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 Average||United States Average|
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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 Company||Average Yearly Rate|
Vallejo car insurance premiums by age
Vallejo drivers in their age_50s pay relatively affordable car insurance rates just $1,771each year, on average. Drivers in their age_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
|Age||Average Annual Rate|
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 per year more than do male drivers for car insurance.
VALLEJO AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Yearly Rate|
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 $3,171per year in extra insurance expenditures.
VALLEJO CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|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|
Vallejo auto insurance rates by credit tier
A driver's credit level can be closely correlated with their auto insurance rates. Vallejo drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 0% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Vallejo, improving your credit to "Fair" could help you earn $0 in savings on insurance premiums each year.
VALLEJO AUTO INSURANCE RATES BY CREDIT TIER
|Credit Level||Average Rate (annual)|