San Clemente Auto Insurance Rates, Quotes, Agents & Reviews in CA

San Clemente, CA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in San Clemente, 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 San Clemente, 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.

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

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

San Clemente Ladera Ranch Mission Viejo Dana Point San Juan Capistrano South Coast
Average Insurance Rates $1,306 $2,053 $1,288 $2,066 $1,981 $2,011

San Clemente, 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 San Clemente, 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)
San Clemente $2,926 $2,472
San Juan Capistrano $2,040 $1,723
Dana Point $2,033 $1,717
South Coast $2,890 $2,441
Ladera Ranch $1,173 $991
Laguna Niguel $2,710 $2,289
Mission Viejo $1,271 $1,074
Las Flores $1,464 $1,236

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

Teenagers in San Clemente, 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 $4,238
20 Years $1,678
30 Years $1,293
40 Years $1,244
50 Years $1,152
60 Years $1,168
70 Years $1,359

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

Car owners in San Clemente, 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 $2,220 $392
3 Vehicles $3,330 $588
4 Vehicles $4,440 $784

Savings on 2 Vehicles bundle:$392

Savings on 3 Vehicles bundle:$588

Savings on 4 Vehicles bundle:$784

San Clemente, 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 San Clemente, CA.

Location Average Insurance Cost Post DUI Insurance Rate
San Clemente $1,306 $3,216
San Juan Capistrano $1,981 $4,878
Dana Point $2,066 $5,087
South Coast $2,011 $4,951
Ladera Ranch $2,053 $5,055
Laguna Niguel $1,345 $3,312
Mission Viejo $1,288 $3,171
Las Flores $2,026 $4,988

San Clemente, 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) $1,121
Excellent (740-799) $1,279
Good (670-739) $1,361
Average (580-669) $1,775
Poor (300-579) $2,130

San Clemente, 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
Greg Rosalino State Farm 1401 N El Camino Real Ste 109, San Clemente, 92672-4982 949-276-5551
Insurance Solutions Travelers 33302 VALLE RD STE 200, SAN JUAN CAPISTRANO, 92675 949-348-7400
Kevin Peterson Farmers 1104 S El Camino Real Ste A, San Clemente, 92672 (949) 681-5041
Jason Ortega Farmers 3553 CAMINO MIRA COSTA Ste G, San Clemente, 92672 (949) 429-3620
Nathan Comstock Insurance Services Travelers 28570 MARGUERITE PARKWAY STE 208, MISSION VIEJO, 92692 949-887-6629
Ted Bowersox State Farm Ste 204 34085 Pacific Coast Hwy, Dana Point, 92629-2765 949-661-3200
Dennis Simmons Farmers 219 Avenida Del Mar Ste B, San Clemente, 92672 (949) 488-0444
Steve Karlan State Farm 28321 Marguerite Pkwy Ste 203, Mission Viejo, 92692-3724 949-429-1626
Brakke Schafnitz Insurance Brokers Liberty Mutual Independent 28202 CABOT RD STE 600, LAGUNA NIGUEL, 92677 (800) 464-3606
Carl Winston State Farm 1451 W Artesia Blvd Ste 10, Gardena, 90248-3232 310-808-9142
Jerry Estabrook State Farm 2700 E Coast Hwy Ste 202, Corona Dl Mar, 92625-2128 949-673-8643
Andrew Yang State Farm 1422 Cabrillo Ave, Torrance, 90501-2815 310-782-7884

San Clemente, 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 +$57 $1,363
Driver's Failure In Showing Documents +$127 $1,433
Driving With An Expired Registration +$135 $1,441
Driving At A Considerably Slow Pace +$283 $1,589
Using A Cellphone While Driving +$299 $1,605
Running A Red Light +$304 $1,610
Speeding +$320 $1,626
Driving A Vehicle Without The Required Permission +$406 $1,712
Driving With An Expired/Suspended License +$880 $2,186

San Clemente, 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 $1,254
Active Disabling Device $1,254
Tracking Device $1,228
Passive Disabling Device $1,215

Latest Auto Insurance Reviews in San Clemente, CA | Back to Top

State Farm
I bundled both home and auto insurance which made my premiums and deductibles manageable for my needs. Again the rates were much cheaper than my previous company.
State Farm
I would 100% recommend State Farm for auto insurance because they offer the best prices for me and have fantastic customer service. when they treat you like a person and even as a friend.
Farmer's Insurance
My experience with Farmer's Insurance as my car insurance company has been wonderful. They are much better than any other company that I have contracted with in the past.
For me the best thing about AAA that there is a small chance to get liquefied, my last company which is Access got liquefied and had to wait for a year to get my money back!