Cheapest and Best Car Insurance Companies in Visalia, CA

Based on the latest 2023 quotes, GEICO provides the cheapest minimum coverage car insurance in Visalia, California. It’s also the best insurer in the city, offering a combination of quality service and competitive pricing.

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 + BestCar InsuranceVisalia

2023

Cheapest and Best Car Insurance in Visalia, CA

Cheapest Overall - GEICO

Cheapest Full Coverage - National General

Cheapest After Driving Offense - National General

Cheapest for Teens - State Farm

Cheapest for Military - USAA

Best Overall - GEICO

Best for Customer Service - Chubb

Best Cheap - GEICO

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.

Age Group

Coverage

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.

Age Group

Coverage

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.

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.

Age Group

Coverage

Incident

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.

Age

Gender

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.

Age Group

Coverage

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.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

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?

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?

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?

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 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.

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Cheapest and Best Car Insurance Companies in Visalia, CA

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On This Page:

Cheapest Minimum Liability Car Insurance in Visalia

Cheapest Full Coverage Car Insurance in Visalia

Cheapest Car Insurance in Visalia After a Driving Offense

Cheapest Car Insurance in Visalia for Teens and Their Families

Cheapest Car Insurance in Visalia for Military Drivers

How to Compare Cheap Visalia Car Insurance Quotes Online

Best Car Insurance in Visalia: Summary

Best Overall Car Insurance in Visalia

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Visalia for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Visalia

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Visalia