Your coverage preferences, age, driving history and other related factors affect your insurance rates in Visalia. According to MoneyGeek's research, GEICO offers the most affordable minimum coverage policies in Visalia. Meanwhile, National General has the lowest rates for full coverage policies and is a good option for drivers with violations. State Farm offers the most affordable premiums for parents looking to insure their teenage drivers. Additionally, USAA has the lowest prices for military-affiliated drivers.
Cheapest and Best Car Insurance in Visalia, CA
Cheapest Minimum Liability Car Insurance in Visalia
The companies offering the cheapest minimum coverage auto insurance in Visalia per MoneyGeek’s research are:
- GEICO: $332 per year
- AAA California: $415 per year
Chubb has the priciest minimum coverage policy in the city, costing roughly $723 per year as of October 2022.
In California, coverage limits for liability insurance are set by state law and are designed to cover bodily injury and property damage. These limits are as follows:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
Liability-only insurance covers damages caused to other drivers and their passengers in an accident for which you’re at fault. If your policy offers $15,000 per person for bodily injury liability and $30,000 per accident, your insurer will cover costs up to those amounts. If the total bill exceeds your policy’s limits, you are responsible for paying the difference out of pocket.
Cheapest Full Coverage Car Insurance in Visalia
MoneyGeek’s research found that the following companies offer the most affordable full coverage car insurance in Visalia:
- National General: $889 per year
- GEICO: $932 per year
Chubb has the city’s priciest premiums for full coverage insurance at approximately $1,685 per year as of October 2022.
Full coverage car insurance provides broader protections than liability-only insurance and has the following protections:
- Collision Insurance: Pays for damages to your vehicle that result from an accident, such as a collision with another car or an object.
- Comprehensive Insurance: Covers costs to repair or replace your vehicle after a non-accident-related event, such as theft or weather damage.
If you own a new or valuable car, we recommend you purchase full coverage insurance to protect your investment. However, if your vehicle is older and has a lower value, paying for full coverage may not be worth the added cost.
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Cheapest Car Insurance in Visalia After a Driving Offense
Based on MoneyGeek’s analysis, drivers with violations can find the most affordable car insurance in Visalia from these companies:
- Speeding ticket: National General ($932 per year)
- At-fault accident: National General ($1,311 per year)
- DUI: National General ($932 per year)
Chubb has the most expensive pricing after a speeding ticket ($2,206 per year) and an at-fault accident ($2,709 per year), while Hartford is the priciest after a DUI ($4,595 per year). Generally, drivers with bad records pay higher rates than their counterparts with clean records.
The severity of your driving offense will affect the increase in your car insurance rates, with more severe offenses resulting in higher premiums. For instance, having a DUI on your record in Visalia can increase your car insurance by approximately $1,368 compared to $511 after a speeding ticket.
However, you can still find affordable car insurance with a bad driving record by comparing offers from various companies and taking advantage of discount opportunities.
Cheapest Car Insurance in Visalia for Teens and Their Families
MoneyGeek’s research shows that the cheapest auto insurers for teen drivers on a family policy are:
- State Farm: $2,560 per year for female and male teens
- GEICO: $2,724 per year for female teens and Farmers at $2,736 per year for male teens
With an average yearly cost of $4,271, Nationwide has the city’s priciest premiums for teen drivers. Insurance companies typically consider young male drivers a greater insurance risk than their female counterparts, resulting in higher insurance premiums for the former. This is not the case with the top two Visalia options, as both offer the same rates for male and female teens. Generally, when there is a gap in insurance rates between genders, it drops off in early adulthood.
Car insurance for teenagers is expensive, especially if purchased as an individual policy. Adding teens to a family policy is one way to access lower rates. In Visalia, insuring a male teenager costs an average of $673 less if they’re added to a family policy. Additionally, you can shop around and use student-specific discounts to find cheap car insurance for teenage drivers.
Cheapest Car Insurance in Visalia for Military Drivers
MoneyGeek’s evaluation shows that the cheapest full coverage car insurance providers in Visalia for drivers with a military background are:
- USAA: $832 per year
- National General: $889 per year
Meanwhile, GEICO offers the lowest full coverage rates at around $332 per year. USAA is the second-cheapest car insurance option for military-affiliated drivers at roughly $346 per year.
How to Compare Cheap Visalia Car Insurance Quotes Online
Obtaining online car insurance quotes can be a laborious and lengthy process, requiring you to input your personal details. It can take you around 15 minutes to obtain a quote per provider. To make this process more efficient, MoneyGeek created a car insurance calculator that instantly generates estimates based on age, driving history, vehicle type and coverage level. This tool can save you considerable time and effort as opposed to acquiring quotes from individual companies.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Visalia: Summary
The best car insurance provider for you depends on your preferences for affordability, quality of service, coverage options and other relevant factors. MoneyGeek studied 2023 quotes and identified the top car insurance providers in Visalia for the following categories:
- Best overall: GEICO (MoneyGeek score of 74 out of 100)
- Best for service: Chubb (MoneyGeek score of 76 out of 100)
- Best cheap: GEICO (MoneyGeek score of 78 out of 100)
The optimal provider for you may vary depending on your location. While GEICO stands out as the top pick in Visalia, CSAA is our choice as the best overall car insurance provider in California. For those with a military background, USAA is the best auto insurer in Visalia, with a MoneyGeek score of 85 out of 100.
Best Overall Car Insurance in Visalia
MoneyGeek’s analysis shows that the top-scoring auto insurance companies in Visalia are:
- GEICO: MoneyGeek score of 74 out of 100 ($932 per year)
- Progressive: MoneyGeek score of 70 out of 100 ($999 per year)
We selected GEICO as the best overall provider for its combination of cost-effective rates and exceptional customer service. The insurer is an excellent choice for anyone seeking maximum value for their money. USAA is our top pick for veterans, active-duty military personnel and their families. It has a MoneyGeek score of 85 out of 100 and boasts the cheapest premiums in Visalia, averaging around $832 per year.
How was this MoneyGeek score calculated?
Second cheapest in the city at $932 per year
Top-notch customer service
Offers mechanical breakdown insurance (MBI) as an add-on
Mediocre claims management
Lacks original equipment manufacturer (OEM) coverage and gap insurance
GEICO earns the top spot among car insurance providers in Visalia, thanks to its combination of affordability and exceptional customer service. Additionally, it offers several valuable endorsements to enhance your protection.
One such add-on is roadside assistance coverage, which covers expenses for flat tire repair, towing, jumpstarting a dead battery and lockout assistance. Another add-on rider is GEICO's travel reimbursement coverage, which reimburses the cost of a rental car if your vehicle becomes inoperable for over 24 hours due to a covered accident.
GEICO also provides MBI that covers all parts and systems in your vehicle and is more cost-effective than many dealer warranties. Policyholders can purchase this unique coverage for new or leased vehicles under 15 months old and with less than 15,000 miles.
Best Car Insurance in Visalia for Customer Service
Based on MoneyGeek’s analysis, the following auto insurance providers in Visalia stand out for their exceptional customer service, regardless of cost:
- Chubb: MoneyGeek score of 76 out of 100 ($1,685 per year)
- Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,286 per year)
Chubb stands out as the top choice for those who prioritize customer service in Visalia. Its effective claims management results in a seamless and positive experience for policyholders. However, Chubb is the most expensive auto insurer in the city, so you pay a premium for its top-notch service.
How was this MoneyGeek score calculated?
High-quality customer service
Outstanding claims management
Automatically adds OEM coverage
Lacks roadside assistance coverage and gap insurance
MoneyGeek selected Chubb as Visalia's best auto insurance provider for drivers who value customer service. Chubb's commitment to customer satisfaction is reflected in its efficient claims management and high-quality service. The company also offers optional endorsements that provide additional protection to policyholders.
The company’s agreed value coverage allows policyholders to establish a value for their car at the start of their policy. This feature enables policyholders to receive a payout for the agreed-upon value in case of theft or total loss, which can save them a significant amount of money.
In addition, Chubb's standard policy includes coverage for OEM parts. This rare feature covers the cost of OEM parts to restore a policyholder's car to its pre-accident appearance, feel and functionality without incurring additional costs.
Best Cheap Car Insurance in Visalia
After analyzing the pricing and customer service of minimum coverage car insurance policies in California, we identified the following as the top providers in Visalia:
- GEICO: MoneyGeek score of 78 out of 100 ($332 per year)
- Progressive: MoneyGeek score of 67 out of 100 ($439 per year)
While minimum coverage policies can lead to lower premiums and immediate cost savings, they offer limited protection against liability expenses. They do not cover damages to your vehicle in the event of an accident. Thus, weighing the potential short-term savings against the long-term risks and costs associated with inadequate coverage is important.
How was this MoneyGeek score calculated?
An affordable minimum coverage policy costs $332 per year
Discounts for bundling, airbag and anti-lock brakes
Top-notch customer service reputation
Lackluster claims management
We choose GEICO as the best provider for minimum coverage car insurance in Visalia due to its cheap rates and excellent customer service. Folks looking to get the most value from their money will find that GEICO is the best option out of the city’s 15 providers.
In addition to its affordability, GEICO offers various discount opportunities that can further lower your car insurance costs. These include standard discounts for good students, bundling policies, safe driving, anti-theft systems and driver's education.
Moreover, GEICO offers unique discounts to help you save even more on your premiums. For instance, installing anti-lock brakes or daytime running lights can qualify you for a discount. Additionally, if you have a military background, are insuring a new car or always wear your seatbelt, you can benefit from additional savings.
Average Cost of Car Insurance in Visalia
Based on MoneyGeek’s research, the average cost of full coverage car insurance in Visalia is $1,179 per year as of October 2022. This cost is for a policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.
The average price of car insurance in Visalia is $208 cheaper compared to California’s average cost of car insurance. It’s also $86 more affordable compared to the national average, illustrating how location can impact your car insurance rates.
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