Vista Car Insurance

The Zebra
May 30, 2018

Car Insurance in Vista

Vista is recognized for its economical premiums, as its mean premium falls below the state average by 8%. Going over some ways to save on Vista car insurance can save you money.

  • City Average: $1,583
  • State Average: $1,713
  • National Average: $1,427

Vista Car Insurance by Accident or Violation History

Maintaining a flawless driving record is imperative if you want to keep your rates low. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. Drivers with a DUI or reckless driving infraction in Vista have rates nearly triple the average for the city ($1,583). For individuals in Vista with at-fault accidents, $869 is the amount by which annual insurance premiums can be expected to rise.

  • DUI: $4,546
  • Reckless Driving: $4,546
  • At-fault Accident (damages less than $1000): $2,452
  • At-fault Accident (damages greater than $2000): $2,452
  • Speeding Ticket (16-20 mph over speed limit): $2,134

Vista Car Insurance by Gender and Marital Status

Many driver traits, including marital status and gender, play a part in car insurance premiums in Vista. However, females have premiums that are only a little more pricey than those for males. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Married individuals save close to $70 per year compared to those who are single or divorced.

  • Female: $1,588
  • Male: $1,583
  • Single: $1,583
  • Married: $1,514
  • Divorced: $1,583
  • Widowed: $1,521

Vista Car Insurance by Age

In Vista, when drivers hit their 20s, therefore moving out of the teenage age bracket, they pay $3,510 less in premiums, the biggest difference between any age group. Premiums in Vista continue to trend downward up until drivers hit 70. Everybody loves to save money, and luckily for drivers in their 60s, they do just that! They have the lowest insurance rates among any age group, with rates of $1,360/year. Those in their 50s ($1,398) aren’t paying much more. Teenage drivers have the largest premiums of any age group. They pay around $5,805 on car insurance premiums.

  • Teenagers: $5,805
  • 20s: $2,295
  • 30s: $1,556
  • 40s: $1,504
  • 50s: $1,398
  • 60s: $1,360
  • 70s: $1,518

* 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 every year.

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