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

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

Zimlon, through its research, found that car owners in Orinda, 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 Orinda, 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.

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

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

Orinda Reliez Valley Acalanes Ridge Lafayette Saranap Briones
Average Insurance Rates $2,232 $2,100 $2,093 $2,229 $2,065 $1,934

Orinda, 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 Orinda, 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)
Orinda $2,014 $1,701
Lafayette $2,297 $1,940
Moraga $2,100 $1,774
Briones $1,387 $1,172
Piedmont $2,697 $2,278
Saranap $1,346 $1,137
Acalanes Ridge $1,718 $1,451
Reliez Valley $2,192 $1,851

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

Teenagers in Orinda, 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 $7,242
20 Years $2,868
30 Years $2,209
40 Years $2,125
50 Years $1,968
60 Years $1,996
70 Years $2,323

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

Car owners in Orinda, 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 $3,794 $670
3 Vehicles $5,692 $1,004
4 Vehicles $7,589 $1,339

Savings on 2 Vehicles bundle:$670

Savings on 3 Vehicles bundle:$1,004

Savings on 4 Vehicles bundle:$1,339

Orinda, 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 Orinda, CA.

Location Average Insurance Cost Post DUI Insurance Rate
Orinda $2,232 $5,496
Lafayette $2,229 $5,488
Moraga $2,152 $5,299
Briones $1,934 $4,762
Piedmont $2,444 $6,018
Saranap $2,065 $5,084
Acalanes Ridge $2,093 $5,153
Reliez Valley $2,100 $5,171

Orinda, 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) $1,915
Excellent (740-799) $2,186
Good (670-739) $2,326
Average (580-669) $3,034
Poor (300-579) $3,641

Orinda, 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
Kelly Lux State Farm 564 Park St, Alameda, 94501-6233 510-521-1222
Ralph Robinson Farmers 1250 45th St Ste 200, Emeryville, 94608 (510) 654-4949
David Chacon State Farm 3425 25th St, San Francisco, 94110-3879 415-647-9900
Ryan Hayes Insurance Brokerage Travelers 1301 YGNACIO VALLEY RD STE 202, WALNUT CREEK, 94596 925-478-5903
Ray Horton Farmers 1250 45th St Ste 200, Emeryville, 94608 (510) 654-4949
David Siu Man Tang Allstate 822 Franklin St Ste 7, Oakland, 94607 (510) 238-1900
Brady-Harbord-Payne Travelers 3608 GRAND AVE STE 2, OAKLAND, 94610 510-444-5645
Amy Cheok Allstate 180 2nd St Ste 1, Oakland, 94607 (510) 338-3570
Kelly Sopak State Farm 1225 Solano Ave Ste A, Albany, 94706-1734 510-526-4961
Citigeneral Insurance Services Inc Travelers 1255 TREAT BLVD STE 300, WALNUT CREEK, 94597 925-685-8833
Affiliated Insurance Brokers Liberty Mutual Independent 2637 PLEASANT HILL RD, PLEASANT HILL, 94523 (925) 945-6161
Gordon Gonsalves State Farm 1910 Olympic Blvd Ste 280, Walnut Creek, 94596-5071 925-930-0394
Grantland Bailey State Farm 2115 Macarthur Blvd, Oakland, 94602-2228 510-482-7700

Orinda, 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 +$98 $2,330
Driver's Failure In Showing Documents +$217 $2,449
Driving With An Expired Registration +$230 $2,462
Driving At A Considerably Slow Pace +$484 $2,716
Using A Cellphone While Driving +$511 $2,743
Running A Red Light +$520 $2,752
Speeding +$547 $2,779
Driving A Vehicle Without The Required Permission +$694 $2,926
Driving With An Expired/Suspended License +$1,504 $3,736

Orinda, 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 $2,143
Active Disabling Device $2,143
Tracking Device $2,098
Passive Disabling Device $2,076