Mountain View Auto Insurance Rates, Quotes, Agents & Reviews in CA

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.

Compare Quotes from Top Providers and Save now!

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 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 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 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

I 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 Farm
I recommend State Farm above all others because of their rates and customer service. They have been incredibly helpful and informative over these many years.
I 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 Insurance
The 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.
I wouldn't recommend them unless someone was looking for a bundle. The student discount thing was annoying.
Geico 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.
I 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.
I 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.