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How much is car insurance in Vallejo?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Vallejo is about $6 cheaper than it is in the rest of California.
Likewise, car insurance rates in Vallejo are more affordable than the national average. It's about $30 cheaper than the national average to insure your vehicle in Vallejo.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies take an array of factors into consideration when determining 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 premium.
Don't sweat it however, we've broken down average rates for Vallejo residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Vallejo may see their rates start to rise again once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Vallejo, although women do pay slightly less on their monthly premiums, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Vallejo, having a single accident on your record will usually get you rates around $63 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $140.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$54|
|15 Years or Older||$45|
If you look at the first table above, you'll see that SUVs, trucks, and vans are by and large the cheapest vehicles to insure in Vallejo, with drivers paying around $47 per month for auto insurance coverage.
Car owners, meanwhile, pay on average $51 per month for insurance.
The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In Vallejo, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$53|
Generally speaking, those who have settled down into marriage 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.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Vallejo as well, where the difference is around $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$82|
One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $4 a month more than if you own your own home in Vallejo. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Vallejo, CA
Recent trends in car insurance for Vallejo drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Car insurance rates in Vallejo remained fairly steady, although more recently they have been trending downwards. They finished down in 2021 at $43.
How does Vallejo compare to neighboring areas?
Why are car insurance rates in Vallejo different from other areas?
Car insurance companies will take into account many factors when they're choosing how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Road Safety (total number of local car accidents)
- Prevalence of crime
- Availability of off-street parking
- Total number of drivers in the area
- Local laws
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Vallejo?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Vallejo.
Vallejo Insurance FAQs
What factors affect car insurance quotes in Vallejo?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Vallejo different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Vallejo?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Vallejo?
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 Vallejo 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.