Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

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 Average (annual) California Average United 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.

Company Average 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.

Age bracket Average 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.

Marital Status/Gender Average 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.

Citation Average 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.

Location pin icon
glyph-shield-checkmark No junk mail. No spam calls. Free quotes.
Ross Martin photo
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross has spent the last three years with The Zebra researching and writing insurance content aimed at helping shoppers make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

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.