bestauto insuranceVallejo2022Compare the Cheapest Car Insurance Quotes in Vallejo
The average car insurance rate in Vallejo is $1,374 per year, which is lower than the state average. Esurance has the cheapest coverage at an average of $1,075 annually. MoneyGeek found the cheapest insurers based on coverage level and driving history. We also determined the best companies for drivers who want affordability and quality.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Last Updated: 5/16/2022
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Mark Fitzpatrick
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The cheapest car insurance companies in Vallejo depend on your needs. Esurance is the cheapest insurer overall and for drivers with speeding tickets. GEICO is the most affordable for state minimum coverage.
Military families may find USAA to be the cheapest.
When it comes to balancing cost and customer service, AAA is the best car insurance company in Vallejo.
bestauto insuranceVallejo2022The Cheapest and Best Car Insurance in Vallejo
Cheapest Overall - Esurance
Cheapest State Minimum - GEICO
Cheapest With a Driving Violation - Esurance
The Cheapest Car Insurance Companies in Vallejo
Based on average annual rates, the cheapest car insurance companies in Vallejo for a full coverage policy are:
- Esurance: $1,075 per year
- Progressive: $1,114 per year
If you are from a military family, you might be eligible for a USAA policy. It is the second cheapest car insurance company in Torrance at $1,110 per year.
Esurance offers the most affordable coverage in the city. It is 67.6% less expensive than a similar policy from Allied, the most expensive insurer in the city. Full coverage is a type of insurance that includes both comprehensive and collision coverage. However, premiums may change depending on the liability coverage.
Cheapest Car Insurance in Vallejo
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$1,075
- 2.$1,110
- 3.$1,114
- 4.$1,181
- 5.CSAA$1,220
As per MoneyGeek’s methodology, the average rates are based on a 40-year-old male driver in Vallejo with a full coverage policy.
Full coverage insurance is usually more expensive than a state minimum coverage policy because it adds comprehensive and collision to other required coverages in the state. These can be valuable to drivers since they offer protection against the cost of damages to your car.
- Comprehensive insurance: Covers non-accident incidents, such as weather-related events, vandalism and theft.
- Collision insurance: Covers collision with another object or car.
Drivers who have older vehicles may consider getting liability-only insurance or state minimum coverage so that they don’t end up paying more for full coverage insurance than the car is worth.
Compare Car Insurance Rates in Vallejo
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Vallejo for Minimum Coverage
The cheapest insurance is state minimum car insurance. On average, the most affordable car insurance companies in Vallejo for this coverage are:
- GEICO: $444 per year
- CSAA: $467 per year
USAA has the cheapest average car insurance rate in Vallejo at $443 per year, but it is only available to military families.
GEICO coverage is the cheapest-widely available option in Vallejo and is approximately $331 cheaper than a Farmers policy, which is the most expensive option.
Minimum coverage is the most affordable insurance in Vallejo but has low levels of liability coverage. It also does not include comprehensive and collision insurance. You can toggle the table to see how liability coverage level affects cost.
Cheapest Minimum Liability Car Insurance in Vallejo
State Minimum
- CompanyState Minimumper year
- 1.$443
- 2.$444
- 3.CSAA$467
- 4.$473
- 5.$543
California’s minimum car insurance with 15/30/5 liability limits is the cheapest Vallejo drivers can buy. That said, it offers the least protection, and you may end up paying more out of pocket after an accident.
For instance, in an at-fault accident that leads to a total of $50,000 in medical bills, you would have to pay $20,000 out of pocket because your insurance only covers $30,000.
California Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Vallejo if You Have Driving Violations
Driving violations, including speeding tickets, DUIs and at-fault accidents, cause insurance rate increases. The cheapest option may vary depending on the violation.
On average, the following insurers offer the lowest rates for drivers with violations:
- Cheapest after a ticket: Esurance at $1,364 per year
- Cheapest after an at-fault accident: CSAA at $1,536 per year
- Cheapest after a DUI: Mercury at $2,308 per year
USAA offers the cheapest rate for Vallejo drivers with a speeding ticket, but only military families qualify for its policies.
Drivers with poor records can seek to improve their records over time to get cheaper rates. In the interim, they can find cheap car insurance in Vallejo for drivers with a bad record by shopping around.
Cheapest Car Insurance in Vallejo With a Violation
Speeding Ticket
Average Cost of Car Insurance in Vallejo
Vallejo$1,374
California$1,429
U.S.$1,424
On average, car insurance in Vallejo costs $1,374 per year. In comparison, Vallejo drivers typically pay 3.8% less than the state average. This is also 3.5% cheaper than the average cost of auto insurance in the country.
Personalized Quotes to Get You the Cheapest Car Insurance in Vallejo
Insurance carriers calculate car insurance quotes in Vallejo based on several factors, such as car make and model, gender, age, coverage level and ZIP code. Compare quotes regularly to find the most suitable and affordable policy as your circumstances change. Doing this can also help you determine if you qualify for discounts or rebates.
Compare Car Insurance Rates in Vallejo
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Vallejo
When looking for the best car insurance in Vallejo, consider companies that balance affordability and quality service.
The best car insurance companies in the city are:
- AAA: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
USAA is the highest-rated company but is not listed as best overall because it is only available to military families.
MoneyGeek’s scoring system considered various factors, including J.D. Power user satisfaction, affordability and financial stability.
1
USAA
Score:100
2
Auto Club of Southern California Insurance Group
Score:90
3
GEICO
Score:90
4
Wawanesa
Score:87.5
5
State Farm
Score:87.5
6
Ameriprise
Score:85
7
Hartford
Score:85
8
Progressive
Score:82.5
9
Allstate
Score:82.5
10
Safeco
Score:80
11
CSAA
Score:77.5
12
Liberty Mutual
Score:77.5
13
Farmers
Score:77.5
14
Mercury
Score:77.5
15
Nationwide
Score:75
16
Kemper
Score:70
Average Cost of Car Insurance by Postal Code
Depending on your ZIP code, average car insurance rates may vary. This is because of differences in location-related factors like car theft incidents and accident statistics.
On average, drivers who live in neighborhood 94591 pay $1,336 per year. That is the cheapest neighborhood in Vallejo. Meanwhile, the most expensive neighborhood is 94590, with an average rate of $1,411. This is roughly $75 more.
- Zip CodeState Minimumper year
- 94591$1,336
- 94590$1,411
Factors That Impact Insurance Costs in Vallejo
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Vallejo. How Vallejo ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Vallejo are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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