Car insurance costs an average of $149 each month in Tracy. Learn more about how rates are set or enter your ZIP to compare quotes.
The average cost of car insurance in Tracy, California, is $1,799 per year. That's less than the California average ($1,868) and more expensive than the U.S. average of $1,548. Continue reading to learn how much you can expect to pay for insurance based on your marital status, age, credit score and other factors in Tracy.
| Tracy Average (yearly) | California Average | National Average |
| $1,799 | $1,868 | $1,548 |
Getting quotes from a number of different companies is the best way to find good coverage at a price that fits your budget. For a typical driver, GEICO offers Tracy's most affordable premiums. We've gathered the best cheap car insurance companies in Tracy below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.
| Insurance Company | Average Annual Rate |
| GEICO | $1,246 |
| AAA | $1,377 |
| Mercury | $1,450 |
| CSAA | $1,784 |
| Alliance | $1,867 |
Consult our expert guide to finding the best cheap car insurance.
The age group that pays the least for car insurance in Tracy are drivers in their 60s ($1,613 per year). Drivers in their 50s pay marginally higher rates — $1,614 per year.
Young drivers aged 16 to 19 pay the most for car insurance in Tracy. One of the easiest ways to lower your car insurance rates as a driver in Tracy is to age out of your teenage years. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Tracy is $3,408. That's the biggest gap in premiums between any pair of age brackets.
| Age | Average Yearly Rate |
| Teens | $5,954 |
| 20s | $2,546 |
| 30s | $1,750 |
| 40s | $1,699 |
| 50s | $1,614 |
| 60s | $1,613 |
| 70s | $1,859 |
Learn more about the impact of age on car insurance premiums.
In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. Married drivers in Tracy pay $73 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 influence auto insurance rates. In Tracy, female drivers pay $4 per year more than do male drivers.
| Gender/Marital Status | Average Annual Rate |
| Female | $1,803 |
| Male | $1,799 |
| Single | $1,799 |
| Married | $1,726 |
| Divorced | $1,799 |
| Widowed | $1,751 |
Learn more about how gender and marital status have on car insurance rates.
Keeping a clean driving record is an effective way to minimize your insurance rates. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Tracy, a reckless driving citation results in an average insurance rate increase of $3,007 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $2,891 increase, and a speeding ticket brings about a $738 rate hike.
| Incident | Average Yearly Rate |
| DUI/DWI | $4,690 |
| Reckless Driving | $4,806 |
| At-fault Accident (damages < $1,000) | $1,808 |
| At-fault Accident (damages greater than $2,000) | $3,177 |
| Speeding Ticket (16-20 mph over speed limit) | $2,537 |
Learn more about the impact of driving violations on car insurance rates.
California is one of several U.S. states that does not allow insurers to use credit as a rating factor.