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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

What's the average car insurance rate in Visalia?


The average cost of car insurance in Visalia, California, is $1,750 per year. That's less than the average in the state of California ($1,868) and more expensive than the national average of $1,548. Our guide to Visalia car insurance includes average rates based on age, credit score, driving history and marital status. Keep reading to learn more!

Visalia Average (per year) California Average U.S. Average
$1,750 $1,868 $1,548
Jump to Visalia car insurance rates by:


Visalia auto insurance premiums by insurer


The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In Visalia, GEICO offers the cheapest rates for the average insurance customer. See below the best options for affordable auto insurance in Visalia. Don't forget to get quotes for car insurance based on your driving profile.

Insurer Average Annual Rate
GEICO $1,105
Mercury $1,234
Alliance $1,487
AAA $1,566
Infinity $1,826


Check out our guides to learn how to find the best cheap car insurance and discover which car insurance companies have the highest customer satisfaction ratings.


Visalia car insurance premiums by age

The age group that enjoys the lowest auto insurance rates in Visalia are drivers in their 60s, who pay an average of $1,550 per year. Those in their 50s don't pay much more ($1,567).

Teen drivers pay Visalia's most expensive auto insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Visalia is to age out of your teenage years. In Visalia, teenage drivers pay $6,536 — a full $4,969 more than the second-most expensive rate paid by an age group.

Age group Average Yearly Rate
Teens $6,536
20s $2,602
30s $1,705
40s $1,648
50s $1,567
60s $1,550
70s $1,796


Learn more about how age influences auto insurance rates.


Visalia auto insurance rates by gender and marital status


Marital status and gender can be contributors to car insurance rates, in some cases. Married drivers usually pay less for car insurance than their single counterparts. In Visalia, married motorists pay $67 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Visalia, insurance rates for those who are widowed are less expensive than rates for those who are single.

Another component of auto insurance pricing is gender. In Visalia, female drivers pay $3 per year more than do male drivers for car insurance.

Gender/Marital Status Average Annual Rate
Female $1,753
Male $1,750
Single $1,683
Married $1,683
Divorced $1,750
Widowed $1,703

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


Visalia auto insurance premiums by citation and accident history


Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Visalia, a reckless driving citation results in an average insurance rate increase of $3,009 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $2,917 increase and a speeding ticket triggers a $711 rate hike.

Incident Average Yearly Rate
DUI/DWI $4,667
Reckless Driving $4,759
At-fault Accident (damages < $1,000) $1,758
At-fault Accident (damages > $2,000) $3,043
Speeding Ticket (16-20 mph over speed limit) $2,461

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


Visalia car insurance rates by credit tier

While credit score does affect auto insurance rates in some circumstances, the state of California forbids car insurance companies from incorporating credit history in their rate-setting process. 

Compare rates from top insurance companies.

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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 editorial 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.