San Luis Obispo Auto Insurance Rates, Quotes, Agents & Reviews in CA

San Luis Obispo, CA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in San Luis Obispo, 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 Luis Obispo, 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 Luis Obispo, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

San Luis Obispo Los Osos Grover Beach Los Ranchos Oceano Edna
Average Insurance Rates $1,047 $1,907 $1,901 $2,084 $1,855 $1,982

San Luis Obispo, 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 Luis Obispo, 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 Luis Obispo $1,706 $1,441
Los Ranchos $2,148 $1,814
Avilla Beach $1,161 $980
Edna $2,041 $1,724
Pismo Beach $2,052 $1,733
Grover Beach $1,822 $1,539
Los Osos $1,117 $943
Oceano $1,906 $1,610

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

Teenagers in San Luis Obispo, 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 $3,397
20 Years $1,345
30 Years $1,036
40 Years $997
50 Years $923
60 Years $936
70 Years $1,090

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

Car owners in San Luis Obispo, 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 $1,801 $293
3 Vehicles $2,701 $440
4 Vehicles $3,602 $586

Savings on 2 Vehicles bundle:$293

Savings on 3 Vehicles bundle:$440

Savings on 4 Vehicles bundle:$586


San Luis Obispo, 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 Luis Obispo, CA.

Location Average Insurance Cost Post DUI Insurance Rate
San Luis Obispo $1,047 $2,578
Los Ranchos $2,084 $5,131
Avilla Beach $2,027 $4,991
Edna $1,982 $4,880
Pismo Beach $1,992 $4,905
Grover Beach $1,901 $4,681
Los Osos $1,907 $4,695
Oceano $1,855 $4,567

San Luis Obispo, 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) $898
Excellent (740-799) $1,025
Good (670-739) $1,091
Average (580-669) $1,423
Poor (300-579) $1,708

San Luis Obispo, 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
Daniel Phillips Lutcf Farmers 8800 El Camino Real, Atascadero, 93422 (805) 461-1664
Breven Baima Farmers 1750 El Camino Real Ste D, Grover Beach, 93433 (805) 481-5324
R Michael Wright Farmers 11573 Los Osos Valley Rd Ste F, San Luis Obispo, 93405 (805) 541-3942
Susan Rodriguez State Farm 1317 Broad St Ste A, Sn Luis Obisp, 93401-3909 805-783-7050
Glen Wolf State Farm 708 E Grand Ave Ste A, Arroyo Grande, 93420-3244 805-489-5589
Marc Amesse State Farm 2251 Broad St Ste A, Sn Luis Obisp, 93401-5244 805-543-0889
Jamie Clark State Farm 1538 W Branch St, Arroyo Grande, 93420-1818 805-473-3897

San Luis Obispo, 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 +$46 $1,093
Driver's Failure In Showing Documents +$102 $1,149
Driving With An Expired Registration +$108 $1,155
Driving At A Considerably Slow Pace +$227 $1,274
Using A Cellphone While Driving +$240 $1,287
Running A Red Light +$244 $1,291
Speeding +$257 $1,304
Driving A Vehicle Without The Required Permission +$326 $1,373
Driving With An Expired/Suspended License +$706 $1,753

San Luis Obispo, 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 $1,005
Active Disabling Device $1,005
Tracking Device $984
Passive Disabling Device $974

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

State Farm
I think that they are taking the customer service away from local branches. The last time I submitted a claim, I was told I would have to submit over the phone to an 800 number.
Progressive
They offer several things that other companies do not, such as roadside assistance and great options for rental cars if you need to use one due to an accident.
Farmer's Insurance
They offer a high level of satisfaction when it comes to customer service. It's really easy to get in touch with a real person to talk to via either phone or internet.
Geico
Yes I would recommend Geico because the rates are low and it is very easy to file a claim through the internet. Also the adjusters are very nice to work with.
Geico
I have had no problems accessing help from geico when i need it. I have been able to communicate via email or by phone.
Geico
I disliked all the emails that they continuously sent me about promotions and deals. I already signed up, I didn't need the extra work.
Progressive
They are very similar except from what I've noticed the prices are a bit higher than if I went with geico.