Compare Vista, CA Car Insurance Rates (2021)

Car insurance in Vista, CA averages $283 a month. Vista, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Vista car insurance rates, compare quotes from the top car insurance companies in Vista, CA.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Vista, CA after a DUI are $4,776/year
  • Average car insurance rates in Vista, CA are $3,390/year
  • The cheapest car insurance company in Vista for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Vista, CA car insurance rates? Every Vista, 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 Vista, 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 $2,841 $2,839 $2,077 $2,092 $7,923 $9,960 $3,625 $3,968
Farmers $2,234 $2,234 $2,021 $2,021 $7,109 $11,595 $2,646 $2,946
GEICO $1,563 $1,564 $1,471 $1,471 $4,738 $4,810 $2,242 $2,289
Liberty Mutual $2,184 $2,068 $2,037 $1,973 $4,800 $5,104 $2,464 $2,483
Nationwide $2,895 $2,761 $2,545 $2,396 $7,391 $8,153 $3,454 $3,406
Progressive $1,654 $1,703 $1,405 $1,668 $4,417 $5,322 $2,378 $2,557
State Farm $3,229 $3,229 $2,888 $2,888 $5,984 $7,431 $3,575 $3,686
Travelers $2,285 $2,208 $2,028 $2,008 $4,754 $5,393 $2,965 $2,895
USAA $1,893 $1,789 $1,852 $1,855 $4,314 $4,341 $2,622 $2,474

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Vista, CA

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

Minimum Required Car Insurance Coverage in Vista, 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 Vista, 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 Vista, CA to rates for a clean record with top companies.

Annual Vista, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,664 $4,474 $7,030 $3,493
Farmers $3,036 $4,130 $5,137 $4,099
GEICO $1,761 $2,716 $3,411 $2,185
Liberty Mutual $2,508 $3,360 $3,031 $2,657
Nationwide $2,882 $3,693 $6,233 $3,693
Progressive $1,730 $2,936 $3,396 $2,491
State Farm $2,938 $3,502 $6,606 $3,408
Travelers $2,047 $3,343 $3,862 $3,016
USAA $1,756 $2,616 $4,274 $1,924

Cheapest Vista, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Vista, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,923 $9,960
Farmers $7,109 $11,595
GEICO $4,738 $4,810
Liberty Mutual $4,800 $5,104
Nationwide $7,391 $8,153
Progressive $4,417 $5,322
State Farm $5,984 $7,431
Travelers $4,754 $5,393
USAA $4,314 $4,341

Cheapest Vista, CA Car Insurance for Seniors

Take a look at Vista, 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 Vista, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,077 $2,092
Farmers $2,021 $2,021
GEICO $1,471 $1,471
Liberty Mutual $2,037 $1,973
Nationwide $2,545 $2,396
Progressive $1,405 $1,668
State Farm $2,888 $2,888
Travelers $2,028 $2,008
USAA $1,852 $1,855

Cheapest Vista, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Vista, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,030
Farmers $5,137
GEICO $3,411
Liberty Mutual $3,031
Nationwide $6,233
Progressive $3,396
State Farm $6,606
Travelers $3,862
USAA $4,274

Cheapest Vista, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Vista, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,981 $4,849
Farmers $3,720 $4,481
GEICO $2,288 $2,749
Liberty Mutual $2,653 $3,125
Nationwide $3,643 $4,607
Progressive $2,393 $2,884
State Farm $3,963 $4,264
Travelers $2,764 $3,370
USAA $2,436 $2,849

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Vista, CA Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Vista, California

ZIP Code Average Annual Rates
92081 $4,594
92083 $4,675
92084 $4,610

The Best Cheap Car Insurance Companies in Vista, CA

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

Average Annual Car Insurance Rates by Company in Vista, California

Insurance Company Average Annual Rates
Allstate $4,415
Farmers $4,101
GEICO $2,518
Liberty Mutual $2,889
Nationwide $4,125
Progressive $2,638
State Farm $4,114
Travelers $3,067
USAA $2,643

Category Winners: Cheapest Car Insurance in Vista, California

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

Best Annual Car Insurance Rates by Company in Vista, California

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Vista, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Vista, California

Insurance Company Low Medium High
Allstate $4,176 $4,454 $4,616
Farmers $3,801 $4,135 $4,367
GEICO $2,267 $2,550 $2,739
Liberty Mutual $2,694 $2,915 $3,059
Nationwide $3,691 $4,199 $4,485
Progressive $2,370 $2,719 $2,825
State Farm $3,674 $4,190 $4,477
Travelers $2,646 $3,156 $3,399
USAA $2,400 $2,694 $2,835

What affects car insurance rates in Vista, California?

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

Car Theft in Vista

High levels of vehicle theft can make car insurance more expensive. Vista, CA car theft statistics from the FBI indicate 305 vehicle thefts a year.

Commute Time in Vista

The more time you spend in your car the higher the risk of an accident. The average commute length in Vista, CA is 13.6 minutes according to City-Data.

Compare Car Insurance Quotes in Vista, CA

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption