Vallejo, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Vallejo, 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.
Top 5 Car Insurance Companies in Vallejo, CA, by Market Share
The average cost of auto insurance in Vallejo, CA, is $1,510. This is lower than the average cost of auto insurance in neighboring places such as Hercules, Benicia, Rodeo, American Canyon, and Port Costa. Auto insurance depends on numerous factors ranging from the make and model of the car to the driver’s age. Below is a list of the best auto insurance companies in Vallejo, CA.
STATE FARM:
State Farm occupies the first spot with a massive 4,106,038 direct premiums written and 4,090,146 direct premiums earned. The company holds a market share of 13.74% in California. State Farm received a score of 808/1000 in the J.D. Power Auto Insurance Study. One only needs to go as far as State Farm’s online faculty for an overview of the various insurance coverages they provide. The company is credited with a solid rating of A++ by A.M. Best.
FARMERS:
Farmers occupies a market share of 10.68% in California. The company has 3,191,341 direct premiums written, and 3,189,468 direct premiums earned. The ease of navigating the Farmers website is an added advantage. Farmers ranks a tad low on the J.D. Power Auto Insurance Study with a score of 805/1000. A.M. Best has given Farmers an A rating for its financial strength in the markets.
GEICO:
With 2,897,713 direct premiums written and 2,794,052 direct premiums earned, GEICO is a close third. The company has a market share of 9.69% in California and enjoys an A.M. Best Rating of A++. GEICO received a score of 825/1000 on the J.D. Power Auto Insurance Study, and also received the “Better Than The Most” tag.
ALLSTATE:
Allstate has 2,687,887 direct premiums written and 2,640,022 direct premiums earned in California. Allstate occupies the fourth spot with a market share of 8.99%. The company was one of the leading insurance providers in the auto insurance market back in 2010. Allstate has a J.D. Power Auto Insurance score of 808/1000 and an A.M. Best Rating of A+.
AAA:
AAA enjoys the “Better Than The Most” tag, alongside a J.D. Power score of 834/1000. The company occupies a market share of 8.69%. AAA offers Umbrella Liability Insurance and enjoys an A.M. Best Rating of A. It has 2,598,340 direct premiums written, and 2,470,179 direct premiums earned.
Factors that can influence the cost of car insurance in Vallejo, 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.
- Vallejo, CA Auto Insurance Rates
- Vallejo, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Vallejo, CA
- Multi Vehicle Insurance Savings in Vallejo, CA
- How Credit Score Affects Car Insurance Rates in Vallejo, CA
- How DUI Affects Auto Insurance Premiums in Vallejo, CA
- Top Auto Insurance Agents Near Vallejo, CA
- How Driving Violations Affect Auto Insurance Rates in Vallejo, CA
- Vallejo, CA Auto Insurance Discounts on Anti Theft Feature
- Vallejo, CA Auto Insurance Company Reviews
Vallejo, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Vallejo, CA with that of other cities in and around Vallejo.
| Vallejo | Hercules | Benicia | Rodeo | American Canyon | Port Costa | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,510 | $1,905 | $1,930 | $1,873 | $1,888 | $2,097 |
Vallejo, 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 Vallejo, 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) |
|---|---|---|
| Vallejo | $1,834 | $1,549 |
| Crockett | $1,377 | $1,163 |
| Benicia | $1,548 | $1,308 |
| Port Costa | $2,160 | $1,824 |
| Rodeo | $2,181 | $1,842 |
| American Canyon | $1,700 | $1,436 |
| Hercules | $1,424 | $1,203 |
| Pinole | $1,711 | $1,445 |
Vallejo, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Vallejo, 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 | $4,900 |
| 20 Years | $1,940 |
| 30 Years | $1,494 |
| 40 Years | $1,438 |
| 50 Years | $1,331 |
| 60 Years | $1,350 |
| 70 Years | $1,571 |
Vallejo, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Vallejo, 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 | $2,597 | $423 |
| 3 Vehicles | $3,896 | $634 |
| 4 Vehicles | $5,194 | $846 |
Savings on 2 Vehicles bundle:$423
Savings on 3 Vehicles bundle:$634
Savings on 4 Vehicles bundle:$846
Vallejo, 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 Vallejo, CA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Vallejo | $1,510 | $3,718 |
| Crockett | $1,893 | $4,661 |
| Benicia | $1,930 | $4,752 |
| Port Costa | $2,097 | $5,163 |
| Rodeo | $1,873 | $4,612 |
| American Canyon | $1,888 | $4,649 |
| Hercules | $1,905 | $4,690 |
| Pinole | $1,894 | $4,663 |
Vallejo, 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) | $1,296 |
| Excellent (740-799) | $1,479 |
| Good (670-739) | $1,573 |
| Average (580-669) | $2,053 |
| Poor (300-579) | $2,463 |
Vallejo, 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 |
|---|---|---|---|
| Alissa Gutierres | Allstate | 3237 Alhambra Ave Ste 3, Martinez, 94553 | (925) 201-6463 |
| Lazena Kelly-Andrada | State Farm | 2517 Sacramento St Ste B, Berkeley, 94702-2131 | 510-549-7400 |
| Gigi Horton | State Farm | 4775 Mangels Blvd, Fairfield, 94534-4175 | 707-864-4073 |
| Jose N. Guillermo | Allstate | 191 Military E Ste B, Benicia, 94510 | (707) 748-5815 |
| Steve Mcclure | State Farm | 560 First Street C103, Benicia, 94510-3295 | 707-745-0848 |
| Richard Arvin Lutcf | Farmers | 1433 Springs Rd, Vallejo, 94591 | (707) 642-8158 |
| Fidelity Insurance Service Inc | Liberty Mutual Independent | 801 ALLSTON WAY, BERKELEY, 94710 | 510-548-8200 |
| Wen Ling Cheng | State Farm | 1299 Old Bayshore Hwy Ste 118, Burlingame, 94010-1807 | 650-375-0328 |
Vallejo, 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 | +$66 | $1,576 |
| Driver's Failure In Showing Documents | +$146 | $1,656 |
| Driving With An Expired Registration | +$156 | $1,666 |
| Driving At A Considerably Slow Pace | +$328 | $1,838 |
| Using A Cellphone While Driving | +$346 | $1,856 |
| Running A Red Light | +$352 | $1,862 |
| Speeding | +$370 | $1,880 |
| Driving A Vehicle Without The Required Permission | +$470 | $1,980 |
| Driving With An Expired/Suspended License | +$1,018 | $2,528 |
Vallejo, 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 | $1,450 |
| Active Disabling Device | $1,450 |
| Tracking Device | $1,419 |
| Passive Disabling Device | $1,404 |
Latest Auto Insurance Reviews in Vallejo, CA | Back to Top
GeicoIt is way too expensive at the rate of 270 a month for just one person. The prices are so high because Minnesota drivers get into a lot of accidents. It's not a good risk pool.
GeicoThe premium on my policy is reasonable.I have compared my policy to AARPs Hartford policy and to State Farm's, and no one can beat the coverage I have.
GeicoMy policy is all inclusive. Most other companies don't offer specific additions to their policies or include extra coverage making most everything else something you have to add to your bill.
GeicoI would highly recommend Geico for car insurance. They have great customer service, awesome pricing, and a variety of policies to suit anyone's needs. I have been very happy with this company.
GeicoGeico is a great car insurance company that has been for me in several occasions. They have reasonable rates and are willing to work with you to ensure the customer is satisfied.
Farmer's InsuranceIt's good. I rarely interact with them but when I do they are great.
ProgressiveI haven't had any problem with them. I had to have a windshield replaced and my insurance did not go up.
GeicoI would recommend Geico. I appreciate the online service -much more efficient than State Farm online. I also like that they have offices nearby if I wanted to talk to someone.
ProgressiveProgressive gave us an opportunity to pay our six premium in full - with a $150 dollar deduction where as USAA did not offer.
TravelersTravelers had the best (lowest) premiums of any company I could find, and I always go with pretty high deductibles so as to lower premiums as much as possible.
TravelersTravelers had the best (lowest) premiums of any company I could find, and I always go with pretty high deductibles so as to lower premiums as much as possible.
AllstateI actually like the customer service representatives at Allstate. They seem like they are more on my side than what I've experienced with other insurance companies. And they aren't annoying and overly persistent.
GeicoI like that they have a really good coverage and are always in contact with you, lowering your premium if you are a good driver.
Farm BureauMy insurance company offers the same as any other company such as personal liability, collision coverage, theft coverage, and damage caused by weather or others at a reasonable price. I have also noticed that since I have been a long time customer my rate goes down each year.
ProgressiveI can't think of anything that I dislike about Progressive Insurance. In 20 years I have never had an issue with them, they have never canceled my insurance. I haven't had a bad experience.
AaaNothing. There is nothing I dislike about my insurance company. They have been nothing but awesome. If I had to pick something, I wish it was even less expensive, but since coverage is not even available at those rates, it is not a serious complaint.
ProgressiveI feel as if each interaction is more personable than any other places. I feel like the person on the phone actually cares about me and the issue that I have.