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

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

Zimlon, through its research, found that car owners in Vacaville, 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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Top 5 Car Insurance Companies in Vacaville, CA, by Market Share

The average cost of auto insurance in Vacaville, CA, is $1,313. Motorists in Vacaville can save more by comparing multiple quotes from different auto insurance companies. The cost of auto insurance depends on numerous factors ranging from the make and model of the car to the driver’s age. Below is a list of the best auto insurance companies in Vacaville, CA.



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 Vacaville, 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.

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

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

Vacaville Fairfield Hartley Elmira Solano County Allendale
Average Insurance Rates $1,313 $1,416 $1,926 $2,259 $1,856 $1,966

Vacaville, 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 Vacaville, 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)
Vacaville $1,082 $914
Allendale $2,760 $2,332
Hartley $1,942 $1,640
Elmira $2,327 $1,965
Solano County $1,414 $1,195
Moskowite Corner $2,345 $1,981
Fairfield $1,514 $1,279
Dixon $1,909 $1,612

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

Teenagers in Vacaville, 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 $4,260
20 Years $1,687
30 Years $1,299
40 Years $1,250
50 Years $1,158
60 Years $1,174
70 Years $1,366

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

Car owners in Vacaville, 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 $2,232 $394
3 Vehicles $3,348 $591
4 Vehicles $4,464 $788

Savings on 2 Vehicles bundle:$394

Savings on 3 Vehicles bundle:$591

Savings on 4 Vehicles bundle:$788

Vacaville, 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 Vacaville, CA.

Location Average Insurance Cost Post DUI Insurance Rate
Vacaville $1,313 $3,233
Allendale $1,966 $4,841
Hartley $1,926 $4,742
Elmira $2,259 $5,562
Solano County $1,856 $4,570
Moskowite Corner $2,277 $5,606
Fairfield $1,416 $3,486
Dixon $1,857 $4,572

Vacaville, 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) $1,127
Excellent (740-799) $1,286
Good (670-739) $1,368
Average (580-669) $1,785
Poor (300-579) $2,142

Vacaville, CA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Brock Nobili State Farm 3338 N Texas St Ste D, Fairfield, 94533-9820 707-425-1067
Debi Johnson State Farm 318 Main St Ste A, Vacaville, 95688-3959 707-447-4400
Jim Wright Allstate 3075 Alamo Dr, Vacaville, 95687 (707) 449-8071
Flash Gordon Farmers 411 Davis St Ste 107, Vacaville, 95688 (707) 580-6363
Onmarket Insurance Associates Travelers 1857 MARKET ST, SAN FRANCISCO, 94103 415-487-1800
Giroux Insurance Services Travelers 479 MASON ST STE 317A, VACAVILLE, 95688 707-451-7295
Moc Insurance Services Liberty Mutual Independent 44 MONTGOMERY ST STE 1700, SAN FRANCISCO, 94104 415-957-0600
Brady-Harbord-Payne Travelers 3608 GRAND AVE, OAKLAND, 94610 (510) 444-5645

Vacaville, 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 +$58 $1,371
Driver's Failure In Showing Documents +$127 $1,440
Driving With An Expired Registration +$135 $1,448
Driving At A Considerably Slow Pace +$285 $1,598
Using A Cellphone While Driving +$301 $1,614
Running A Red Light +$306 $1,619
Speeding +$322 $1,635
Driving A Vehicle Without The Required Permission +$408 $1,721
Driving With An Expired/Suspended License +$885 $2,198

Vacaville, 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 $1,260
Active Disabling Device $1,260
Tracking Device $1,234
Passive Disabling Device $1,221

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

I think that Geico is one of the best car insurance companies, but there are other companies that I believe offer better insurance and rates.
I am very satisfired with my car insurance company. I can just call in to the 1-800 number and I do not need to wait to speak to a specific representative.
They have outstanding rates even with low deductbles and high coverage. There service is excellent
Farm Bureau
The same coverage through my company is much less expensive than the offerings by other companies I have requested quotes from.
Farm Bureau
The same coverage through my company is much less expensive than the offerings by other companies I have requested quotes from.
Very few dislikes, but there could be some updating to the website online. Maybe a method to file claims online. Overall I like this company very much.
My car insurance company offers accident forgiveness and rewards for safe driving. Each renewal that I do not have an accident I am awarded money that I can use towards my deductible to lower my out of pocket expenses if I should ever have to make a claim.
Their customer service program is one of the worst in the business. I don't switch from them because what if I would end up paying more for even worse service.
The premium was significantly cheaper and the agent was very helpful and understanding when discussing coverage options to be included in the policy.
American National Property And Casualty Company
There is an "industry standard" in terms of pricing, as long as it is fair I'm ok with ANY service, what I like from AACC is convenience. Being able to do pretty much everything online, pay, make changes, etc. However, I am aware that every major insurance company offers that as well.
I feel my car insurance company offers about the same premium any other company would offer me for the type of vehicle I have.