Compare Rates and Save on Auto Insurance

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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.

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2023

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.

Company
Annual Premium
Monthly Premium

GEICO

$327

$27

GEICO

$332

$28

State Farm

$352

$29

GEICO

$390

$33

AAA California

$415

$35

Mercury

$433

$36

AAA California

$434

$36

Progressive

$439

$37

Progressive

$445

$37

Mercury

$446

$37

Kemper

$450

$38

State Farm

$464

$39

National General

$476

$40

Nationwide

$479

$40

National General

$490

$41

Travelers

$495

$41

Travelers

$496

$41

Nationwide

$497

$41

Hartford

$498

$41

State National

$512

$43

Kemper

$518

$43

Progressive

$520

$43

State National

$526

$44

AAA California

$528

$44

State Farm

$530

$44

Mercury

$547

$46

Allstate

$559

$47

Travelers

$561

$47

Allstate

$567

$47

Hartford

$567

$47

Farmers

$576

$48

National General

$586

$49

Farmers

$591

$49

Capital Insurance Group

$601

$50

Allstate

$606

$50

State National

$615

$51

Nationwide

$620

$52

Capital Insurance Group

$622

$52

Farmers

$671

$56

Kemper

$684

$57

Capital Insurance Group

$697

$58

Chubb

$723

$60

Hartford

$731

$61

Chubb

$745

$62

State Farm

$870

$73

National General

$889

$74

GEICO

$899

$75

National General

$900

$75

GEICO

$932

$78

AAA California

$991

$83

Progressive

$998

$83

Progressive

$999

$83

AAA California

$1,012

$84

Chubb

$1,031

$86

Allstate

$1,046

$87

Mercury

$1,058

$88

Nationwide

$1,072

$89

National General

$1,074

$90

GEICO

$1,075

$90

Mercury

$1,081

$90

Allstate

$1,113

$93

State Farm

$1,114

$93

Hartford

$1,119

$93

Nationwide

$1,160

$97

State National

$1,165

$97

Kemper

$1,171

$98

Progressive

$1,201

$100

Capital Insurance Group

$1,215

$101

Allstate

$1,227

$102

State National

$1,255

$105

Hartford

$1,282

$107

Capital Insurance Group

$1,286

$107

State Farm

$1,303

$109

AAA California

$1,327

$111

Travelers

$1,328

$111

Travelers

$1,396

$116

Mercury

$1,406

$117

Kemper

$1,434

$119

Capital Insurance Group

$1,448

$121

Farmers

$1,450

$121

Farmers

$1,483

$124

Nationwide

$1,496

$125

State National

$1,538

$128

Travelers

$1,647

$137

Hartford

$1,651

$138

Chubb

$1,685

$140

Chubb

$1,740

$145

Kemper

$1,743

$145

Farmers

$1,755

$146

Chubb

$2,477

$206

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.

Company
Annual Premium
Monthly Premium

GEICO

$327

$27

GEICO

$332

$28

State Farm

$352

$29

GEICO

$390

$33

AAA California

$415

$35

Mercury

$433

$36

AAA California

$434

$36

Progressive

$439

$37

Progressive

$445

$37

Mercury

$446

$37

Kemper

$450

$38

State Farm

$464

$39

National General

$476

$40

Nationwide

$479

$40

National General

$490

$41

Travelers

$495

$41

Travelers

$496

$41

Nationwide

$497

$41

Hartford

$498

$41

State National

$512

$43

Kemper

$518

$43

Progressive

$520

$43

State National

$526

$44

AAA California

$528

$44

State Farm

$530

$44

Mercury

$547

$46

Allstate

$559

$47

Travelers

$561

$47

Allstate

$567

$47

Hartford

$567

$47

Farmers

$576

$48

National General

$586

$49

Farmers

$591

$49

Capital Insurance Group

$601

$50

Allstate

$606

$50

State National

$615

$51

Nationwide

$620

$52

Capital Insurance Group

$622

$52

Farmers

$671

$56

Kemper

$684

$57

Capital Insurance Group

$697

$58

Chubb

$723

$60

Hartford

$731

$61

Chubb

$745

$62

State Farm

$870

$73

National General

$889

$74

GEICO

$899

$75

National General

$900

$75

GEICO

$932

$78

AAA California

$991

$83

Progressive

$998

$83

Progressive

$999

$83

AAA California

$1,012

$84

Chubb

$1,031

$86

Allstate

$1,046

$87

Mercury

$1,058

$88

Nationwide

$1,072

$89

National General

$1,074

$90

GEICO

$1,075

$90

Mercury

$1,081

$90

Allstate

$1,113

$93

State Farm

$1,114

$93

Hartford

$1,119

$93

Nationwide

$1,160

$97

State National

$1,165

$97

Kemper

$1,171

$98

Progressive

$1,201

$100

Capital Insurance Group

$1,215

$101

Allstate

$1,227

$102

State National

$1,255

$105

Hartford

$1,282

$107

Capital Insurance Group

$1,286

$107

State Farm

$1,303

$109

AAA California

$1,327

$111

Travelers

$1,328

$111

Travelers

$1,396

$116

Mercury

$1,406

$117

Kemper

$1,434

$119

Capital Insurance Group

$1,448

$121

Farmers

$1,450

$121

Farmers

$1,483

$124

Nationwide

$1,496

$125

State National

$1,538

$128

Travelers

$1,647

$137

Hartford

$1,651

$138

Chubb

$1,685

$140

Chubb

$1,740

$145

Kemper

$1,743

$145

Farmers

$1,755

$146

Chubb

$2,477

$206

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.

Company
Annual Premium
Monthly Premium

GEICO

$499

$42

National General

$502

$42

National General

$502

$42

GEICO

$505

$42

National General

$518

$43

National General

$518

$43

State Farm

$533

$44

AAA California

$550

$46

State Farm

$558

$46

Mercury

$558

$47

Mercury

$572

$48

AAA California

$576

$48

GEICO

$586

$49

GEICO

$592

$49

GEICO

$594

$50

Kemper

$597

$50

National General

$618

$52

National General

$618

$52

AAA California

$657

$55

Capital Insurance Group

$664

$55

Kemper

$688

$57

AAA California

$688

$57

Capital Insurance Group

$689

$57

Capital Insurance Group

$694

$58

GEICO

$698

$58

Mercury

$698

$58

AAA California

$704

$59

Hartford

$704

$59

Hartford

$704

$59

State Farm

$705

$59

Mercury

$706

$59

National General

$712

$59

Mercury

$717

$60

Capital Insurance Group

$719

$60

State National

$721

$60

State National

$721

$60

National General

$733

$61

State Farm

$736

$61

Nationwide

$738

$62

State National

$743

$62

State National

$743

$62

Travelers

$756

$63

Travelers

$756

$63

Nationwide

$766

$64

Allstate

$770

$64

Capital Insurance Group

$773

$64

Mercury

$775

$65

Allstate

$782

$65

Progressive

$783

$65

Farmers

$784

$65

Farmers

$784

$65

GEICO

$792

$66

Progressive

$796

$66

Mercury

$797

$66

GEICO

$802

$67

Farmers

$805

$67

Farmers

$805

$67

State Farm

$806

$67

Capital Insurance Group

$808

$67

Hartford

$814

$68

Hartford

$814

$68

Nationwide

$821

$68

Allstate

$841

$70

State Farm

$841

$70

AAA California

$841

$70

Travelers

$842

$70

Travelers

$845

$70

Nationwide

$851

$71

Progressive

$863

$72

Travelers

$865

$72

State National

$871

$73

State National

$871

$73

Progressive

$878

$73

National General

$879

$73

Allstate

$883

$74

Mercury

$884

$74

Allstate

$898

$75

Kemper

$910

$76

Farmers

$915

$76

Farmers

$915

$76

Chubb

$926

$77

National General

$932

$78

National General

$932

$78

Progressive

$939

$78

Progressive

$941

$78

National General

$943

$79

National General

$943

$79

GEICO

$946

$79

Chubb

$949

$79

Nationwide

$960

$80

Progressive

$961

$80

Allstate

$966

$81

Travelers

$966

$81

Farmers

$979

$82

Mercury

$984

$82

Farmers

$1,006

$84

Travelers

$1,010

$84

Travelers

$1,011

$84

Kemper

$1,015

$85

Kemper

$1,015

$85

Progressive

$1,037

$86

Capital Insurance Group

$1,041

$87

Nationwide

$1,070

$89

Hartford

$1,078

$90

Hartford

$1,078

$90

Capital Insurance Group

$1,079

$90

State Farm

$1,099

$92

Chubb

$1,123

$94

National General

$1,127

$94

National General

$1,127

$94

Progressive

$1,135

$95

Farmers

$1,144

$95

Chubb

$1,145

$95

Travelers

$1,164

$97

Capital Insurance Group

$1,212

$101

Kemper

$1,232

$103

Kemper

$1,232

$103

Chubb

$1,234

$103

AAA California

$1,276

$106

State Farm

$1,288

$107

State National

$1,295

$108

Nationwide

$1,299

$108

AAA California

$1,304

$109

National General

$1,311

$109

National General

$1,327

$111

State National

$1,335

$111

GEICO

$1,346

$112

Nationwide

$1,349

$112

State Farm

$1,350

$112

Capital Insurance Group

$1,386

$116

Mercury

$1,393

$116

GEICO

$1,395

$116

AAA California

$1,417

$118

Capital Insurance Group

$1,423

$119

Mercury

$1,427

$119

Chubb

$1,432

$119

State Farm

$1,452

$121

Chubb

$1,452

$121

Capital Insurance Group

$1,471

$123

Chubb

$1,474

$123

AAA California

$1,486

$124

AAA California

$1,499

$125

GEICO

$1,500

$125

Capital Insurance Group

$1,508

$126

Allstate

$1,513

$126

AAA California

$1,516

$126

GEICO

$1,551

$129

Kemper

$1,552

$129

Kemper

$1,553

$129

Kemper

$1,553

$129

State National

$1,575

$131

Allstate

$1,578

$131

National General

$1,588

$132

Allstate

$1,608

$134

GEICO

$1,609

$134

Allstate

$1,615

$135

State Farm

$1,652

$138

State National

$1,653

$138

State National

$1,653

$138

Nationwide

$1,655

$138

Hartford

$1,655

$138

Hartford

$1,657

$138

Hartford

$1,657

$138

Capital Insurance Group

$1,657

$138

State Farm

$1,658

$138

Capital Insurance Group

$1,698

$142

Nationwide

$1,701

$142

AAA California

$1,713

$143

State Farm

$1,730

$144

Allstate

$1,735

$145

Mercury

$1,743

$145

Chubb

$1,761

$147

State National

$1,781

$148

State National

$1,781

$148

Mercury

$1,784

$149

Allstate

$1,788

$149

GEICO

$1,791

$149

Nationwide

$1,793

$149

AAA California

$1,824

$152

Nationwide

$1,840

$153

Mercury

$1,861

$155

Mercury

$1,866

$156

Progressive

$1,877

$156

Progressive

$1,878

$157

Allstate

$1,881

$157

Kemper

$1,903

$159

Mercury

$1,903

$159

Hartford

$1,908

$159

Hartford

$1,908

$159

State Farm

$1,930

$161

Hartford

$1,952

$163

AAA California

$1,997

$166

Nationwide

$1,997

$166

Farmers

$2,002

$167

Farmers

$2,002

$167

Travelers

$2,002

$167

Allstate

$2,017

$168

State Farm

$2,021

$168

Progressive

$2,044

$170

Farmers

$2,048

$171

Farmers

$2,048

$171

Progressive

$2,049

$171

Travelers

$2,095

$175

GEICO

$2,140

$178

Capital Insurance Group

$2,167

$181

State National

$2,186

$182

State National

$2,186

$182

Chubb

$2,206

$184

GEICO

$2,216

$185

Travelers

$2,229

$186

Allstate

$2,242

$187

Chubb

$2,261

$188

Progressive

$2,270

$189

Capital Insurance Group

$2,301

$192

Kemper

$2,316

$193

Nationwide

$2,323

$194

Mercury

$2,326

$194

Travelers

$2,326

$194

Progressive

$2,329

$194

Progressive

$2,336

$195

Farmers

$2,425

$202

Farmers

$2,425

$202

Progressive

$2,474

$206

Mercury

$2,479

$207

Hartford

$2,484

$207

Hartford

$2,484

$207

Travelers

$2,499

$208

Farmers

$2,501

$208

GEICO

$2,558

$213

Farmers

$2,560

$213

Kemper

$2,570

$214

Kemper

$2,570

$214

Nationwide

$2,591

$216

Capital Insurance Group

$2,593

$216

Hartford

$2,663

$222

State Farm

$2,668

$222

Chubb

$2,709

$226

Chubb

$2,763

$230

Travelers

$2,775

$231

Travelers

$2,779

$232

Progressive

$2,823

$235

Travelers

$2,913

$243

Nationwide

$2,920

$243

Chubb

$2,998

$250

Farmers

$3,030

$252

AAA California

$3,046

$254

State National

$3,074

$256

AAA California

$3,097

$258

Nationwide

$3,171

$264

Kemper

$3,241

$270

Kemper

$3,241

$270

Allstate

$3,297

$275

State National

$3,318

$277

State Farm

$3,421

$285

Chubb

$3,502

$292

Travelers

$3,503

$292

Allstate

$3,535

$295

Chubb

$3,548

$296

Chubb

$3,602

$300

Kemper

$3,844

$320

Kemper

$3,844

$320

Allstate

$3,929

$327

Hartford

$3,948

$329

State Farm

$3,996

$333

AAA California

$4,083

$340

State National

$4,088

$341

Nationwide

$4,132

$344

Chubb

$4,340

$362

Hartford

$4,595

$383

Hartford

$6,090

$508

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,204

$1,928

GEICO

$1,232

$1,974

GEICO

$1,234

$2,174

GEICO

$1,248

$2,074

GEICO

$1,262

$2,022

GEICO

$1,269

$2,234

GEICO

$1,287

$2,361

GEICO

$1,303

$2,295

GEICO

$1,429

$2,129

GEICO

$1,476

$2,432

Nationwide

$1,485

$3,068

Nationwide

$1,485

$3,068

Kemper

$1,527

$3,066

Kemper

$1,527

$3,066

Progressive

$1,533

$2,437

Progressive

$1,533

$2,437

Kemper

$1,613

$3,237

Kemper

$1,613

$3,237

Capital Insurance Group

$1,625

$2,077

Capital Insurance Group

$1,625

$2,077

Nationwide

$1,628

$3,364

Nationwide

$1,628

$3,364

Allstate

$1,636

$2,649

Allstate

$1,636

$2,649

Progressive

$1,659

$2,638

Progressive

$1,659

$2,638

Nationwide

$1,680

$3,848

Nationwide

$1,680

$3,848

Kemper

$1,698

$3,807

Kemper

$1,698

$3,807

Allstate

$1,712

$2,773

Allstate

$1,712

$2,773

Nationwide

$1,745

$3,606

Nationwide

$1,745

$3,606

Kemper

$1,754

$3,521

Kemper

$1,754

$3,521

Allstate

$1,756

$3,081

Allstate

$1,756

$3,081

State Farm

$1,767

$2,591

State Farm

$1,767

$2,591

Allstate

$1,774

$2,873

Allstate

$1,774

$2,873

Progressive

$1,775

$3,260

Progressive

$1,775

$3,260

State Farm

$1,839

$2,695

State Farm

$1,839

$2,695

GEICO

$1,839

$3,095

Capital Insurance Group

$1,850

$2,461

Capital Insurance Group

$1,850

$2,461

Progressive

$1,859

$2,955

Progressive

$1,859

$2,955

State Farm

$1,871

$2,924

State Farm

$1,871

$2,924

Farmers

$1,873

$2,676

Farmers

$1,873

$2,676

State Farm

$1,881

$2,757

State Farm

$1,881

$2,757

Allstate

$1,882

$3,095

Allstate

$1,882

$3,095

GEICO

$1,912

$3,570

Capital Insurance Group

$1,925

$2,461

Capital Insurance Group

$1,925

$2,461

Capital Insurance Group

$1,925

$2,461

Capital Insurance Group

$1,925

$2,461

Nationwide

$1,966

$4,218

Nationwide

$1,966

$4,218

Kemper

$1,966

$4,036

Kemper

$1,966

$4,036

State Farm

$2,004

$2,981

State Farm

$2,004

$2,981

GEICO

$2,012

$2,998

Travelers

$2,012

$2,721

Travelers

$2,012

$2,721

Travelers

$2,083

$2,817

Travelers

$2,083

$2,817

GEICO

$2,092

$3,446

Farmers

$2,098

$3,104

Farmers

$2,098

$3,104

Travelers

$2,126

$3,023

Travelers

$2,126

$3,023

State Farm

$2,128

$3,319

State Farm

$2,128

$3,319

Kemper

$2,130

$4,372

Kemper

$2,130

$4,372

State Farm

$2,147

$3,193

State Farm

$2,147

$3,193

Kemper

$2,148

$4,820

Kemper

$2,148

$4,820

Capital Insurance Group

$2,149

$2,768

Capital Insurance Group

$2,149

$2,768

Allstate

$2,158

$3,945

Allstate

$2,158

$3,945

Travelers

$2,171

$2,935

Travelers

$2,171

$2,935

Farmers

$2,173

$3,104

Farmers

$2,173

$3,104

Farmers

$2,173

$3,104

Farmers

$2,173

$3,104

Allstate

$2,194

$3,608

Allstate

$2,194

$3,608

Progressive

$2,202

$3,575

Progressive

$2,202

$3,575

Capital Insurance Group

$2,228

$2,768

Capital Insurance Group

$2,228

$2,768

Farmers

$2,347

$3,559

Farmers

$2,347

$3,559

State Farm

$2,364

$4,209

State Farm

$2,364

$4,209

Travelers

$2,371

$3,173

Travelers

$2,371

$3,173

Capital Insurance Group

$2,386

$3,073

Capital Insurance Group

$2,386

$3,073

Nationwide

$2,423

$5,831

Nationwide

$2,423

$5,831

State Farm

$2,507

$4,462

State Farm

$2,507

$4,462

Farmers

$2,536

$4,099

Farmers

$2,536

$4,099

GEICO

$2,541

$4,476

Farmers

$2,560

$3,883

Farmers

$2,560

$3,883

State Farm

$2,560

$5,000

State Farm

$2,560

$5,000

Travelers

$2,573

$3,661

Travelers

$2,573

$3,661

Nationwide

$2,584

$5,544

Nationwide

$2,584

$5,544

Travelers

$2,613

$3,496

Travelers

$2,613

$3,496

GEICO

$2,663

$5,203

Farmers

$2,670

$5,282

Farmers

$2,670

$5,282

GEICO

$2,724

$4,998

Farmers

$2,736

$5,524

Farmers

$2,736

$5,524

Farmers

$2,745

$5,428

Farmers

$2,745

$5,428

Progressive

$2,745

$5,060

Progressive

$2,745

$5,060

GEICO

$2,794

$4,922

GEICO

$2,872

$5,882

Allstate

$2,880

$5,672

Allstate

$2,880

$5,672

Progressive

$2,917

$4,737

Progressive

$2,917

$4,737

GEICO

$2,941

$5,745

Allstate

$2,983

$5,975

Allstate

$2,983

$5,975

Allstate

$3,034

$5,975

Allstate

$3,034

$5,975

Capital Insurance Group

$3,062

$3,803

Capital Insurance Group

$3,062

$3,803

Capital Insurance Group

$3,062

$3,803

Capital Insurance Group

$3,062

$3,803

Capital Insurance Group

$3,062

$3,803

Capital Insurance Group

$3,062

$3,803

Progressive

$3,168

$6,433

Progressive

$3,168

$6,433

Progressive

$3,188

$6,489

Progressive

$3,188

$6,489

Progressive

$3,201

$6,499

Progressive

$3,201

$6,499

Kemper

$3,240

$6,581

Kemper

$3,240

$6,581

Travelers

$3,439

$4,615

Travelers

$3,439

$4,615

Kemper

$3,550

$7,210

Kemper

$3,550

$7,210

Kemper

$3,582

$8,036

Kemper

$3,582

$8,036

Travelers

$3,593

$4,822

Travelers

$3,593

$4,822

Travelers

$3,601

$5,060

Travelers

$3,601

$5,060

Nationwide

$3,681

$7,883

Nationwide

$3,681

$7,883

Nationwide

$4,138

$8,863

Nationwide

$4,138

$8,863

Nationwide

$4,271

$10,697

Nationwide

$4,271

$10,697

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.

Company
Annual Premium
Monthly Premium

GEICO

$327

$27

GEICO

$332

$28

USAA

$346

$29

USAA

$347

$29

State Farm

$352

$29

GEICO

$390

$33

AAA California

$415

$35

USAA

$416

$35

Mercury

$433

$36

AAA California

$434

$36

Progressive

$439

$37

Progressive

$445

$37

Mercury

$446

$37

Kemper

$450

$38

State Farm

$464

$39

National General

$476

$40

Nationwide

$479

$40

National General

$490

$41

Travelers

$495

$41

Travelers

$496

$41

Nationwide

$497

$41

Hartford

$498

$41

State National

$512

$43

Kemper

$518

$43

Progressive

$520

$43

State National

$526

$44

AAA California

$528

$44

State Farm

$530

$44

Mercury

$547

$46

Allstate

$559

$47

Travelers

$561

$47

Allstate

$567

$47

Hartford

$567

$47

Farmers

$576

$48

National General

$586

$49

Farmers

$591

$49

Capital Insurance Group

$601

$50

Allstate

$606

$50

State National

$615

$51

Nationwide

$620

$52

Capital Insurance Group

$622

$52

Farmers

$671

$56

Kemper

$684

$57

Capital Insurance Group

$697

$58

Chubb

$723

$60

Hartford

$731

$61

Chubb

$745

$62

USAA

$812

$68

USAA

$832

$69

State Farm

$870

$73

National General

$889

$74

GEICO

$899

$75

National General

$900

$75

GEICO

$932

$78

AAA California

$991

$83

USAA

$992

$83

Progressive

$998

$83

Progressive

$999

$83

AAA California

$1,012

$84

Chubb

$1,031

$86

Allstate

$1,046

$87

Mercury

$1,058

$88

Nationwide

$1,072

$89

National General

$1,074

$90

GEICO

$1,075

$90

Mercury

$1,081

$90

Allstate

$1,113

$93

State Farm

$1,114

$93

Hartford

$1,119

$93

Nationwide

$1,160

$97

State National

$1,165

$97

Kemper

$1,171

$98

Progressive

$1,201

$100

Capital Insurance Group

$1,215

$101

Allstate

$1,227

$102

State National

$1,255

$105

Hartford

$1,282

$107

Capital Insurance Group

$1,286

$107

State Farm

$1,303

$109

AAA California

$1,327

$111

Travelers

$1,328

$111

Travelers

$1,396

$116

Mercury

$1,406

$117

Kemper

$1,434

$119

Capital Insurance Group

$1,448

$121

Farmers

$1,450

$121

Farmers

$1,483

$124

Nationwide

$1,496

$125

State National

$1,538

$128

Travelers

$1,647

$137

Hartford

$1,651

$138

Chubb

$1,685

$140

Chubb

$1,740

$145

Kemper

$1,743

$145

Farmers

$1,755

$146

Chubb

$2,477

$206

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.

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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?

GEICO

pros

Second cheapest in the city at $932 per year

Top-notch customer service

Offers mechanical breakdown insurance (MBI) as an add-on

cons

Mediocre claims management

Lacks original equipment manufacturer (OEM) coverage and gap insurance

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's GEICO Auto Insurance Review

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?

Chubb

pros

High-quality customer service

Outstanding claims management

Automatically adds OEM coverage

cons

Lacks roadside assistance coverage and gap insurance

COMPANY HIGHLIGHTS

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?

GEICO

pros

An affordable minimum coverage policy costs $332 per year

Discounts for bundling, airbag and anti-lock brakes

Top-notch customer service reputation

cons

Lackluster claims management

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's GEICO Auto Insurance Review

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.