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Best Local Car Insurance Agencies in Carlsbad

2024

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Providers

Last updated:

Website
640 Grand Avenue, Carlsbad, CA 92008

Why choose this provider?

John Harold Altenbern is a Farmers Insurance agent who has been assisting his clientele throughout California and Nevada in identifying their ideal insurance option for over three decades. A Carlsbad resident for 25 years, he also offers car insurance policies that can include liability, property, and medical coverages to protect against financial loss in the event of an accident. When not in the office, he sponsors local high schools, charities, and food drives.

License Verified:

License: 0780527

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (13)
Yelp
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6150 Yarrow Drive, Carlsbad, CA 92011
  • Multiple Carriers
  • Motorcyle & ATV
  • Boats
  • RV & Motorhome

Why choose this provider?

Harding Insurane Agency, Inc., is a local insurance provider that services the Carlsbad metro. It specializes in offering auto insurance plans. When an accident happens, policyholders with auto coverages can be provided with road assistance and be protected from medical expenses, injuries, collisions, comprehensive risks, and uninsured motorists. Its local agents help clients shop for the right insurance policy from its multiple insurance partners. Harding Insurance Agency does not believe in “one size fits all”—it strives to find the coverage that best fits its clients' needs.

License Verified:

License: 0F09658

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.7 / 5 (13)
Yelp
4.0 / 5 (5)
Facebook
4.7 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1938 Kellogg Avenue, Carlsbad, CA 92008
  • Multiple Carriers

Why choose this provider?

Pacific Edge Insurance Agency is an independent agency in Carlsbad that offers auto insurance services to individuals and businesses in the neighboring areas. Car insurance plans protect a car, a truck, or classic auto against damages and financial losses that are associated with events such as accidents and theft. Recognizing that every situation is different, Pacific Edge agents shop a number of insurance carriers to provide customized insurance plans suited to clients' needs and budgets.

License Verified:

License: 0C08147

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2318 Pio Pico Drive, Carlsbad, CA 92008
  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Why choose this provider?

Serving residents of Carlsbad and the surrounding areas, Dave Miller Insurance is an independently owned and locally operated agency that screens multiple providers to provide suitable insurance policies for its clients. Offering personalized services according to clients' specific needs, the company provides business, life, property, and vehicle insurance. In addition to autos, the agency also provides coverage for water equipment such as boats, motorhomes, recreational vehicles, motorcycles, and collector cars. The agency has over 30 years of insurance experience.

License Verified:

License: 0654812

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2216 El Camino Real, Oceanside, CA 92054
  • Multiple Carriers

Why choose this provider?

All Access Insurance Services, LLC, is a car insurance agency serving in Carlsbad and the surrounding areas. The company's team of insurance agents offers competitively priced insurance plans for automobiles, motorcycles, recreational vehicles, and SUVs. All Access Insurance Services, LLC, is committed to providing its clients with insurance programs that suit its client's budget and preferences. In addition, the agency's customers can request auto quotes via the company's website, phone calls, and in-person.

License Verified:

License: 0D69251

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (13)
Yelp
5.0 / 5 (8)
Facebook
4.3 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6965 El Camino Real, Carlsbad, CA 92011
  • Multiple Carriers

Why choose this provider?

McKinzie Insurance Agency, Inc., provides auto insurance policies through their office in Carlsbad. It offers coverage options such as collision for accidents and comprehensive for natural or man-made events. It also handles policies for a variety of personal and business lines. With the tagline "Protecting the Planet," it specializes in insurance policies for environmental and sustainability companies. The independent local agency strives to understand each specific need of its diverse client base and helps to personalize coverage.

License Verified:

License: 0D98034

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (5)
Google
4.0 / 5 (1)

Website
5650 El Camino Real, Carlsbad, CA 92008
  • Motorcyle & ATV

Why choose this provider?

NCPA Insurance Services is a Carlsbad-based company that offers personal and business insurance solutions. The agency serves clients in different areas, including auto insurance. Its team provides car insurance policies that include medical, liability, and property coverage which compensates for vehicle damage or theft. The insurance advisors review plans from multiple carriers such as Kemper, Foremost Insurance Group, Infinity Insurance, MAPFRE Insurance, and Mercury. NCPA Insurance Services is a family-owned and operated business that has been in operation since 1991.

License Verified:

License: 0I11875

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.7 / 5 (49)
Yelp
4.0 / 5 (36)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3025 Cadencia Street, Carlsbad, CA 92009
  • Multiple Carriers
  • Motorcyle & ATV

Why choose this provider?

KIAC Insurance Agency is a team of insurance brokers serving Carlsbad and its surrounding communities. This family-owned company partners with different insurance carriers, including Progressive, Travelers, and Mercury, to meet clients' requirements. Its insurance professionals provide insurance solutions for cars and commercial automobiles. CEO and founder Bob Kipper is an air force veteran with a background in business management. He also serves as vice president of the Honorary Deputy Sheriffs Association, an organization supporting sheriffs in San Diego county.

License Verified:

License: 0E67716

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5814 Van Allen Way, Carlsbad, CA 92008
  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

Why choose this provider?

Brightway Insurance is an all-around insurance company that provides auto insurance solutions to motorists in Carlsbad and surrounding areas. The independent insurance agency guides customers in choosing the right car insurance policies akin to their needs. Its agents partner with multiple carriers to provide auto coverages for physical damage, liabilities to bodily injury and property damages, personal injury, medical payments, collisions, and comprehensive coverages. They also offer insurance policies for motorcycles, RVs, and boats. The company values long-term relationships with customers and providers alike.

License Verified:

License: 0L52265

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (17)
Yelp
5.0 / 5 (10)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
2424 Vista Way, Oceanside, CA 92054
  • Bundling Option

Why choose this provider?

Luke Dix is a State Farm insurance agent that offers personal and business lines to clients in the Carlsbad metro and the surrounding communities. Luke provides auto insurance policies that financially safeguard clients and their vehicles from collisions and physical damages. He also reimburses rental expenses during the repair or replacement period. Luke is California homegrown and started his State Farm insurance agency in Oceanside back in 2008. He and his team offer 24/7 customer service.

License Verified:

License: 0D78883

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.5 / 5 (29)
Yelp
4.0 / 5 (19)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3146 Tiger Run Court, Carlsbad, CA 92010
  • Multiple Carriers

Why choose this provider?

Ken May Insurance is a full-service insurance company that serves Carlsbad and nearby communities. Established in 2003, the locally owned firm assists individuals, families, and businesses to resolve their financial struggles that involve their vehicles through an auto insurance policy. Its independent insurance agents represent multiple carriers that can provide basic coverage options like liability, collision, and comprehensive. They also offer tailored policies that can cover medical expenses, roadside assistance, and uninsured motorists. The company has a strong commitment to serve its community.

License Verified:

License: 0665227

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (45)
Yelp
5.0 / 5 (7)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Does Carlsbad have a law addressing catalytic converter theft?

    Yes, Carlsbad is the first city in San Diego County to enact legislation to combat catalytic converter theft. It is illegal to have a detached catalytic converter without proof of vehicle ownership, according to the law. The city also implemented anti-theft measures, such as a program that allows vehicle owners to engrave the number of their license plates on the surface of their catalytic converters.

  • Has there been problems securing car insurance in Carlsbad recently?

    Yes, as reported by KCAL News, several major auto insurance carriers have recently pulled their operations from the state. This is because it is more expensive for these carriers to insure drivers in the state than it is to make a profit. As a result, Carlsbad car owners may encounter difficulties such as getting policy renewals or having to pay premiums in full.

  • What is the BAC limit in Carlsbad?

    It is illegal to have the following BAC:

    • 0.08% for drivers aged 21 years old or more
    • 0.01% for drivers aged 20 years old or less
    • 0.04% for commercial vehicle drivers Even if your BAC is less than the above-mentioned limit, you can be arrested or charged with DUI in Carlsbad and throughout the state.
  • Are you required to have Uninsured/Underinsured Motorist (UM/UIM) coverage in Carlsbad?

    Uninsured/Underinsured Motorist (UM/UIM) coverage is required by Carlsbad insurance companies, but you can opt out by signing a waiver. You are declaring on this form that you were offered coverage but declined it. This coverage typically protects you if you are involved in an accident with a driver who has little to no insurance.

  • Can you still insure Hyundai and Kia vehicles in Carlsbad?

    Possibly. The California Department of Insurance announced in March 2023 that the good driver law, or Insurance Code 1861.02, will protect consumers from insurance problems involving Hyundai and Kia vehicles. This law requires insurance companies to provide discounts to good drivers regardless of vehicle make. Because of the vulnerability of certain Hyundai and Kia models to theft, several major insurance carriers have stopped issuing new policies or raised rates in some states.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

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