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What's the average car insurance rate in Tracy?

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

Table of contents:

Tracy auto insurance premiums by insurer

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.

Auto insurance premiums by age in Tracy

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.

Tracy auto insurance premiums by gender and marital status

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.

Tracy auto insurance costs by incident history

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.

Tracy auto insurance rates by credit score

California is one of several U.S. states that does not allow insurers to use credit as a rating factor.

Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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.