Table of contents
How much is car insurance in Visalia?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $11 a month cheaper to insure your vehicle in Visalia than it is in the rest of California.
Similarly, car insurance rates in Visalia are often favorable when viewed against the rest of the country. You can expect to pay about $35 below the national average for auto insurance in Visalia.
While these numbers represent the average monthly payments for coverage in Visalia, that doesn't mean it's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But worry not, we've done the heavy lifting and broken down the average rate for Visalia to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay $22 more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates climb back up a bit once you hit retirement in Visalia.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Visalia, however, male and female drivers both pay about the same rate for insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Visalia with one accident will pay around $57 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $84.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$61|
|15 Years or Older||$43|
According to the first table above, the cheapest vehicles to insure in Visalia are by and large trucks and vans, at $41 per month.
Car owners, on the other hand, usually pay around $46 a month, while SUV drivers can expect to pay about $43 per month for auto insurance coverage.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Visalia, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$45|
Generally, those who have settled down into marriage will pay slightly less to insure their car. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Visalia can be as much as $4 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$58|
One other element taken into consideration is your housing situation. Renters can expect to pay around $3 a month more than those who own their own home in Visalia. 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 car insurance costs.
Car Insurance Companies in Visalia, CA
Recent trends in car insurance for Visalia drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
The cost of car insurance coverage in Visalia dropped from 2018-2020, before leveling out in 2021. Insurance rates finished down in 2021, at $42 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 a monthly rate, car insurance companies will consider a lot of factors. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Off-street parking accessibility
- Road Safety (how many accidents each locality has)
- Regional laws
- Rate of crime
- Amount of drivers in the region
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. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Visalia?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Visalia.
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 age and gender, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Visalia different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, 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 Visalia?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Visalia or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.