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Cheap Car Insurance in Visalia, CA

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When it comes to nature, Visalia, CA, is one of the most underappreciated gems in the country. Located in the middle of the San Joaquin Valley with the Sierra Nevada mountains as its backdrop, it offers a rich small-town feel, drawing in visitors who appreciate a compelling mix of arts, entertainment, and nature.

In addition to being the entry point for the Sequoia and Kings Canyon national parks, it is also home to one of the largest agricultural regions in the United States. A popular off-the-beaten-path itinerary in this captivating region is to take in Kings Canyon, stargaze in Sequoia National Park, and bike down the Blossom Trail route with its rich fruit orchards and endless rows of small farms feeding America one orange at a time.

All in all, Visalia is a nature-lover’s dream in more ways than one.

Quick Facts

  • The average annual cost of full coverage car insurance in Visalia is $1,908 and $564 for the state-required minimum or liablity coverage.
  • In 2019, there were eight total fatal car crashes in Visalia.

How Much Does Car Insurance Cost in Visalia, CA?

On average, car insurance in Visalia costs $1,908 per year for full coverage. This is higher than the U.S. national average of $1,674 and lower than the California average by roughly $150 per month. Your exact California Car Insurance cost will depend on several factors, including your age, gender, zip code of residence, annual mileage, and participation in loyalty and driver safety programs.

Understanding your options is critical when it comes to choosing car insurance. If you choose the state-required minimum, your insurance policy will pay for the other driver’s injuries and property damage if you are at fault. You’ll be left paying for your own injuries and damage out of your pocket.

With full coverage, you’ll have comprehensive, collision, and the state-required minimum liability, meaning you will have financial help for your property damage and injuries.

Choosing a higher deductible can save you money on your premium and the higher your liability limits, the greater your peace of mind in the event of an accident.

California is an expensive state when it comes to car insurance. How does Visalia stack up to other cities?

City Average Monthly Cost for Full Coverage/State Required Minimum Car Insurance or Liability Coverage
Los Angeles $297/$83
Fresno $196/$57
San Francisco $203/$56
San Diego $170/$47

Visalia Affordable Car Insurance Rates by Zip Code

In Visalia, rates vary among zip codes. One zip code may have more car accidents, thefts, acts of vandalism, and other factors that affect premiums more than other zip codes. In short, the higher the likelihood of an accident, the higher the rates are.

Visalia has three zip codes. Here are the average monthly rates for each zip code:

Zip Code Average Monthly Car Insurance Rate for Full Coverage/State Required Minimum or Liability Coverage
93277 $159/$47
93291 $165/$47
93292 $164/$46

Visalia Low Cost Car Insurance Rates by Age

A driver’s age is a heavy factor when determining their premiums cost. Visalia drivers aged 16 to 19 can expect to pay nearly three times the average monthly rate as drivers in their 40s and 50s.

Here is a breakdown of the average car insurance rate by age in Visalia, California:

Age Average Monthly Car Insurance Rate for Full Coverage/State Required Minimum or Liability Coverage
18 $507/$155
20 $352/$100
30 $159/$47
40 $150/$45
50 $132/$42
60 $125/$40
70 $132/$44

Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.

Driving Conditions in Visalia

How Many Fatal Accidents Happen in Visalia?

In 2019, there were eight total fatal car crashes in Visalia. Of these accidents, 10 total vehicles were involved, with two fatal accidents involving drunk persons.

How Are the Road Infrastructure and Bridges in Visalia?

In 2021, Visalia acted heavily on capital improvement projects. One of its hallmark projects is a new traffic management system, St. John’s Riparian Trail, airport terminal roof replacements, and road sealing projects along heavily populated streets and avenues. Other projects have focused on widening the Highway 198 interchange, finalizing Riverway Sports Park, and the repair and upkeep of pedestrian bridges, traffic signals, and trails.

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Minimum Car Insurance Requirements in Visalia

Every Visalia driver is required to have car insurance with set minimum liability requirements.

Here are the state minimum liability requirements for California:

  • Bodily Injury Liability: $15,000 per person
  • Bodily Injury Liability: $30,000 per accident
  • Property Damage Liability: $5,000 per accident

California is an at-fault state. This means affected drivers have the right to file claims through the opposing party’s insurance and sue for all damages, including medical bills and loss of income.

If you are on the market to lease a new vehicle, we highly recommend checking with your lender or finance company on insurance requirements. Some lending companies require higher minimum liability limits than the state. If left unchecked, the sum of your monthly premiums and lease payments could become unmanageable.

What Are the Penalties for Driving Without Insurance in Visalia?

Drivers caught driving without insurance in Visalia can expect to pay serious fines. Unlike other states, California is heavy on penalty assessments, which are tacked onto your fines and fees.

First-time offenders pay between $100 and $200 plus penalty assessments. Repeat offenders pay a maximum of $500 plus penalty assessments. In addition, drivers can expect car impoundment and rising annual premiums.

Additionally, if you drive without insurance and are determined to be at fault for an accident, expect out-of-pocket payment toward expenses, rife with administrative fees, medical bills, potential income loss claims, and other damages. On top of that, drivers are required to file for SR-22 insurance, which assesses higher premiums than normal coverage.

Remember, the state of California and insurance companies work together to determine new/active/lapsed coverage on every registered vehicle. Even a single day of lapsed insurance could result in a suspended registration.

Factors Allowed in Visalia Car Insurance Rates

Every insurer conducts a risk profile for every driver, factoring in age, gender, claims record, marital status, credit score, and more than a dozen other qualifiers to determine rates. Drivers with low-risk profiles pay considerably smaller rates than drivers with higher risk profiles.

Here are some other factors that affect Visalia car insurance rates:

  • Vehicle Attributes (e.g., anti-theft device, anti-lock brake installation)
  • Policy Discounts (e.g., bundling multi-policy, paid-in-full reductions, enrollment in paperless billing and autopay)
  • Driver Status (e.g., good student, senior, and military personnel discounts)

Be sure to keep insurance costs low by finding out what discounts you may be eligible for by contacting your auto insurance provider every six months to a year.

Discounts for Car Insurance in Visalia

Visalia drivers can save money on car insurance by being eligible for discounts. Some of the more popular discounts include:

  • Money in hand icon

    Loyalty discounts

  • Blue icon of a blue car

    Safe vehicle discounts

  • Green icon of a military man

    Military discounts

  • Blue icon of a graduation cap

    Good student discounts

  • Pink icon of a document with a checklist

    Bundling discounts

  • Graphic of a man driving a car

    Low mileage discounts

Driving less than 7,500 miles a year will kick in additional discounts. Also, driving an older make and model vehicle will cost less to insure.

One of our favorite discounts is defensive driving discounts. Defensive driving discounts award drivers who take defensive driving lessons, covering all road safety topics from driving on slippery roads to managing distance between your front bumper and the vehicle in front of you.

Do not be afraid to ask your insurance company for discounts. A simple phone call could mean $30 shaved off your monthly premium.

Get a Quote for Cheap Auto Insurance in Visalia Today!

Citrus groves in Visalia, CA
State law in California requires all drivers to carry insurance. Even a few days of lapsed insurance could prompt your insurance company to notify the state with the potential for fines and other administrative costs.

Freeway Insurance is ready to help you find the right auto insurance policy for you and your family. We welcome you to request a quote online, visit us at a nearby Visalia office, or call us at (800) 777-5620 for a free, no-obligation quote with one of our friendly agents.