Auto Insurance in Apple Valley (92308)
California · Below Average · 48th percentile statewide
Carrier Rates in 92308
6-month premiums from SERFF rate filings. Standard driver profile.
How 92308 Compares
Apple Valley (92308) is below average for auto insurance in California, ranking in the 48th percentile.
The cheapest carrier is USAA at $520/6mo — 69% less than the most expensive (State Farm at $1,670).
The median premium of $909 is 0% below the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Apple Valley (92308)?
The median 6-month premium in Apple Valley (92308) is $909 across 9 carriers. Premiums range from $520 to $1,670, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 92308?
USAA offers the lowest rate in 92308 at $520/6mo. That's 69% less than the most expensive option (State Farm at $1,670/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance below average in 92308?
Auto insurance rates in Apple Valley (92308) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Apple Valley ranks in the 48th percentile statewide, meaning it's below average compared to other California ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in California
Want full rate data for 92308?
Access ZIP-level rate data across all 9 carriers, 1,745 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.