Vallejo, CA Car Insurance

Explore average premiums in Vallejo and the best ways to save on auto insurance.

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What's the average car insurance rate in Vallejo?

 

The average car insurance rate in Vallejo, California, is $1,965 per year. That's more than the average in California ($1,868) and more expensive than the national average of $1,548. Our guide to car insurance in Vallejo — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.

 
VALLEJO AUTO INSURANCE PREMIUMS
Vallejo Average (yearly)California AverageUnited States Average
$1,965$1,868$1,548
 
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Vallejo car insurance premiums by provider

 

The difference in auto insurance rates from company to company can be substantial. In Vallejo, GEICO provides the most affordable rates for the typical insurance customer. We've gathered the best cheap car insurance companies in Vallejo below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.

 
VALLEJO CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage Yearly Rate
GEICO$1,321
Mercury$1,586
AAA$1,688
Allstate$1,996
CSAA$2,018
 

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

 

Vallejo car insurance premiums by age

Vallejo drivers in their 50s pay relatively affordable car insurance rates just $1,771 each year, on average. Drivers in their 60s pay marginally higher rates — $1,772 per year.

Young drivers aged 16 to 19 pay the most for car insurance in Vallejo. When drivers hit their 20s in Vallejo and move out of the teenage age bracket, they reduce their premiums substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Vallejo is $4,351. That's the biggest gap in premiums between any pair of age brackets.

 
CAR INSURANCE RATES BY AGE TIER IN VALLEJO
AgeAverage Annual Rate
Teenagers$7,267
20s$2,915
30s$1,911
40s$1,849
50s$1,771
60s$1,772
70s$2,060
 

Learn more about the impact of age on car insurance premiums.

 

Vallejo car 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. Married drivers usually pay less for car insurance than their single counterparts. In Vallejo, married motorists pay $77 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Vallejo, single drivers pay more than those who are widowed.

Gender is another factor that can impact auto insurance costs. In Vallejo, female drivers pay $5 more per year than do male drivers for car insurance.

 
VALLEJO AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Yearly Rate
Female$1,970
Male$1,965
Single$1,888
Married$1,888
Divorced$1,965
Widowed$1,913
 

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

 

Vallejo auto insurance premiums by incident history

 

No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Vallejo drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $3,285 per year versus the city average. A ticket for speeding results in an $804 rate hike while a DWI or DUI violation costs $3,171 per year in extra insurance expenditures.

 
VALLEJO CAR INSURANCE RATES AFTER A COLLISION OR CITATION
CitationAverage Annual Rate
DWI/DUI$5,137
Reckless Driving$5,251
At-fault Accident (damages less than $1,000)$1,975
At-fault Accident (damages greater than $2,000)$3,466
Speeding Ticket (16-20 mph over speed limit)$2,769
 

Learn more about how citations can raise your auto insurance rates.

 

Vallejo auto insurance rates by credit tier

 

A driver's credit level can be closely correlated with their auto insurance rates. Moving from "Very Poor" to "Fair" credit is typically a great way to save money on car insurance.

In Vallejo, however, your credit score won't impact your premium even if you have poor credit. California is one of three states that have banned insurance companies from using drivers' credit scores as a rating factor.

Get additional information on how credit impacts car insurance costs.

 

Compare quotes and find your next policy!

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including BestCompany.com and USInsuranceAgents.com.