Mountain View, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Mountain View, 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.
Top 5 Car Insurance Companies by Market Share in Mountain View, CA
The average cost of auto insurance in Mountain View, CA, is $1,247. Motorists in Mountain View 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 Mountain View, 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 Mountain View, 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.
- Mountain View, CA Auto Insurance Rates
- Mountain View, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Mountain View, CA
- Multi Vehicle Insurance Savings in Mountain View, CA
- How Credit Score Affects Car Insurance Rates in Mountain View, CA
- How DUI Affects Auto Insurance Premiums in Mountain View, CA
- Top Auto Insurance Agents Near Mountain View, CA
- How Driving Violations Affect Auto Insurance Rates in Mountain View, CA
- Mountain View, CA Auto Insurance Discounts on Anti Theft Feature
- Mountain View, CA Auto Insurance Company Reviews
Mountain View, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Mountain View, CA with that of other cities in and around Mountain View.
| Mountain View | East Palo Alto | Sunnyvale | Los Altos | Los Altos Hills | Stanford | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,247 | $1,966 | $1,310 | $2,566 | $2,566 | $2,391 |
Mountain View, 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 Mountain View, 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) |
|---|---|---|
| Mountain View | $2,237 | $1,890 |
| Los Altos | $2,643 | $2,232 |
| Sunnyvale | $2,227 | $1,881 |
| Palo Alto | $2,301 | $1,944 |
| Loyola | $2,643 | $2,232 |
| Los Altos Hills | $2,643 | $2,232 |
| Stanford | $2,463 | $2,080 |
| East Palo Alto | $2,025 | $1,710 |
Mountain View, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Mountain View, 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 | $4,046 |
| 20 Years | $1,602 |
| 30 Years | $1,234 |
| 40 Years | $1,187 |
| 50 Years | $1,100 |
| 60 Years | $1,115 |
| 70 Years | $1,298 |
Mountain View, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Mountain View, 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 | $2,170 | $324 |
| 3 Vehicles | $3,255 | $486 |
| 4 Vehicles | $4,340 | $648 |
Savings on 2 Vehicles bundle:$324
Savings on 3 Vehicles bundle:$486
Savings on 4 Vehicles bundle:$648
Mountain View, 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 Mountain View, CA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Mountain View | $1,247 | $3,070 |
| Los Altos | $2,566 | $6,318 |
| Sunnyvale | $1,310 | $3,225 |
| Palo Alto | $1,279 | $3,149 |
| Loyola | $2,566 | $6,318 |
| Los Altos Hills | $2,566 | $6,318 |
| Stanford | $2,391 | $5,887 |
| East Palo Alto | $1,966 | $4,841 |
Mountain View, 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) | $1,070 |
| Excellent (740-799) | $1,221 |
| Good (670-739) | $1,299 |
| Average (580-669) | $1,695 |
| Poor (300-579) | $2,034 |
Mountain View, 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 |
|---|---|---|---|
| Kristen Young | State Farm | 543 Main St, Half Moon Bay, 94019-1921 | 650-726-8400 |
| Kelly Qu | State Farm | 4620 Fortran Drive Suite 203, San Jose, 95134-2322 | 408-935-9355 |
| Ruth Barron | State Farm | 5251 Stevens Creek Blvd, Santa Clara, 95051-6664 | 408-564-8880 |
| Anthony Morin | Allstate | 525 W Remington Dr Ste 110, Sunnyvale, 94087 | (650) 759-4328 |
| Clayton Ins Agcy Inc | Travelers | 1731 TECHNOLOGY DR SUITE 250, SAN JOSE, 95110 | 408-441-2000 |
| Darren Normoyle | State Farm | 1779 Woodside Rd Ste 200, Redwood City, 94061-3438 | 650-260-2532 |
| Jason Schram | Farmers | 1731 Embarcadero Rd Ste 212, Palo Alto, 94303 | (650) 856-8002 |
| Shelley Shukla | State Farm | 2716 El Camino Real, Santa Clara, 95051-3007 | 408-241-4700 |
| Gene L Daniels | State Farm | 39899 Balentine Dr Ste 120, Newark, 94560-5356 | 510-445-0900 |
Mountain View, 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 | +$55 | $1,302 |
| Driver's Failure In Showing Documents | +$121 | $1,368 |
| Driving With An Expired Registration | +$128 | $1,375 |
| Driving At A Considerably Slow Pace | +$271 | $1,518 |
| Using A Cellphone While Driving | +$286 | $1,533 |
| Running A Red Light | +$291 | $1,538 |
| Speeding | +$306 | $1,553 |
| Driving A Vehicle Without The Required Permission | +$388 | $1,635 |
| Driving With An Expired/Suspended License | +$840 | $2,087 |
Mountain View, 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 | $1,197 |
| Active Disabling Device | $1,197 |
| Tracking Device | $1,172 |
| Passive Disabling Device | $1,160 |
Latest Auto Insurance Reviews in Mountain View, CA | Back to Top
GeicoI think the premium is too high, but it is not as high as other policies I checked out. Since it is a law that we have to have auto insurance, they really have the advantage over the consumer.
State FarmI recommend State Farm above all others because of their rates and customer service. They have been incredibly helpful and informative over these many years.
AllstateI love Allstate compared to other companies because I have a challenged driving record but they were the only company willing to offer affordable car insurance for my BMW that I bundled with my home insurance.
Farmer's InsuranceThe customer rep was very helpful and answered all my questions. My needs were met and I was able to save an additional $50 per month.
KemperI wouldn't recommend them unless someone was looking for a bundle. The student discount thing was annoying.
GeicoGeico insurance has been fair. My girlfriend and I got it for our home and seem to be satisfied with their customer service.If there is a better deal out there, I'm pretty sure Geico.
GeicoI am very satisfied with my car insurance policy offerings. In driving in California, good insurance coverage is a must. I have a policy that checks all the boxes as to what I need.
MetlifeI rate this company as a 3, a good 'middle of the road' company. They are helpful, once you get through to a human after the auto bot.