Vista Car Insurance

How much does car insurance cost in Vista?


The average car insurance rate in Vista 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!


AUTO INSURANCE: VISTA RATES VS. STATE + NATIONAL AVERAGES
Vista Average (yearly)California AverageNational Average
$1,685$1,868$1,548

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Vista car insurance rates by company


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.


VISTA AUTO INSURANCE RATES BY COMPANY
CompanyAverage Annual Rate
GEICO$1,122
Mercury$1,358
AAA$1,564
Infinity$1,606
Alliance$1,628

Consult our expert guide to finding the best cheap car insurance.



Car insurance rates by age bracket in Vista

The age group that enjoys the lowest auto insurance rates in Vista are drivers in their age_60s, who pay an average of $1,502per year. Those in their age_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.


CAR INSURANCE RATES BY AGE TIER IN VISTA
AgeAverage 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.



Vista car insurance rates by marital status and gender


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. Rates for those who are widowed are also much cheaper than rates for those who are single. In Vista, insurance rates for those who are widowed are less expensive than rates for those who are single.

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.


INSURANCE RATES IN VISTA BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage 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 have on car insurance rates.



Vista car insurance costs by accident and citation history


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 $2,860per year in extra insurance expenditures.


VISTA CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
ViolationAverage 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.



Vista car insurance rates by credit level


Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. In fact, Vista drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 0% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Vista, improving your credit to "Fair" could help you earn $0 in savings on insurance premiums each year.


VISTA CAR INSURANCE RATES BY CREDIT SCORE
Credit ScoreAverage Rate (annual)
Very Poor$1,685
Fair$1,685
Good$1,685
Very Good$1,685
Exceptional$1,685

Learn more about the relationship between poor credit and car insurance.



Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.