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How much is car insurance in Vacaville?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Vacaville is about $6 a month cheaper than it is for the rest of California.
Drivers relocating from out of state may enjoy some cost savings in Vacaville. It's about $31 cheaper to insure your vehicle in Vacaville compared to the average rate for the U.S. as a whole.
While these are the average costs to insure your vehicle in Vacaville, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
Don't sweat it however, we've broken down the average rate for Vacaville residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, you may see your rates rise again in Vacaville.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Vacaville, however, the difference in the monthly cost of coverage is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Vacaville with one accident will pay around $60 a month. Similarly, drivers with one ticket will typically pay around $56 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$55|
|15 Years or Older||$48|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Vacaville, with drivers paying around $45 per month for auto insurance coverage.
SUV drivers will see rates of about $50, while the rates for car owners average out to about $51 a month.
Your rates can also vary depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Vacaville, 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)||$54|
Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Vacaville as well, where the difference is around $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$67|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment in Vacaville, expect to pay around $7 a month more than if you own your home. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.
Car Insurance Companies in Vacaville, CA
Recent trends in car insurance for Vacaville drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
In Vacaville, the rates for car insurance had been decreasing from 2017-2018, before leveling out in 2019. Insurance rates finished down in 2022, at $44 per month
How does Vacaville compare to neighboring areas?
Why are car insurance rates in Vacaville different from other areas?
There are many factors car insurance companies take into consideration when deciding how much to charge for coverage. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Prevalence of crime
- Total drivers
- Regional regulations
- Road Safety (frequency of local car accidents)
- Availability of off-street parking
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Vacaville?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer auto coverage in Vacaville.
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Vacaville Insurance FAQs
What factors affect car insurance quotes in Vacaville?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Vacaville different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Vacaville?
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 Vacaville?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Vacaville or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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