Lemon Grove Auto Insurance Rates, Quotes, Agents & Reviews in CA

Lemon Grove, CA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Lemon Grove, 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 Lemon Grove, 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.


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

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

Lemon Grove Bonita Casa de Oro-Mount Helix La Presa El Cajon Spring Valley
Average Insurance Rates $1,867 $1,966 $1,976 $1,859 $1,363 $1,884

Lemon Grove, 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 Lemon Grove, 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)
Lemon Grove $1,464 $1,236
La Presa $2,445 $2,065
La Mesa $1,057 $893
Spring Valley $1,094 $924
Casa de Oro-Mount Helix $1,586 $1,340
Bonita $1,998 $1,688
National City $2,441 $2,062
El Cajon $1,333 $1,126

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

Teenagers in Lemon Grove, 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 $6,058
20 Years $2,399
30 Years $1,848
40 Years $1,778
50 Years $1,646
60 Years $1,669
70 Years $1,943

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

Car owners in Lemon Grove, 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 $3,249 $485
3 Vehicles $4,873 $728
4 Vehicles $6,497 $971

Savings on 2 Vehicles bundle:$485

Savings on 3 Vehicles bundle:$728

Savings on 4 Vehicles bundle:$971


Lemon Grove, 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 Lemon Grove, CA.

Location Average Insurance Cost Post DUI Insurance Rate
Lemon Grove $1,867 $4,597
La Presa $1,859 $4,577
La Mesa $1,306 $3,216
Spring Valley $1,884 $4,639
Casa de Oro-Mount Helix $1,976 $4,865
Bonita $1,966 $4,841
National City $1,857 $4,572
El Cajon $1,363 $3,356

Lemon Grove, 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) $1,602
Excellent (740-799) $1,828
Good (670-739) $1,945
Average (580-669) $2,538
Poor (300-579) $3,045

Lemon Grove, 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
Right Time Insurance Services Travelers 1761 HOTEL CIRCLE S STE 119, SAN DIEGO, 92108 619-299-6000
Fred Hetter State Farm 265 E St Ste B, Chula Vista, 91910-2930 619-420-9430
Susanne Schaible Liberty Mutual 9325 Sky Park Ct. Ste 200, San Diego, 92123 1-858-558-8311
Eleanor Mohammed State Farm 8844 La Mesa Blvd, La Mesa, 91942-5460 619-589-1504
Raymond Koda Allstate 333 W Main St, El Cajon, 92020 (619) 328-5698
Raymond Koda Allstate 333 W Main St, El Cajon, 92020 (619) 328-5698
Kevin Kane State Farm 8690 Aero Dr Ste 117, San Diego, 92123-1734 858-514-0385
Bill Paxton State Farm 2254 Moore St Ste 103, San Diego, 92110-3024 619-543-9697
San Diego Mission Insurance Agency Liberty Mutual Independent 10981 SAN DIEGO MISSION RD STE 220, SAN DIEGO, 92108 (619) 401-1800
Clyde Shellstrom Allstate 535 Sweetwater Rd, Spring Valley, 91977 (619) 337-0300
Marilyn Billingsley State Farm 1527 W Lewis St, San Diego, 92103-1220 619-296-6505
Fusco & Orsini Ins Services Inc Travelers 5095 MURPHY CANYON RD 200, SAN DIEGO, 92123 858-384-1506

Lemon Grove, 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 $1,949
Driver's Failure In Showing Documents +$181 $2,048
Driving With An Expired Registration +$192 $2,059
Driving At A Considerably Slow Pace +$405 $2,272
Using A Cellphone While Driving +$428 $2,295
Running A Red Light +$435 $2,302
Speeding +$457 $2,324
Driving A Vehicle Without The Required Permission +$581 $2,448
Driving With An Expired/Suspended License +$1,258 $3,125

Lemon Grove, 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 $1,792
Active Disabling Device $1,792
Tracking Device $1,755
Passive Disabling Device $1,736