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How much is car insurance in Vacaville?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Vacaville is about $5 cheaper than it is in the rest of California.
If you're thinking of moving to Vacaville from out of state, you may still be in luck. It's about $29 cheaper to insure your vehicle in Vacaville compared to the average rate for the U.S. as a whole.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
Don't sweat it however, we've broken down average rates for Vacaville residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may climb back up in Vacaville.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. Male and female drivers in Vacaville, however, both pay around $51 a month for auto insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. Drivers in Vacaville with a single accident will pay around $61 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $64.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$55|
|15 Years or Older||$49|
As you can see in the first table above, the cheapest vehicles to insure in Vacaville are by and large trucks and vans, which run about $44 per month.
Car owners can expect to pay an average of around $52 a month for their policy, while SUVs usually cost around $51 a month to insure.
Vehicle age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Vacaville are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$55|
Generally, those who have settled down into marriage will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The cost of auto insurance in Vacaville reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$68|
Your housing status is another component of how insurance companies calculate your monthly rate. In Vacaville, homeowners can expect to pay around $8 a month less than those who rent. Those who live with their parents, however, 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 Vacaville, CA
Recent trends in car insurance for Vacaville drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
The cost of auto insurance coverage in Vacaville rose from 2016-2017, before leveling out in 2018. Insurance rates finished up in 2021, at $57 per month
How does Vacaville compare to neighboring areas?
Why are car insurance rates in Vacaville different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:
- Local regulations
- Availability of off-street parking
- Frequency of car accidents
- Amount of drivers in the region
- Local crime rates
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 cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Vacaville?
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.
Don't worry, Compare.com can handle all of this for you. Enter your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies that offer coverage in Vacaville.
Vacaville Insurance FAQs
What factors affect car insurance quotes in Vacaville?
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 age and gender, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Vacaville different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Vacaville?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Vacaville?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Vacaville or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?