The average car insurance rate in Vista is $140 per month. Are you paying too much?
The average car insurance rate in Vista, California, is $1,685 per year. That's less than the average in California ($1,868) and more expensive than the national average of $1,548. Our guide to Vista car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!
| Vista Average (yearly) | California Average | National Average |
| $1,685 | $1,868 | $1,548 |
One of the most important determinants of your car insurance rates is the insurance company you work with. In Vista, GEICO provides the most affordable rates for the typical insurance customer. See below the best companies for cheap auto insurance in Vista — but don't forget to get personalized car insurance quotes to match your driving profile.
Consult our expert guide to find the best cheap car insurance.
The age group that enjoys the lowest auto insurance rates in Vista are drivers in their 60s, who pay an average of $1,502 per year. Those in their 50s don't pay much more ($1,513).
The Vista drivers who face the priciest insurance rates are teenagers. When Vista drivers hit their 20s, their insurance rates drop substantially. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Vista is $3,660, the largest such difference between any two age groups.
| Age | Average Annual Rate |
| Teens | $6,133 |
| 20s | $2,472 |
| 30s | $1,642 |
| 40s | $1,586 |
| 50s | $1,513 |
| 60s | $1,502 |
| 70s | $1,744 |
Learn more about how age influences auto insurance rates.
Marital status and gender can be contributors to car insurance rates, in some cases. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Vista pay $70 less than single drivers for auto insurance.
Gender is another factor that can impact auto insurance costs. In Vista, female drivers pay $4 per year more than do male drivers for car insurance.
| Gender/Marital Status | Average Yearly Rate |
| Female | $1,689 |
| Male | $1,685 |
| Single | $1,615 |
| Married | $1,615 |
| Divorced | $1,685 |
| Widowed | $1,637 |
Learn more about how gender and marital status impact car insurance rates.
No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
Vista drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $2,943 per year versus the city average. A ticket for speeding results in a $680 rate hike while a DWI or DUI violation costs $2,860 per year in extra insurance expenditures.
| Violation | Average Yearly Rate |
| DUI/DWI | $4,545 |
| Reckless Driving | $4,628 |
| At-fault Accident (damages < $1,000) | $1,692 |
| At-fault Accident (damages > $2,000) | $2,939 |
| Speeding Ticket (16-20 mph over speed limit) | $2,365 |
Learn more about how citations can raise your auto insurance rates.
