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How much is car insurance in Vallejo?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Vallejo typically costs about $7 a month less than it does in the rest of California.
Similarly, when compared to the national average, the cost for auto insurance in Vallejo is lower. You can expect to pay about $32 less for your policy in Vallejo than in the rest of U.S.
While these are the average car insurance rates for Vallejo, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Vallejo so that you can get a more accurate idea of what your monthly bill might be. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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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 experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance bills. According to the table above, you can see that 18-24-year-olds pay $35 more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, your rates may creep back up in Vallejo.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Vallejo, however, male and female drivers both pay about the same rate 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 clean records can expect to pay significantly less than those with infractions. In Vallejo, having a single accident on your record will usually get you rates around $62 a month. In addition, drivers with one ticket can expect to pay around $79 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. 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||$51|
|15 Years or Older||$45|
According to the first table above, the cheapest vehicles to insure in Vallejo are by and large trucks and vans, at $45 per month.
Car owners, on the other hand, typically pay around $50 a month, while SUV drivers can expect to pay about $48 per month for auto insurance.
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 a few years old, however, you may see your rates begin to drop back down. 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)||$51|
On average, those who are currently married will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Vallejo, with married couples paying about $5 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$79|
Your living situation is another factor that affects your monthly rate. Homeowners in Vallejo 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 said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Vallejo, CA
Recent trends in car insurance for Vallejo drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
The cost of auto insurance coverage in Vallejo decreased steadily from 2017 through the present, where they reached $43 a month in 2022.
How does Vallejo compare to neighboring areas?
Why are car insurance rates in Vallejo different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider numerous factors. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Access to off-street parking
- Total number of drivers in the area
- Rate of car accidents
- Local laws
- Local crime rates
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Vallejo?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Good news! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Vallejo.
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Vallejo Insurance FAQs
What factors affect car insurance quotes in Vallejo?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Vallejo different from other neighboring cities?
Things like parking situations, crime rates, and local laws, 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 Vallejo?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Vallejo?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Vallejo or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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