Tracy, CA Car Insurance

On average, drivers in Tracy pay around $58 per month for their car insurance. Learn more in our handy guide below.
What rates can residents of Tracy expect to pay for their car insurance? How do rates in Tracy measure up compared to neighboring areas, including California as a whole? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Tracy?

Area Average Monthly Car Insurance Premium
Tracy$58
CA$56
United States$80

Based on the chart above, you can see that auto insurance rates in Tracy are in line with rates across the rest of California.

However, when compared to the national average, the cost for auto insurance in Tracy is lower. It's about $22 cheaper than the national average to insure your vehicle in Tracy.

While these numbers represent the average monthly payments for coverage in Tracy, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.

We've analyzed the average rate for Tracy and broken down the different factors to help you understand what your policy's monthly premium will be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$172
18-24$88
25-34$50
35-44$41
45-54Not Enough Data
55-64$39
65+$44

It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.

You can expect to see your monthly premium drop every 10 years or so. You may see your rates climb back up a bit once you hit retirement age in Tracy.

Average Car Insurance Rates by Gender

Gender Average
Male$59
Female$55

On average, female drivers pay slightly less than male drivers for car insurance. In Tracy, the difference is around $4 per month. Based on the chart above, you can see that female drivers pay around $55 on average, while male drivers typically pay $59 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$63
Multiple Accidents$85
1 Ticket$84
Multiple Tickets$64

Your rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. The rate for drivers in Tracy with a single accident on their record is about $63 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $84 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$62
2-3 Years$55
4-5 Years$45
6-7 Years$68
8-10 Years$55
11-14 Years$60
15 Years or Older$57

The cheapest vehicles to insure in Tracy are typically trucks and vans, with each type typically costing about $51 per month.

SUV drivers will see rates of about $60, while the rates for car owners average out to about $58 a month.

In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Tracy, vehicles six-to-seven years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$64
Married$46
Divorced$42
Widowed$42

Overall, married policyholders will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

The difference in rates based on relationship status in Tracy can be as much as $18 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$51
Rent$53
Live with parents$78

Your housing situation is another component of how insurance companies calculate your monthly rate. Homeowners in Tracy can expect to pay around $2 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Tracy, CA

Recent trends in car insurance for Tracy drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

The cost of auto insurance in Tracy went up from 2016-2018, before steadying out in 2019. Rates finished down in 2021, at $45 per month

How does Tracy compare to neighboring areas?

Why are car insurance rates in Tracy different from other areas?

When considering how much to charge for coverage, car insurance companies will review a number of factors. Your insurance policy will depend largely on where you call home and will be influenced by things such as:

  • Laws
  • Regional crime rates
  • Off-street parking accessibility
  • Amount of drivers in the region
  • Rate of car accidents

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Tracy?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Luckily, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer coverage in Tracy.

Compare the cheapest quotes from dozens of insurance companies

Tracy Insurance FAQs

What factors affect car insurance quotes in Tracy?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your address, credit score, driving record, and marital status.

Why is the cost of car insurance in Tracy different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Tracy?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Tracy?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Tracy or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes