Cheapest and Best Car Insurance in Visalia, CA (July 2024)

In Visalia, GEICO offers the cheapest minimum coverage, while Progressive leads for full coverage and State Farm for households with teens—each differing from one another. Chubb excels in customer service, but it's Capital Insurance Group that provides the best value between price and service. Ultimately, the right insurer for you depends on your individual coverage needs and preferences.

MoneyGeek found that GEICO is the cheapest car insurance option in Visalia.

• GEICO: $376 per year
• Mercury: $436 per year

While GEICO offers the least expensive minimum coverage, Chubb holds the position for the most costly policy in Visaly, costing an annual premium of $723. This substantial rate difference, amounting to $347 more than GEICO's offer, underscores the significance of comparing car insurance quotes to secure the best deal.

For all cities in California, including Visalia, your minimum required car insurance coverage is dictated by state law. Here's the breakdown of the essentials:

• $15,000 bodily injury liability per person
  
• $30,000 bodily injury liability per accident
  
• $5,000 property damage liability per accident
  

Say you're covered by a minimum policy and you're involved in an accident causing bodily injury. Your insurance would pay up to $15,000 for a single person's injuries and $30,000 for all injuries per accident. Should costs exceed these limits, you would have to pay out of pocket.

Progressive offers the cheapest option in Visalia for cheapest full coverage car insurance, making it an ideal choice for budget-conscious drivers.

• Progressive: $1,041 per year
• GEICO: $1,068 per year

Farmers offers the most expensive full coverage policy in Visitalia with an annual premium of $1,892, a significant $851 difference from Progressive.

The enhanced full coverage policy increases the liability coverage limits. You’re looking at $100,000 for bodily injury liability per individual, a collective $100,000 for property damage liability, and a maximum of $300,000 for bodily injury liability for each incident. This upgraded plan is a 100/300/100 policy.

This kind of full coverage plan also includes comprehensive and collision insurance:

• Collision Insurance: This coverage is designed to pay for any damage your car sustains in the event it hits or is hit by another vehicle or object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This insurance takes over when your car undergoes damage from non-collision incidents, such as theft, vandalism or extreme weather conditions, natural disasters and being struck by an animal like a deer. .

Purchasers of new vehicles should strongly consider a full coverage insurance plan, With older vehicles, the cost of additional coverage might not justify the expense. The key is to strike a careful balance between costs and coverages to determine how much car insurance you need.

In Visalia, the cheapest insurance if you have a bad driving record varies based on the specific traffic offense. Here are the most affordable insurance providers by offense:

• Speeding Ticket: National General ($1,144 per year)
• At-fault accident: Capital Insurance Group ($1,536 per year)
• DUI: National General ($1,144 per year)

In contrast, the most expensive rates for these infractions are significantly higher. For instance, Hartford is the priciest after a DUI, at $4,555 annually. This exemplifies how the gravity of an offense can alter car insurance rates, with the cheapest annual rate after a DUI being $1,144.

In Visalia, and other cities alike, auto insurance rates escalate with the severity of one's driving infractions because more serious offenses increase the risk of costly claims for insurers. For example, drivers in Visilia with a speeding ticket pay an average annual premium of approximately $1,878, while those with a DUI face a significantly higher rate, averaging around $3,120.

MoneyGeek found that State Farm offers the cheapest option in Visalia for cheapest car insurance for teens, providing a significant cost advantage for families adding a teen driver to their policy.

• State Farm: $2,560 per year for female and male teens
• GEICO: $2,724 per year for female teens and $2,872 per year for male teens

These rates reflect a combined policy for two parents and a teen. The most expensive teen family policy in Visalia is from Nationwide, with an annual premium of $4,271 for female teens. This underscores the importance of comparison shopping.

In Visalia, as in other cities across the nation, young drivers face steep costs when purchasing car insurance. On average, a teen buying their own policy may encounter annual rates around $3,811, significantly higher than the $3,206 annual premium that becomes available when added to a family plan. Insurers consider teens high-risk drivers due to their relative inexperience behind the wheel. Teens may also struggle to get an individual policy.

MoneyGeek found that Progressive offers the cheapest full coverage car insurance for military backgrounds in Visalia. For veterans and active-duty military members searching for savings, here are the top two most affordable options:

• Progressive: $1,041 per year
• GEICO: $1,068 per year

While USAA did appear in the dataset with an annual premium of $1,147, it is not among the cheapest in Visalia. However, USAA caters specifically to the needs of military members.

Drivers in Visalia can use MoneyGeek's car insurance calculator to find rates. By inputting basic details such as age, driving history, credit score and coverage preferences, you can rapidly obtain tailored rate estimates.

Selecting the best auto insurance is a balancing act that hinges on your priorities, which can include service quality, cost, coverage and other factors. MoneyGeek has a distinctive scoring system for each category to help you navigate Visalia's car insurance landscape.

• Best overall: Capital Insurance Group (MoneyGeek score 82 out of 100)
• Best for service: Chubb (MoneyGeek score 94 out of 100)
• Best cheap: Mercury (MoneyGeek score 78 out of 100)

As the provider with the highest overall MoneyGeek score, Capital Insurance Group offers a good combination of service and affordability. For those prioritizing premium service regardless of cost, Chubb delivers the best-in-class experience. Meanwhile, Mercury might appeal to budget-conscious drivers looking for cost-effective premiums without significantly compromising on service.

MoneyGeek found that Capital Insurance Group is the best option in Visalia for those in search of the best car insurance.

• Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,308 per year)
• Chubb: MoneyGeek score of 81 out of 100 ($1,685 per year)

Capital Insurance Group stands out in Visalia with a commendable MoneyGeek score that signifies a fine balance between satisfaction and affordability.

MoneyGeek found that Chubb offers the best car insurance in terms of customer service for Visalia residents. This is due to it's high-ranking performance in the areas of general satisfaction, claims handling and coverage options.

• Chubb: MoneyGeek score of 94 out of 100 ($1,685 per year)
• Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,308 per year)

Chubb is the premier choice for consumers prioritizing service over cost.

MoneyGeek found that Mercury is the top provider of affordable car insurance in Visalia. Mercury stands out predominantly due to its superior satisfaction and claims handling scores, which are significant influencers of the MoneyGeek score.

• Mercury: MoneyGeek score of 78 out of 100 ($436 per year)
• GEICO: MoneyGeek score of 75 out of 100 ($376 per year)

This score applies to a minimum coverage policy, highlighting Mercury's ability to deliver quality service and affordability simultaneously.

In Visalia, California, the average cost of car insurance is $1,333. This is less than the average for the state of California. While car insurance premiums depend on many factors, including driving history and vehicle type, location plays a significant role in determining these costs.

Accident rates, theft rates and even weather conditions may vary by location. The city of Glendale has the most expensive premium at $2,433. whereas Santa Maria emerges as the least expensive at $1,251.