The typical car insurance policy costs $145 per month in Visalia. Compare rates if you're paying too much.
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 |
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 car insurance quotes based on your driving profile.
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.
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.
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.
