Westminster Auto Insurance Rates, Quotes, Agents & Reviews in CA

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.

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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.

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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 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

Geico
Geico 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.
Geico
I really like the customer service because provides reliable and great support system
Progressive
yes, i could recommend to my friends and relatives to this company and polices. it could help others too. they are unique.
Geico
What 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.
Aaa
AAA 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 Insurance
I 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 Farm
I 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
Esurance
I can either call or use email to contact the company. They also have a website to access information about my account.