By: Madhu Bolagani Nov, 26,2018

In its recent analysis of car insurance policies in Westminster, California, Raltin 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, Raltin 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 Raltin, 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.

CohortCheapest car insurance companies in Westminster, CAMost expensive car insurance companies in Westminster, CACar insurance companies offering median premiums in Westminster, CA25th percentile of car insurance premiums in Westminster, CA75th percentile of car insurance premiums in Westminster, CADollar difference between 25th and 75th percentilesPercentage difference between 25th and 75th percentiles
Single male drivers with one driving ticket and one accidentEverest National ($1,094)Viking ($19,504)Anchor General ($5,965)Nationwide ($4,212)Nationwide ($8,338)$4,12697.96%
Single female drivers with one accident and one driving ticketEverest National ($1,094)Viking ($9,594)Farmers ($4,930)Horace Mann Prop and Casualty ($3,513)Safeway ($5,981)$2,46870.25%
Single male drivers with a history of no traffic violationsEverest National ($876)Viking ($10,492)National General / Integon ($2,845)Horace Mann ($2,168)Coast National ($4,232)$2,06495.2%
Single male drivers with one driving ticketEverest National ($876)Viking ($12,793)California Capital ($3,422)Mercury ($2,738)IDS ($4,654)$1,91669.98%
Married drivers with one driving ticketMetromile ($2,669)Viking ($10,131)Amica Mutual ($4,867)Western General ($4,049)AAA ($5,923)$1,87446.28%
Married drivers with a history of no traffic violationsMetromile ($2,081)Viking ($8,310)Western General ($3,527)Progressive West ($2,874)21st Century ($4,148)$1,27444.33%
Single female drivers with one driving ticketEverest National ($876)Viking ($6,293)Federal Ins (CHUBB)($3,100)Pacific Property & Casualty ($2,338)Infinity ($3,384)$1,04644.74%
Single females with a history of no traffic violationsEverest National ($876)Viking ($6,194)Federal Ins (CHUBB) ($2,447)Amica Mutual ($1,923)IDS ($2,834)$91147.37%


ABOUT THE AUTHOR

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Madhu Bolagani

Madhu is a data analyst and engineer at Raltin. His writings are driven by deep data mining and connecting the dots. His areas of expertise include finance, insurance and investing.

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