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 Average||National Average|
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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
|Company||Average Annual Rate|
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
|Age||Average Annual Rate|
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 Status||Average Yearly Rate|
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
|Violation||Average Yearly Rate|
|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|
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 Score||Average Rate (annual)|