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How much is car insurance in Visalia?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $11 a month cheaper to insure your vehicle in Visalia than it is in the rest of California.
Likewise, the expected monthly payments for an auto insurance policy in Visalia are below the national average. Car insurance rates for the United States as a whole are, on average, $36 more expensive than the rates you'd pay in Visalia.
While these numbers are the average rates for auto insurance in Visalia, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
Don't sweat it however, we've broken down average rates for Visalia residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay around $19 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. You may see your rates climb back up once you hit retirement age in Visalia.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. While this isn't true in Visalia, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Visalia with a single accident will pay around $59 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $65.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$56|
|15 Years or Older||$43|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Visalia, with drivers paying around $42 per month for auto insurance coverage.
Car owners will see a monthly bill of about $47, while SUV owners usually pay around $43 per month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. In Visalia, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$46|
Generally speaking, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award 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 Visalia, with married couples paying about $5 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$58|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $4 a month more than if you own your own home in Visalia. But those who live at home with their parents can expect to pay significantly more.
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 car insurance costs.
Car Insurance Companies in Visalia, CA
Recent trends in car insurance for Visalia drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.
In Visalia, the rates for auto insurance dropped from 2017-2020, before steadying out in 2021. Policy premiums finished down in 2022, at $38 a month
How does Visalia compare to neighboring areas?
Why are car insurance rates in Visalia different from other areas?
When considering how much to charge for coverage, car insurance companies will review a lot of factors. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Off-street parking accessibility
- Total number of drivers
- Frequency of car accidents
- Rate of crime
- Local laws
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Visalia?
Arming 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.
But hold on! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Visalia.
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Visalia Insurance FAQs
What factors affect car insurance quotes in Visalia?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Visalia 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 Visalia?
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 Visalia?
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. 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 Visalia 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?
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