Lodi, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Lodi, 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 Lodi, CA
The average cost of auto insurance in Lodi, CA, is $1,443. Motorists in Lodi 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 Lodi, CA.
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 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.
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 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 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 Lodi, 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.
- Lodi, CA Auto Insurance Rates
- Lodi, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Lodi, CA
- Multi Vehicle Insurance Savings in Lodi, CA
- How Credit Score Affects Car Insurance Rates in Lodi, CA
- How DUI Affects Auto Insurance Premiums in Lodi, CA
- Top Auto Insurance Agents Near Lodi, CA
- How Driving Violations Affect Auto Insurance Rates in Lodi, CA
- Lodi, CA Auto Insurance Discounts on Anti Theft Feature
- Lodi, CA Auto Insurance Company Reviews
Lodi, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Lodi, CA with that of other cities in and around Lodi.
|Average Insurance Rates||$1,443||$1,935||$1,846||$1,855||$1,865||$1,910|
Lodi, 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 Lodi, 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)|
Lodi, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Lodi, 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|
Lodi, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Lodi, 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|
Savings on 2 Vehicles bundle:$375
Savings on 3 Vehicles bundle:$563
Savings on 4 Vehicles bundle:$750
Lodi, 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 Lodi, CA.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
Lodi, 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|
Lodi, 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|
|Confidence Plus Insurance Services||Allstate||101 N Church St, Lodi, 95240||(209) 339-1328|
|Don Guzman||State Farm||3422 W Hammer Ln Ste G, Stockton, 95219-5493||209-473-9401|
|Esther Park||Farmers||9240 Laguna Springs Dr Ste 101, Elk Grove, 95758||(916) 588-7719|
|George Azevedo Jr||State Farm||718 Lincoln Center, Stockton, 95207-2643||209-474-3285|
|Jeff Kroll||State Farm||8855 Thornton Rd Ste A, Stockton, 95209-1882||209-473-7104|
|Chris Hansen Lutcf||Farmers||8788 Elk Grove Blvd Ste G, Elk Grove, 95624||(916) 685-5550|
|Judy Francis||State Farm||3581 Mt Diablo Blvd. Ste 225, Lafayette, 94549-8306||925-283-5040|
|Heffernan Insurance Brokers||Liberty Mutual Independent||1350 CARLBACK AVE STE 200, WALNUT CREEK, 94596||(925) 934-8500|
Lodi, 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||+$63||$1,506|
|Driver's Failure In Showing Documents||+$140||$1,583|
|Driving With An Expired Registration||+$149||$1,592|
|Driving At A Considerably Slow Pace||+$313||$1,756|
|Using A Cellphone While Driving||+$330||$1,773|
|Running A Red Light||+$336||$1,779|
|Driving A Vehicle Without The Required Permission||+$449||$1,892|
|Driving With An Expired/Suspended License||+$973||$2,416|
Lodi, 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|
|Active Disabling Device||$1,385|
|Passive Disabling Device||$1,342|
Latest Auto Insurance Reviews in Lodi, CA | Back to Top
i would highly recommend state farm because they have easy online claims filing, reasonable rates and awesome customer service. you get what you pay for and it doesn't cost you a lot.
Their offerings are much like the others, but the people have been much nicer, which makes it worth it for me.
The premium and deductible are very affordable. The prices are very low compared to the prices other companies offer.
In comparison to other insurance companies, mine is much better. Better being the operative word, I think cheaper is really the most important.
I would recommend State Farm because when an accident happens you need to know you are covered.
I think as a company overall they can be trusted. They offer good service, and policies that cover a variety of issues that could happen. I do recommend them as a long time policy holder.