Compare Tracy, CA Car Insurance Rates (2021)

Car insurance in Tracy, CA averages $299 a month. Tracy, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Tracy car insurance rates, compare quotes from the top car insurance companies in Tracy, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Tracy is USAA
  • The cheapest car insurance company in Tracy for teen drivers is USAA
  • Average car insurance rates in Tracy, CA are $3,588/year

If you need to buy Tracy, California car insurance, the options can be confusing. Everything you need to know about car insurance in Tracy, CA is right here.

You’ll find Tracy car insurance rates, the cheapest Tracy, CA car insurance companies, and information on California car insurance laws. You can also compare Tracy, California car insurance rates to Oakland car insurance rates, San Diego car insurance rates, and Bakersfield car insurance rates.

Ready to find affordable Tracy, CA car insurance today? Enter your ZIP code for fast, free Tracy car insurance quotes.

Cheapest Tracy, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Tracy, CA car insurance rates? Every Tracy, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Tracy, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,840 $2,842 $2,072 $2,092 $7,906 $9,945 $3,635 $3,993
Farmers $2,599 $2,599 $2,340 $2,340 $8,271 $13,573 $3,078 $3,425
GEICO $1,813 $1,815 $1,707 $1,707 $5,486 $5,583 $2,600 $2,663
Liberty Mutual $2,192 $2,071 $2,035 $1,972 $4,713 $5,038 $2,464 $2,493
Nationwide $3,150 $3,009 $2,758 $2,601 $7,977 $8,815 $3,756 $3,712
Progressive $1,749 $1,800 $1,493 $1,770 $4,688 $5,644 $2,526 $2,716
State Farm $3,327 $3,327 $2,972 $2,972 $6,110 $7,577 $3,683 $3,797
Travelers $2,357 $2,284 $2,083 $2,061 $4,830 $5,531 $3,057 $2,996
USAA $1,905 $1,805 $1,858 $1,865 $4,355 $4,377 $2,634 $2,489

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Minimum Car Insurance in Tracy, CA

Every driver must carry the minimum car insurance in Tracy, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Tracy, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Tracy, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Tracy, CA to rates for a clean record with top companies.

Annual Tracy, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,661 $4,478 $7,031 $3,492
Farmers $3,531 $4,810 $5,995 $4,777
GEICO $2,045 $3,145 $3,959 $2,537
Liberty Mutual $2,492 $3,340 $3,016 $2,642
Nationwide $3,121 $4,001 $6,767 $4,001
Progressive $1,830 $3,115 $3,611 $2,637
State Farm $3,010 $3,591 $6,786 $3,494
Travelers $2,112 $3,417 $3,978 $3,092
USAA $1,768 $2,632 $4,308 $1,937

Cheapest Tracy, CA Car Insurance for Teen Drivers

Teen car insurance in Tracy, CA can be expensive. Take a look at rates from the top car insurance companies in Tracy for teenagers.

Annual Car Insurance Rates for Teen Drivers in Tracy, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,906 $9,945
Farmers $8,271 $13,573
GEICO $5,486 $5,583
Liberty Mutual $4,713 $5,038
Nationwide $7,977 $8,815
Progressive $4,688 $5,644
State Farm $6,110 $7,577
Travelers $4,830 $5,531
USAA $4,355 $4,377

Cheapest Tracy, CA Car Insurance for Seniors

Take a look at Tracy, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Tracy, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,072 $2,092
Farmers $2,340 $2,340
GEICO $1,707 $1,707
Liberty Mutual $2,035 $1,972
Nationwide $2,758 $2,601
Progressive $1,493 $1,770
State Farm $2,972 $2,972
Travelers $2,083 $2,061
USAA $1,858 $1,865

Cheapest Tracy, CA Car Insurance Rates After a DUI

A DUI in Tracy, CA increases car insurance rates. Compare Tracy, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Tracy, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,031
Farmers $5,995
GEICO $3,959
Liberty Mutual $3,016
Nationwide $6,767
Progressive $3,611
State Farm $6,786
Travelers $3,978
USAA $4,308

Cheapest Tracy, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Tracy, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Tracy, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,982 $4,849
Farmers $4,336 $5,220
GEICO $2,654 $3,189
Liberty Mutual $2,637 $3,108
Nationwide $3,951 $4,993
Progressive $2,539 $3,057
State Farm $4,068 $4,373
Travelers $2,835 $3,465
USAA $2,452 $2,870

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Cheapest Tracy, CA Car Insurance Rates by ZIP Code

Tracy car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Tracy, CA.

Annual Car Insurance Rates by ZIP Code in Tracy, California

ZIP Code Average Annual Rates
95304 $4,906
95376 $4,905
95377 $4,898

The Best Cheap Car Insurance Companies in Tracy, CA

Take a look at a side-by-side comparison of the top car insurance companies in Tracy, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Tracy, California

Insurance Company Average Annual Rates
Allstate $4,416
Farmers $4,778
GEICO $2,922
Liberty Mutual $2,872
Nationwide $4,472
Progressive $2,798
State Farm $4,220
Travelers $3,150
USAA $2,661

Category Winners: Cheapest Car Insurance in Tracy, California

Find the cheapest car insurance companies in Tracy, CA for each category right here.

Best Annual Car Insurance Rates by Company in Tracy, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Cheapest Tracy, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Tracy car insurance rates. Find the cheapest Tracy, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Tracy, California

Insurance Company Low Medium High
Allstate $4,181 $4,454 $4,612
Farmers $4,458 $4,813 $5,064
GEICO $2,641 $2,955 $3,169
Liberty Mutual $2,669 $2,897 $3,051
Nationwide $4,018 $4,551 $4,848
Progressive $2,495 $2,885 $3,014
State Farm $3,824 $4,289 $4,548
Travelers $2,762 $3,233 $3,455
USAA $2,409 $2,714 $2,861

What affects car insurance rates in Tracy, California?

What factors can have an impact on Tracy, CA car insurance? There are several reasons why Tracy car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Tracy, California.

Car Theft in Tracy

High levels of vehicle theft can make car insurance more expensive. Tracy, CA car theft statistics from the FBI indicate 298 vehicle thefts a year.

Commute Time in Tracy

The more time you spend in your car the higher the risk of an accident. The average commute length in Tracy, CA is 44.9 minutes according to City-Data.

Compare Car Insurance Quotes in Tracy, CA

Ready to find affordable Tracy, California car insurance today? Enter your ZIP code for fast, free Tracy, CA car insurance quotes.

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