Visalia Car Insurance

The Zebra
May 30, 2018

Car Insurance in Visalia

Visalia has premiums that are relatively consistent with California's average, as they are within $53 of one another. Who doesn't like to save money? Check out some ways to save on car insurance in Visalia.

  • City Average: $1,660
  • State Average: $1,713
  • National Average: $1,427

Visalia Car Insurance by Accident or Violation History

Accidents and violations on your record can cost you in terms of prices on car insurance. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. Typically, a DUI or reckless driving offense in Visalia will cost you 184% more in car insurance premiums versus the city average of $1,660. For those in Visalia with at-fault accidents, $915 is the amount by which annual insurance premiums can be expected to rise.

  • DUI: $4,715
  • Reckless Driving: $4,715
  • At-fault Accident (damages less than $1000): $2,575
  • At-fault Accident (damages greater than $2000): $2,575
  • Speeding Ticket (16-20 mph over speed limit): $2,248

Visalia Car Insurance by Gender and Marital Status

Marital status and gender are important considerations in determining the price of car insurance in Visalia. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Being single can cost you 4% more per year compared to being married. Premiums for women are usually barely cheaper than for men.

  • Female: $1,658
  • Male: $1,660
  • Single: $1,660
  • Married: $1,593
  • Divorced: $1,660
  • Widowed: $1,599

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Visalia Car Insurance by Age

With car insurance payments of $6,189 on average, teenage drivers have the biggest premiums of any age group. Among all age groups, drivers in their 60s have the smallest rates, with rates of $1,413. Those in their 50s ($1,459) aren’t paying significantly more. The largest decline in premiums for Visalia drivers happens when they hit their 20s. Once out of the teenage age range, they save an average of $3,751 each year. Insurance rates continue to trend downward up until drivers hit 70.

  • Teenagers: $6,189
  • 20s: $2,438
  • 30s: $1,629
  • 40s: $1,575
  • 50s: $1,459
  • 60s: $1,413
  • 70s: $1,567

* Credit score is considered discriminatory in California and is therefore not used as a rating factor when determining how much you'll pay for auto insurance.