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Get Cheap Car Insurance in Shoreline West, Mountain View, CA

We monitor insurance prices, helping the average driver in Shoreline West save up to 33.7% on car insurance.

 

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The Cheapest Minimum Coverage in Shoreline West

The chart below shows the cheapest car insurance company in Shoreline West for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.

 
Shoreline West Insurer Monthly Cost
Metromile $52
Geico $59
Progressive $63
Travelers $65

Savings for Every Kind of Shoreline West Driver

The table shows how much the average auto insurance customer in Shoreline West might save by following our recommendations.

Based on our extensive insurance data, we know the average Shoreline West driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $662 per year by choosing the right vehicle insurance company. Some Shoreline West residents are paying out over $2,072 extra every year for auto insurance in Shoreline West. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Shoreline West Car Insurance vs. Mountain View

People living in Shoreline West pay an average of 3.18% more than the typical driver in the state. The average driver in Shoreline West can expect to pay about $970 per year, or $2,072 for full coverage.

Based on our analysis, Metromile will be the cheapest provider in Shoreline West for most people.

Car Insurance Prices by Shoreline West Neighborhood

Shoreline West, Mountain View, CA map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Shoreline West?

The map shows insurance prices in and around Shoreline West, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $223 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,140 to a low of $1,917. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Central parts of Shoreline West.

Pick the Best Car Insurance Company for You in Shoreline West

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Shoreline West insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Shoreline West

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $662 over the average Shoreline West car insurance company.

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We use the average good driver, paying $117 per month, as our baseline for pricing in Shoreline West. Allstate, Metromile, and Esurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Shoreline West drivers with accidents on their records

In Shoreline West getting into an accident will raise premiums an average 44% for a yearly cost of $3,726. That's $1,654 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Travelers, Metromile, and Mercury Insurance are good choices for drivers with accidents.

In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,213 over the competition.

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The best car insurance company for Shoreline West drivers with speeding tickets

>Metromile gave the average person with a speeding ticket the most savings, averaging $960 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Shoreline West, tickets raise premiums on new quotes about $1,051. If you have a speeding ticket, we recommend Geico, Metromile, and Mercury Insurance for savings that beat the average insurance cost of $3,123 per year.

The best auto insurance for Shoreline West drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $5,247 per year in auto insurance premiums, which was $3,175 more than a driver with no major issues. Progressive, Travelers, and Mercury Insurance penalized their customers the least for a DUI.

Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,686 less each year.

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The least expensive car insurance company for new and young drivers in Shoreline West

In Shoreline West, State Farm costs young drivers $866 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 62% more for insurance than more mature drivers in Shoreline West. With an average cost of $5,497 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Mercury Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Shoreline West

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $205. Geico, Progressive, and Mercury Insurance provided the largest discounts to couples living in Shoreline West.

Progressive gave the largest car insurance discounts to married couples, averaging $376 saved each year compared to an average Shoreline West couple's premiums.

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The cheapest car insurance in Shoreline West for drivers with bad credit

The state of California does not allow companies to use credit score to figure out premiums, so the prices are unchanged regardless of credit score

The best Shoreline West car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Shoreline West, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks American Family Insurance as the best provider in Shoreline West.

Nationwide was the best company for customer service in Shoreline West according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Shoreline West, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Shoreline West. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Shoreline West

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 87% of Shoreline West residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Allstate tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Shoreline West driver can expect to pay about $129 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Shoreline West, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.
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Auto Insurance Prices in and Around Shoreline West

What Influences the Cost of Car Insurance in Shoreline West?

On average, car insurance in Shoreline West is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Shoreline West is 33 minutes, which is about the national average for a driver in the city.
  • California state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Shoreline West are lower than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
  • Shoreline West is one of the least populated areas in the state. The neighborhood’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Shoreline West is $81 per month for minimum coverage and $173 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Shoreline West driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Shoreline West with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.