Tracy Auto Insurance Rates, Quotes, Agents & Reviews in CA

Tracy, CA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Tracy, CA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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The Five Most Popular Car Insurance Companies in Tracy, CA

The average cost of auto insurance in Tracy, CA, is $1,436 and is lower than auto insurance in neighboring places such as Patterson, Grayson, Mountain House, Westley, and French Camp. Auto insurance in Tracy depends on numerous factors ranging from the make and model of the vehicle to the driver’s age. Below is a list of the top five auto insurance companies in Tracy.



State Farm occupies the first spot with a massive 4,106,038 direct premiums written and 4,090,146 direct premiums earned. The company holds a market share of 13.74% in California. State Farm received a score of 808/1000 in the J.D. Power Auto Insurance Study. One only needs to go as far as State Farm’s online faculty for an overview of the various insurance coverages they provide. The company is credited with a solid rating of A++ by A.M. Best. 


Farmers occupies a market share of 10.68% in California. The company has 3,191,341 direct premiums written, and 3,189,468 direct premiums earned. The ease of navigating the Farmers website is an added advantage. Farmers ranks a tad low on the J.D. Power Auto Insurance Study with a score of 805/1000. A.M. Best has given Farmers an A rating for its financial strength in the markets. 


With 2,897,713 direct premiums written and 2,794,052 direct premiums earned, GEICO is a close third. The company has a market share of 9.69% in California and enjoys an A.M. Best Rating of A++. GEICO received a score of 825/1000 on the J.D. Power Auto Insurance Study, and also received the “Better Than The Most” tag. 


Allstate has 2,687,887 direct premiums written and 2,640,022 direct premiums earned in California. Allstate occupies the fourth spot with a market share of 8.99%. The company was one of the leading insurance providers in the auto insurance market back in 2010. Allstate has a J.D. Power Auto Insurance score of 808/1000 and an A.M. Best Rating of A+.


AAA enjoys the “Better Than The Most” tag, alongside a J.D. Power score of 834/1000. The company occupies a market share of 8.69%. AAA offers Umbrella Liability Insurance and enjoys an A.M. Best Rating of A. It has 2,598,340 direct premiums written, and 2,470,179 direct premiums earned. 

Factors that can influence the cost of car insurance in Tracy, CA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Tracy, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Tracy, CA with that of other cities in and around Tracy.

Tracy Patterson Grayson Mountain House Westley French Camp
Average Insurance Rates $1,436 $1,826 $1,799 $1,925 $2,241 $1,810

Tracy, CA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Tracy, CA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Tracy $1,226 $1,035
Mountain House $1,939 $1,638
Lathrop $1,379 $1,165
Patterson $1,547 $1,307
Manteca $1,334 $1,127
Westley $2,308 $1,950
Grayson $1,517 $1,282
French Camp $1,460 $1,233

Tracy, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Tracy, CA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,660
20 Years $1,845
30 Years $1,421
40 Years $1,367
50 Years $1,266
60 Years $1,284
70 Years $1,494

Tracy, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Tracy, CA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,527 $345
3 Vehicles $3,791 $517
4 Vehicles $5,055 $689

Savings on 2 Vehicles bundle:$345

Savings on 3 Vehicles bundle:$517

Savings on 4 Vehicles bundle:$689

Tracy, CA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Tracy, CA.

Location Average Insurance Cost Post DUI Insurance Rate
Tracy $1,436 $3,536
Mountain House $1,925 $4,740
Lathrop $1,835 $4,518
Patterson $1,826 $4,496
Manteca $1,449 $3,568
Westley $2,241 $5,518
Grayson $1,799 $4,429
French Camp $1,810 $4,457

Tracy, CA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,232
Excellent (740-799) $1,406
Good (670-739) $1,496
Average (580-669) $1,952
Poor (300-579) $2,342

Tracy, CA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$63 $1,499
Driver's Failure In Showing Documents +$139 $1,575
Driving With An Expired Registration +$148 $1,584
Driving At A Considerably Slow Pace +$312 $1,748
Using A Cellphone While Driving +$329 $1,765
Running A Red Light +$335 $1,771
Speeding +$352 $1,788
Driving A Vehicle Without The Required Permission +$447 $1,883
Driving With An Expired/Suspended License +$968 $2,404

Tracy, CA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,379
Active Disabling Device $1,379
Tracking Device $1,350
Passive Disabling Device $1,335

Latest Auto Insurance Reviews in Tracy, CA | Back to Top

State Farm
I believe the deductible options are the same across the board with other auto insurers. I love my monthly premium because it is affordable and I can have a monthly amount automatically deducted from my bank account.
State Farm
I would recommend my auto insurance policy company State Farm because it has the best customer service, deductible.premiums of all the home insurance companies I have had in the past.
State Farm
I would recommend this company to others because of their great prices and coverage they have. They also have great agents on the phone.
i have no issues. I have not had any insurance claims except for windshield glass and they have responded quickly
The premiums and deductibles are comparatively more than the other companies, however since this company is also covering our home, so we opted for them.
I would give the insurance a 5, due to the many problems that occured with my house. They had no problem covering cost.
I have complete coverage on my car and get what the other companies offer at the same or lesser price, more likely less because I have comparison shopped and had my broker do the same.
I have not had any experience with our insurance's customer service, but I am happy with the coverage we were able to get for the low price.
I have not had any experience with our insurance's customer service, but I am happy with the coverage we were able to get for the low price.
Every time I needed to solve a problem or I have a doubt with my insurance company, they answered quickly and solved the problem without too much hassle. Sometimes over the phone and sometimes via emails.
I have not experienced a time where I have been dissatisfied with customer service or rates.
Geico has one of the lowest premiums when I purchased insurance. They have comparable coverage for a less amount.
What i dislike about the company is that every 6 months when you have to renew your car insurance the cost seems to go up a little bit.
Farmer's Insurance
Whenever I have called for any auto insurance issues, the customer has always been very helpful. There was a major car accident with a previous car and they were very calm and reassuring.
I can't think of anything that I dislike. Every interaction has been positive and I have felt that I was treated with respect and gotten thoughtful answers to my questions and concerns.
I don't dislike anything about this company. I have read up on different Geico Insurance companies around the world and haven't read any negative report and I fully agree with my finding on this company, again there is nothing I dislike about the company.