Vacaville, CA Car Insurance

Auto insurance costs an average of $145 per month in Vacaville. If you're paying too much, compare rates and save.

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How much does car insurance cost in Vacaville?

 

The average cost of auto insurance in Vacaville is $1,741 per year. That's less than the California average ($1,868) and more expensive than the national 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 Vacaville.

 
VACAVILLE CAR INSURANCE RATES
Vacaville Average (annual)California AverageUnited States Average
$1,741$1,868$1,548
 
Table of contents:
 

Vacaville car insurance rates by insurer

 

One of the most important determinants of your car insurance rates is the insurance company you work with. In Vacaville, GEICO offers the cheapest rates for the average insurance customer. We've listed the best cheap car insurance companies in Vacaville below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.

 
VACAVILLE CAR INSURANCE RATES BY COMPANY
CompanyAverage Annual Rate
GEICO$1,187
Mercury$1,408
AAA$1,607
CSAA$1,643
Farmers$1,728
 

Check out our guide to learn how to find the best cheap car insurance.

 
 

Vacaville car insurance premiums by age

The age group that enjoys the lowest auto insurance rates in Vacaville are drivers in their 50s, who pay an average of $1,568 per year. Those in their 60s don't pay much more ($1,576).

Teenage drivers pay Vacaville's most expensive insurance rates. When Vacaville drivers hit their 20s, their insurance rates drop substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Vacaville is $3,223, the largest such difference between any two age groups.

 
VACAVILLE CAR INSURANCE PREMIUMS BY DRIVER AGE
Age bracketAverage Annual Rate
Teenagers$5,674
20s$2,451
30s$1,690
40s$1,640
50s$1,568
60s$1,576
70s$1,817
 

Find out more about how age affects auto insurance rates.

 
 

Vacaville auto insurance rates by gender and marital status

 

In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In Vacaville, married drivers pay $72 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims.

Gender is another factor that can influence auto insurance rates. In Vacaville, female drivers pay more for auto insurance than do male drivers: $1 per year, to be precise.

 
VACAVILLE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Yearly Rate
Female$ 1,742
Male$ 1,741
Single$ 1,741
Married$ 1,669
Divorced$ 1,741
Widowed$ 1,691
 

Learn more about the impact gender and marital status have on insurance rates.

 
 

Vacaville auto insurance costs by citation and accident history

 

If you want to keep your car insurance costs reasonable, keep your driving record clean. 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 Vacaville, a reckless driving citation results in an average insurance rate increase of $2,943 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $2,854 increase, and a speeding ticket triggers a $706 rate hike.

 
AVERAGE VACAVILLE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
CitationAverage Yearly Rate
DUI/DWI$4,595
Reckless Driving$4,684
At-fault Accident (damages less than $1,000)$1,748
At-fault Accident (damages greater than $2,000)$3,100
Speeding Ticket (16-20 mph over speed limit)$2,447
 

Learn more about citations' impact on your auto insurance rates.

 
 

Vacaville car insurance costs by credit level

California is one of only a few states in the U.S. that does not allow car insurance companies to price policies based on a driver's credit history.

Compare car insurance rates online today.

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