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

Zimlon, through its research, found that car owners in Visalia, 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.

Discounts of Up To $92 on a Single Anti-Theft Device in Visalia, CA

The average cost of auto insurance in Visalia, CA, is $1,317. Car owners in Visalia can improve savings by comparing multiple quotes and reviews from different auto insurance companies. Below is a list of discounts available to drivers in Visalia.

Insurance Requirements:

Car insurance is mandatory for all vehicle owners in California. The minimum liability insurance requirements for private passenger vehicles are as follows:

• $15,000 for injury/death to a person.

• $30,000 for injury/death to more than a person.

• $5,000 for damage to property.

Multi-Car Insurance:

Car insurance companies provide discounts to car owners who insure multiple cars with the same insurance company. However, discounts on multi-car insurance policies vary according to the make and model of the vehicle. The cost of insuring two vehicles under a multi-car insurance policy in Visalia is $2,318, while the cost of insuring four vehicles under this policy is $4,636. The amount of savings can range from $316 to $632.

Bundling is another standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts. 

Anti-Theft Discounts:

Car insurers across California offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms. 

Equipping one’s vehicles with the latest anti-theft devices will help in saving more. A passive disabling device helps save the most on auto insurance in Visalia. As the above table indicates, savings from anti-theft devices can range from $53 to $92. 

Driving Record:

Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years, while State Farm offers discounts for drivers who go three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

For example, post-DUI, the cost of auto insurance in Visalia, can mount up to $3,243 from $1,317. That’s an increase of over $1,000. Other driving violations can prove to be very expensive as well. Some of them include driving with an expired license and using a cellphone while driving. The former leads to an increase of $888, while the latter leads to an increase of $302.

 

 

Factors that can influence the cost of car insurance in Visalia, 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.

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

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

	Visalia	West Goshen	Ivanhoe	Linnell Camp	Monson	Patterson Tract
Average Insurance Rates	$1,317	$1,779	$1,791	$2,196	$1,787	$1,789

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Visalia, 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 Visalia, 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)
Visalia	$1,213	$1,025
Patterson Tract	$1,497	$1,264
Goshen	$1,227	$1,036
West Goshen	$942	$796
Linnell Camp	$2,262	$1,911
Farmersville	$1,227	$1,036
Ivanhoe	$1,501	$1,268
Monson	$1,560	$1,318

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

Teenagers in Visalia, 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	$4,273
20 Years	$1,692
30 Years	$1,303
40 Years	$1,254
50 Years	$1,161
60 Years	$1,177
70 Years	$1,371

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

Car owners in Visalia, 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	$2,318	$316
3 Vehicles	$3,477	$474
4 Vehicles	$4,636	$632

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Visalia, 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 Visalia, CA.

Location	Average Insurance Cost	Post DUI Insurance Rate
Visalia	$1,317	$3,243
Patterson Tract	$1,789	$4,405
Goshen	$1,766	$4,348
West Goshen	$1,779	$4,380
Linnell Camp	$2,196	$5,407
Farmersville	$1,767	$4,351
Ivanhoe	$1,791	$4,410
Monson	$1,787	$4,400

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Visalia, 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)	$1,130
Excellent (740-799)	$1,290
Good (670-739)	$1,372
Average (580-669)	$1,790
Poor (300-579)	$2,148

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Visalia, 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	$1,375
Driver's Failure In Showing Documents	+$128	$1,445
Driving With An Expired Registration	+$136	$1,453
Driving At A Considerably Slow Pace	+$286	$1,603
Using A Cellphone While Driving	+$302	$1,619
Running A Red Light	+$307	$1,624
Speeding	+$323	$1,640
Driving A Vehicle Without The Required Permission	+$410	$1,727
Driving With An Expired/Suspended License	+$888	$2,205

Visalia, 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	$1,264
Active Disabling Device	$1,264
Tracking Device	$1,238
Passive Disabling Device	$1,225

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