Explore average premiums in Vallejo and the best ways to save on auto insurance.
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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 Average (yearly)||California Average||United States Average|
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 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.
|Age||Average Annual Rate|
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.
|Gender/Marital Status||Average Yearly Rate|
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.
|Citation||Average Annual Rate|
|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|
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.
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.