hills $1,428 $3,516
Fair Oaks $1,888 $4,649
Gold River $1,903 $4,686
Granite Bay $2,008 $4,944
Citrus Heights $1,735 $4,272
Cameron Park $1,874 $4,614

Folsom, 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) $1,181
Excellent (740-799) $1,348
Good (670-739) $1,434
Average (580-669) $1,871
Poor (300-579) $2,244

Folsom, 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
David Bolce Farmers 801 Riverside Ave Ste 206, Roseville, 95678 (916) 628-2862
Brent Petersen State Farm 4401 Hazel Ave Ste 115, Fair Oaks, 95628-6693 916-966-4926
Audrey Smith-Wiberg State Farm 8856 Greenback Ln Ste A, Orangevale, 95662-4089 916-988-5493
Aaron Luke Grigsby Agency Nationwide 5006 Sunrise Blvd STE 102, Fair Oaks, 95628 (916) 844-1500
Fred Simmons Ins Marktng Nationwide 11294 Coloma Road Suite D, Gold River, 95670-4486 (916) 638-0585
Citizens Insurance Services Inc Travelers 1632 DOUGLAS BLVD, ROSEVILLE, 95661 916-791-4033
Valerie Adams Farmers 7932 Sunset Ave Ste G, Fair Oaks, 95628 (916) 961-3436
Doug Rowley State Farm 8908 Madison Ave Ste B, Fair Oaks, 95628-4019 916-967-6617

Folsom, 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 +$61 $1,437
Driver's Failure In Showing Documents +$133 $1,509
Driving With An Expired Registration +$142 $1,518
Driving At A Considerably Slow Pace +$299 $1,675
Using A Cellphone While Driving +$315 $1,691
Running A Red Light +$321 $1,697
Speeding +$337 $1,713
Driving A Vehicle Without The Required Permission +$428 $1,804
Driving With An Expired/Suspended License +$927 $2,303

Folsom, 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 $1,321
Active Disabling Device $1,321
Tracking Device $1,293
Passive Disabling Device $1,280

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

Geico
The car insurance policy also good. We bought before 1 person drove one person front sit. they charged $ 130 for a month but, we changed 2 person driver but, never accident until now.
Progressive
My car insurance company Progressive is having attractive premiums and less deductible amount than other car insurance providers.
Farmer's Insurance
they treated me well they are very attentive axplicativos and I recommend them they are respectful and very kind