Chico, CA Car Insurance

Auto insurance costs an average of $131 per month in Chico. If you're paying too much, compare rates and save.

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What is the average cost of car insurance in Chico?


Car insurance coverage costs an average of $1,579 each year in Chico. That's less than the average in California ($1,868) and more expensive than the nationwide average of $1,548. Keep reading to discover more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Chico.


CHICO AUTO INSURANCE PREMIUMS
Chico Average (annual) California Average National Average
$1,579 $1,868 $1,548


Table of contents:


Chico car insurance costs by company


The difference in auto insurance rates from company to company can be substantial. For a typical driver, GEICO offers Chico's cheapest rates. We've listed the best cheap car insurance companies in Chico below. Use this information as a starting point and make sure to seek out quotes specific to your unique driving profile.


CHICO CAR INSURANCE PREMIUMS BY COMPANY
Company Average Annual Rate
GEICO $1,109
Mercury $1,320
CSAA $1,463
Infinity $1,501
Farmers $1,632


Read our guide to finding the best cheap auto insurance.



Chico auto insurance rates by age

Chico drivers in their 50s pay relatively affordable car insurance rates just $1,418 each year, on average. Those in their 60s don't pay much more ($1,420).

Teenage drivers pay Chico's most expensive insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Chico is to age out of your teenage years. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Chico is $2,906, the largest such difference between any two age brackets.


CHICO CAR INSURANCE RATES BY DRIVER AGE
Age bracket Average Annual Rate
Teenagers $5,130
20s $2,224
30s $1,536
40s $1,488
50s $1,418
60s $1,420
70s $1,639


Learn more about the impact of age on auto insurance rates.



Chico car insurance rates by gender and marital status


In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers in Chico pay $71 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations.

Gender is another factor that can affect car insurance rates. In Chico, female drivers pay $1 per year more than do male drivers.


INSURANCE RATES IN CHICO BY MARITAL STATUS AND GENDER
Gender/Marital Status Average Annual Rate
Female $1,580
Male $1,579
Single $1,579
Married $1,508
Divorced $1,579
Widowed $1,531


Read more about the relationships between gender, marital status and insurance rates.



Chico car insurance costs by accident and citation history


Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Chico, a reckless driving citation results in an average insurance rate increase of $2,672 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $2,593 increase, and a speeding ticket brings about a $637 rate hike.


CHICO CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/Violation Average Annual Rate
DWI/DUI $4,172
Reckless Driving $4,251
At-fault Accident (damages less than $1,000) $1,585
At-fault Accident (damages greater than $2,000) $2,781
Speeding Ticket (16-20 mph over speed limit) $2,216


Learn more about the impact of driving violations on car insurance rates.



Chico auto insurance premiums by credit level


California is one of several U.S. states that does not allow insurers to use credit score as a determinant of rates.


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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.