Westminster, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Westminster, 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.
Car insurance premiums in Westminster, California, vary by $1,793 based on the driver’s background and record
In its recent analysis of car insurance policies in Westminster, California, Zimlon found that unmarried male and female drivers with a clean driving record or with no more than one traffic violation pay the lowest premiums—$876. On the other hand, the highest premiums are paid by married drivers with one driving ticket. Insurance rates for this cohort of drivers start at $2,669.
This analysis is based on data published by the California Department of Insurance. For comparing car insurance rates, the vehicle chosen was a Honda Accord, with a yearly mileage of 12,600–15,000 for unmarried drivers. For married drivers, Zimlon used Toyota Prius and Toyota Camry as a reference point, with a yearly mileage of 9,000–16,000.
Car insurance policies usually include certain discounts for multi-car insurance, multi-policy-credits, etc. One insurance holder in the city said, “My husband and I make sure that we thoroughly research available discounts offered by providers, before choosing insurance for our cars.” The multi-policy credits owned by insurance holders researched by Zimlon, ranged from 0% to 15.7%. The multi-car discounts ranged from 0% to 27%.
Everest National offers the cheapest insurance rate at $876 for the above mentioned cohorts. It also offers the second-cheapest premium at $1,094 for single male drivers with a clean driving record, as well as for single female drivers with a history of one accident and one driving ticket. The cohort of married drivers with one driving ticket usually pay expensive premiums, which starts at $2,669, offered by Metromile.
Viking insurance company offers the most expensive premiums for all eight driver cohorts. It offers the most expensive premium, at $19,504, for single male drivers with one driving ticket and one accident. It offers the second-most expensive premium at $12,793 for single male drivers with a history of no accidents and one driving ticket. The third most expensive rate is for married drivers with a history of one driving ticket, at $10,131.
The following chart provides a comparison of prices for key cohorts of Westminster, California.
The table below lists the insurance premiums for each driver cohort, along with the companies offering them. It also lists the potential savings that drivers can make by calculating the difference between the 75th and 25th percentile premiums.
| Cohort | Cheapest car insurance companies in Westminster, CA | Most expensive car insurance companies in Westminster, CA | Car insurance companies offering median premiums in Westminster, CA | 25th percentile of car insurance premiums in Westminster, CA | 75th percentile of car insurance premiums in Westminster, CA | Dollar difference between 25th and 75th percentiles | Percentage difference between 25th and 75th percentiles |
|---|---|---|---|---|---|---|---|
| Single male drivers with one driving ticket and one accident | Everest National ($1,094) | Viking ($19,504) | Anchor General ($5,965) | Nationwide ($4,212) | Nationwide ($8,338) | $4,126 | 97.96% |
| Single female drivers with one accident and one driving ticket | Everest National ($1,094) | Viking ($9,594) | Farmers ($4,930) | Horace Mann Prop and Casualty ($3,513) | Safeway ($5,981) | $2,468 | 70.25% |
| Single male drivers with a history of no traffic violations | Everest National ($876) | Viking ($10,492) | National General / Integon ($2,845) | Horace Mann ($2,168) | Coast National ($4,232) | $2,064 | 95.2% |
| Single male drivers with one driving ticket | Everest National ($876) | Viking ($12,793) | California Capital ($3,422) | Mercury ($2,738) | IDS ($4,654) | $1,916 | 69.98% |
| Married drivers with one driving ticket | Metromile ($2,669) | Viking ($10,131) | Amica Mutual ($4,867) | Western General ($4,049) | AAA ($5,923) | $1,874 | 46.28% |
| Married drivers with a history of no traffic violations | Metromile ($2,081) | Viking ($8,310) | Western General ($3,527) | Progressive West ($2,874) | 21st Century ($4,148) | $1,274 | 44.33% |
| Single female drivers with one driving ticket | Everest National ($876) | Viking ($6,293) | Federal Ins (CHUBB)($3,100) | Pacific Property & Casualty ($2,338) | Infinity ($3,384) | $1,046 | 44.74% |
| Single females with a history of no traffic violations | Everest National ($876) | Viking ($6,194) | Federal Ins (CHUBB) ($2,447) | Amica Mutual ($1,923) | IDS ($2,834) | $911 | 47.37% |
Factors that can influence the cost of car insurance in Westminster, 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.
- Westminster, CA Auto Insurance Rates
- Westminster, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Westminster, CA
- Multi Vehicle Insurance Savings in Westminster, CA
- How Credit Score Affects Car Insurance Rates in Westminster, CA
- How DUI Affects Auto Insurance Premiums in Westminster, CA
- Top Auto Insurance Agents Near Westminster, CA
- How Driving Violations Affect Auto Insurance Rates in Westminster, CA
- Westminster, CA Auto Insurance Discounts on Anti Theft Feature
- Westminster, CA Auto Insurance Company Reviews
Westminster, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Westminster, CA with that of other cities in and around Westminster.
| Westminster | Midway City | North Coast | Stanton | Garden Grove | Fountain Valley | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,595 | $1,904 | $1,981 | $1,604 | $1,638 | $1,511 |
Westminster, 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 Westminster, 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) |
|---|---|---|
| Westminster | $1,185 | $1,001 |
| Midway City | $1,909 | $1,612 |
| Garden Grove | $1,760 | $1,487 |
| Stanton | $1,566 | $1,322 |
| Fountain Valley | $1,640 | $1,385 |
| Huntington Beach | $2,065 | $1,744 |
| North Coast | $1,592 | $1,345 |
| Seal Beach | $1,495 | $1,262 |
Westminster, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Westminster, 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 | $5,176 |
| 20 Years | $2,049 |
| 30 Years | $1,579 |
| 40 Years | $1,519 |
| 50 Years | $1,406 |
| 60 Years | $1,426 |
| 70 Years | $1,660 |
Westminster, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Westminster, 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 | $2,712 | $479 |
| 3 Vehicles | $4,067 | $718 |
| 4 Vehicles | $5,423 | $957 |
Savings on 2 Vehicles bundle:$479
Savings on 3 Vehicles bundle:$718
Savings on 4 Vehicles bundle:$957
Westminster, 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 Westminster, CA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Westminster | $1,595 | $3,927 |
| Midway City | $1,904 | $4,688 |
| Garden Grove | $1,638 | $4,033 |
| Stanton | $1,604 | $3,949 |
| Fountain Valley | $1,511 | $3,720 |
| Huntington Beach | $1,427 | $3,514 |
| North Coast | $1,981 | $4,878 |
| Seal Beach | $1,854 | $4,565 |
Westminster, 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) | $1,368 |
| Excellent (740-799) | $1,562 |
| Good (670-739) | $1,662 |
| Average (580-669) | $2,168 |
| Poor (300-579) | $2,602 |
Westminster, 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 |
|---|---|---|---|
| B & T Insurance And Financial Services Inc | Nationwide | 9842 Bolsa Ave STE 204, Westminster, 92683 | (714) 531-3100 |
| Monica Drevon | State Farm | 3740 S Bristol St, Santa Ana, 92704-7312 | 714-966-2679 |
| F W Howland Insurance Inc | Travelers | 1423 MARCELINA AVEUNIT 1, TORRANCE, 90501 | 562-494-2000 |
| Dave Yarbrough | State Farm | 18351 Beach Blvd Ste B, Huntingtn Beach, 92648-1346 | 714-465-2544 |
| Mark Reese | State Farm | 8130 McFadden Avenue, Westminster, 92683-7100 | 714-895-3022 |
| Murvay Insurance Services Inc | Travelers | 3991 MACARTHUR BLVD STE 400, NEWPORT BEACH, 92660 | 949-333-0892 |
| Murvay Insurance Services Inc | Travelers | 3991 MACARTHUR BLVD STE 400, NEWPORT BEACH, 92660 | 949-333-0892 |
| Kevin Kuwae | State Farm | 18533 S Western Avenue, Gardena, 90248-3830 | 310-516-3900 |
Westminster, 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 | +$70 | $1,665 |
| Driver's Failure In Showing Documents | +$155 | $1,750 |
| Driving With An Expired Registration | +$164 | $1,759 |
| Driving At A Considerably Slow Pace | +$346 | $1,941 |
| Using A Cellphone While Driving | +$365 | $1,960 |
| Running A Red Light | +$372 | $1,967 |
| Speeding | +$391 | $1,986 |
| Driving A Vehicle Without The Required Permission | +$496 | $2,091 |
| Driving With An Expired/Suspended License | +$1,075 | $2,670 |
Westminster, 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 | $1,531 |
| Active Disabling Device | $1,531 |
| Tracking Device | $1,499 |
| Passive Disabling Device | $1,483 |
Latest Auto Insurance Reviews in Westminster, CA | Back to Top
GeicoGeico is very easy to work with.I do not usually need to be on hold for long. They processed my claims quickly and efficiently. They offered accident forgiveness for the first claim.
GeicoI really like the customer service because provides reliable and great support system
Progressiveyes, i could recommend to my friends and relatives to this company and polices. it could help others too. they are unique.
GeicoWhat I really like about the customer support of my insurance company is that they will make sure that you have a full understanding of what is going on before you leave the phone call.
AaaAAA is great for customer service. They always have great people working to make sure everyone is taken care of properly, and have never had issues trying to get ahold of them.
Encompass InsuranceI dislike that I had to sign up for automatic bank draft on my premiums to get the lower rate, and that the local agent is this bible-thumping asshole that used to be the obnoxious area general manager for a pizza chain I worked at.
State FarmI currently get a safe driving discount, bundle discount, ten-year accident-free discount. I trust my agent and her group, they have had my back and earned my business
EsuranceI can either call or use email to contact the company. They also have a website to access information about my account.