Rio Linda Auto Insurance Rates, Quotes, Agents & Reviews in CA

Rio Linda, CA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Rio Linda, 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 Rio Linda, 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.


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

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

Rio Linda Antelope North Highlands Foothill Farms Arden-Arcade McClellan Park
Average Insurance Rates $1,805 $1,827 $1,781 $1,795 $1,852 $2,142

Rio Linda, 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 Rio Linda, 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)
Rio Linda $974 $823
Elverta $2,237 $1,890
McClellan Park $2,206 $1,864
North Highlands $1,519 $1,283
Antelope $1,601 $1,352
Foothill Farms $1,548 $1,308
Arden-Arcade $1,674 $1,414
Carmichael $1,626 $1,374

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

Teenagers in Rio Linda, 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 $5,857
20 Years $2,319
30 Years $1,786
40 Years $1,719
50 Years $1,592
60 Years $1,614
70 Years $1,878

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

Car owners in Rio Linda, 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 $3,177 $433
3 Vehicles $4,765 $650
4 Vehicles $6,354 $866

Savings on 2 Vehicles bundle:$433

Savings on 3 Vehicles bundle:$650

Savings on 4 Vehicles bundle:$866


Rio Linda, 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 Rio Linda, CA.

Location Average Insurance Cost Post DUI Insurance Rate
Rio Linda $1,805 $4,444
Elverta $1,827 $4,498
McClellan Park $2,142 $5,274
North Highlands $1,781 $4,385
Antelope $1,827 $4,498
Foothill Farms $1,795 $4,420
Arden-Arcade $1,852 $4,560
Carmichael $1,853 $4,562

Rio Linda, 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) $1,549
Excellent (740-799) $1,768
Good (670-739) $1,881
Average (580-669) $2,454
Poor (300-579) $2,944

Rio Linda, 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
Miguel Sanchez Allstate 701 12th St, Sacramento, 95814 (916) 943-1470
Roy Young State Farm 1120 Douglas Blvd Ste A, Roseville, 95678-2800 916-786-2461
Peter Schiro State Farm 1515 30th St Ste 200, Sacramento, 95816-6502 916-444-9787
Edward Lewis Farmers 1035 JEFFERSON BLVD STE 6, West Sacramento, 95691 (916) 371-1642
Jim Lee Farmers 1851 Heritage Ln Ste 240, Sacramento, 95815 (916) 514-9910
Michele Adams State Farm 947 Enterprise Dr Ste I, Sacramento, 95825-3940 916-927-0546
George William Morelos Jr Travelers 5346 MADISON AVE STE B, SACRAMENTO, 95841 916-482-5500
Esther S Nelson State Farm 6359 Auburn Blvd Ste A, Citrus Hts, 95621-5271 916-722-8485
C. W. Wright Insurance Services None 2400 22Nd Street, Ste 100, Sacramento, 95818 None
Jazmin Arias Farmers 801 Jefferson St Ste 1, Fairfield, 94533 (707) 429-3134

Rio Linda, 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 +$79 $1,884
Driver's Failure In Showing Documents +$175 $1,980
Driving With An Expired Registration +$186 $1,991
Driving At A Considerably Slow Pace +$392 $2,197
Using A Cellphone While Driving +$413 $2,218
Running A Red Light +$421 $2,226
Speeding +$442 $2,247
Driving A Vehicle Without The Required Permission +$561 $2,366
Driving With An Expired/Suspended License +$1,217 $3,022

Rio Linda, 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 $1,733
Active Disabling Device $1,733
Tracking Device $1,697
Passive Disabling Device $1,679