Rancho Santa Fe, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Rancho Santa Fe, 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.
Factors that can influence the cost of car insurance in Rancho Santa Fe, 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.
- Rancho Santa Fe, CA Auto Insurance Rates
- Rancho Santa Fe, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Rancho Santa Fe, CA
- Multi Vehicle Insurance Savings in Rancho Santa Fe, CA
- How Credit Score Affects Car Insurance Rates in Rancho Santa Fe, CA
- How DUI Affects Auto Insurance Premiums in Rancho Santa Fe, CA
- How Driving Violations Affect Auto Insurance Rates in Rancho Santa Fe, CA
- Rancho Santa Fe, CA Auto Insurance Discounts on Anti Theft Feature
Rancho Santa Fe, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Rancho Santa Fe, CA with that of other cities in and around Rancho Santa Fe.
| Rancho Santa Fe | Fairbanks Ranch | Encinitas | Lake San Marcos | Del Mar | Carlsbad | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,566 | $2,566 | $1,243 | $1,951 | $2,566 | $1,218 |
Rancho Santa Fe, 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 Rancho Santa Fe, 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) |
|---|---|---|
| Rancho Santa Fe | $2,863 | $2,419 |
| Fairbanks Ranch | $2,643 | $2,232 |
| Solana Beach | $3,050 | $2,576 |
| Encinitas | $1,600 | $1,351 |
| Del Mar | $2,643 | $2,232 |
| Lake San Marcos | $1,977 | $1,670 |
| San Marcos | $1,982 | $1,674 |
| Carlsbad | $2,069 | $1,748 |
Rancho Santa Fe, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Rancho Santa Fe, 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 | $8,326 |
| 20 Years | $3,297 |
| 30 Years | $2,539 |
| 40 Years | $2,443 |
| 50 Years | $2,263 |
| 60 Years | $2,294 |
| 70 Years | $2,670 |
Rancho Santa Fe, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Rancho Santa Fe, 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 | $4,465 | $667 |
| 3 Vehicles | $6,697 | $1,001 |
| 4 Vehicles | $8,930 | $1,334 |
Savings on 2 Vehicles bundle:$667
Savings on 3 Vehicles bundle:$1,001
Savings on 4 Vehicles bundle:$1,334
Rancho Santa Fe, 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 Rancho Santa Fe, CA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Rancho Santa Fe | $2,566 | $6,318 |
| Fairbanks Ranch | $2,566 | $6,318 |
| Solana Beach | $2,182 | $5,373 |
| Encinitas | $1,243 | $3,061 |
| Del Mar | $2,566 | $6,318 |
| Lake San Marcos | $1,951 | $4,804 |
| San Marcos | $1,262 | $3,107 |
| Carlsbad | $1,218 | $2,999 |
Rancho Santa Fe, 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) | $2,202 |
| Excellent (740-799) | $2,513 |
| Good (670-739) | $2,674 |
| Average (580-669) | $3,488 |
| Poor (300-579) | $4,185 |
Rancho Santa Fe, 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 | +$113 | $2,679 |
| Driver's Failure In Showing Documents | +$249 | $2,815 |
| Driving With An Expired Registration | +$264 | $2,830 |
| Driving At A Considerably Slow Pace | +$557 | $3,123 |
| Using A Cellphone While Driving | +$588 | $3,154 |
| Running A Red Light | +$598 | $3,164 |
| Speeding | +$629 | $3,195 |
| Driving A Vehicle Without The Required Permission | +$798 | $3,364 |
| Driving With An Expired/Suspended License | +$1,729 | $4,295 |
Rancho Santa Fe, 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 | $2,463 |
| Active Disabling Device | $2,463 |
| Tracking Device | $2,412 |
| Passive Disabling Device | $2,386 |