Compare the Cheapest Car Insurance Quotes in Visalia

Insuring a car in Visalia costs an average of $1,189 per year, which is lower than the state average. Overall, Esurance offers the cheapest average rate at $869 per year. MoneyGeek analyzed the cheapest insurers across different coverages and profiles. We also recommend the best companies that balance quality and affordability.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 5/16/2022
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The cheapest car insurance company in Visalia depends on your coverage and driver profile. The most affordable overall and for drivers with speeding tickets is Esurance. GEICO is the cheapest for state minimum coverage.

The cheapest for military families could be USAA.

MoneyGeek balanced affordability and customer service and found that AAA is the best car insurer in Visalia.

iconribbonbestauto insuranceVisalia2022

The Cheapest and Best Car Insurance in Visalia

The Cheapest Car Insurance Companies in Visalia

On average, the most affordable car insurance companies in Visalia for a full coverage policy are:

  • Esurance: $869 per year
  • Progressive: $934 per year

Esurance coverage, which is the cheapest option in the city, is approximately 75.3% less expensive than similar coverage from the most expensive option, Farmers. A full coverage policy includes comprehensive and collision insurance. Premiums may vary depending on the liability insurance limits you choose.

Cheapest Car Insurance in Visalia
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $869
  • 2.
    Progressive
    $934
  • 3.
    MetLife
    $949
  • 4.
    USAA
    $1,012
  • 5.
    GEICO
    $1,037
  • 6.
    AAA
    $1,094
  • 7.
    Allstate
    $1,182
  • 8.
    Mercury
    $1,205
  • 9.
    State Farm
    $1,282
  • 10.
    Hartford
    $1,336
  • 11.
    Allied
    $1,395
  • 12.
    Travelers
    $1,466
  • 13.
    Farmers
    $1,523

Per MoneyGeek’s methodology, the average rates collected are for a 40-year-old male driver in Visalia with a full coverage policy.

Full auto insurance coverage adds comprehensive and collision to the state minimum coverage requirements. While it tends to be more expensive than minimum coverage, it protects you against the cost of damage to your vehicle.

  • Comprehensive Insurance: Covers damages caused by certain incidents like vandalism, theft and those that are weather-related.
  • Collision Insurance: Covers damages due to collision with another object or vehicle.

Full coverage may not be necessary if you have an older car, especially if your insurance costs are higher than the car is worth. In this case, you may want to opt for liability-only or state minimum car insurance in Visalia.

Compare Car Insurance Rates in Visalia

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Visalia for Minimum Coverage

Generally, the cheapest insurance you can buy in Visalia is a minimum coverage policy. On average, the two most affordable options in the city are:

  • GEICO: $410 per year
  • Progressive: $413 per year

USAA has the cheapest average rate of $399 per year but was excluded from the rankings because only military families can buy USAA policies.

The most expensive policy from Farmers costs roughly $388 more than a policy from GEICO. Drivers looking for cheap car insurance in Visalia can get minimum coverage to save on monthly bills. However, they risk not being fully covered because this does not include comprehensive and collision insurance and tends to have low levels of liability coverage. You can toggle the table below to compare how rates may change.

Cheapest Minimum Liability Car Insurance in Visalia
State Minimum

The cheapest insurance for Visalia drivers is a policy that only meets California’s minimum car insurance. However, you will only have 15/30/5 liability coverage limits. That means you may end up paying more out of pocket after an accident.

For example, if the total medical expenses for an accident you cause is $50,000, your insurer will only cover $30,000. You will pay the remaining $20,000 out of pocket.

California Minimum Liability Requirements

  • Item
    Description
  • 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 Visalia if You Have Driving Violations

Driving violations like DUI, at-fault accidents and speeding can lead to more expensive car insurance in Visalia. MoneyGeek found the most affordable option depending on the type of violation.

On average, the following companies offer the cheapest rates for certain violations:

  • Cheapest after a ticket: Esurance at $1,095 per year
  • Cheapest after an at-fault accident: Esurance at $1,346 per year
  • Cheapest after a DUI: Mercury at $1,977 per year

Drivers with poor records can improve their records over time to get more affordable insurance rates. In the meantime, the best way to find cheap car insurance for drivers with bad records is to shop around.

Cheapest Car Insurance in Visalia With a Violation
Speeding Ticket

Average Cost of Car Insurance in Visalia

Visalia$1,189
California$1,429
U.S.$1,424

The average car insurance rate in Visalia is $1,189 per year. This is lower than the average rates on the state and national levels. Visalia drivers typically pay 16.8% less than the state annual average and 16.5% cheaper than the average cost of car insurance in the United States.

Personalized Quotes to Get You the Cheapest Car Insurance in Visalia

Insurance providers calculate car insurance quotes in Visalia based on several factors, including car make and model, coverage level, age, gender and location. By comparing personalized quotes regularly, you can find the most affordable and suitable policy as your circumstances change.

Compare Car Insurance Rates in Visalia

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Visalia

The best car insurance in Visalia balances affordability and quality service. MoneyGeek ranked the top insurers in the city and found that the best companies are:

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

USAA got the highest score in Visalia. However, it is not listed as best overall since its policies are only available to military families.

MoneyGeek calculated scores based on J.D. Power user satisfaction, affordability and financial stability.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Average Cost of Car Insurance by Postal Code

Depending on where you live in Visalia, the cheapest car insurance may vary. This is because of differences in car theft incidents, accident statistics and other location-specific factors.

The cheapest neighborhood in Visalia, 93277, has an average car insurance rate of $1,176. That is $26 less than the average cost of insurance in 93291, the most expensive neighborhood.

  • Zip Code
    State Minimumper year
  • 93277
    $1,176
  • 93291
    $1,202

Factors That Impact Insurance Costs in Visalia

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 Visalia. How Visalia ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities217th/300
handcuffs2 icon
Most Car Thefts248th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall57th/300
umbrella icon
Most Rainy Days82nd/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Visalia 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.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.