Compare Visalia, CA Car Insurance Rates (2021)

The cheapest Visalia, CA car insurance is offered from Progressive, although drivers who can’t afford coverage may qualify for the California Low-Cost Auto program. Auto insurance in Visalia must meet the state minimum requirements of 15/30/5 in liability coverage. These limits are very low and drivers should consider increasing them and adding additional coverages.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

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: Mar 26, 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...

  • Progressive offers the cheapest car insurance in Visalia, CA
  • Visalia car insurance is more expensive than the national average
  • Low-income drivers in Visalia may qualify for the California Low-Cost Auto program if they meet certain requirements

Visalia, CA car insurance is cheaper than the average California car insurance but higher than the national average.

The good news is that you can find affordable Visalia, CA car insurance if you shop around. Compare rates from multiple companies to see who can offer you cheap car insurance that meets your needs.

Enter your ZIP code now to compare Visalia, CA car insurance quotes from multiple companies for free.

What is the cheapest car insurance company in Visalia, CA?

Progressive is the cheapest car insurance company in Visalia, although rates will be different for each driver.

The top Visalia, CA car insurance companies listed from least to most expensive are:

  • Progressive – $2,298.87
  • USAA – $2,452.65
  • GEICO – $2,555.90
  • Liberty Mutual – $2,618.18
  • Travelers – $2,967.74
  • Nationwide – $3,765.64
  • Allstate – $4,172.09
  • State Farm – $4,181.37
  • Farmers – $5,064.80

Car insurance rates are affected by many different factors, such as your age and driving record. Although most car insurance companies use gender to help determine your rates, California is one of the few states that has outlawed the practice.

Where you live and the size of your city affects your rates also. Larger cities with more crime and traffic will pay more for car insurance. For example, as the largest city in California, Los Angeles car insurance is much more expensive than coverage in Visalia.

It’s also important to note that California does offer low-cost auto insurance for low-income drivers. The California Low-Cost Auto (CLCA) program offers very low coverage for low-income drivers who meet certain requirements.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

What car insurance coverage is required in Visalia, CA?

Almost every state, including California, requires at least a minimum amount of auto insurance for drivers to drive legally.

Visalia drivers must carry at least these minimum auto insurance requirements in California:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

These minimums are very low, and drivers should consider raising these limits and carrying additional coverages. In a serious accident, these low minimums won’t fully cover you, and you’ll be left to pay out of pocket for anything not covered.

Consider adding collision and comprehensive coverages. Collision insurance helps pay for damages from an accident. Comprehensive insurance covers damages not resulting from an accident, such as damages from Visalia, CA weather like hail or falling debris.

What affects car insurance rates in Visalia, CA?

Traffic can also affect your auto insurance rates because more cars on the road equal a higher chance of an accident.

Although INRIX doesn’t have data for Visalia, it does rank nearby Fresno, CA as the 101st most congested city in the U.S.

City-Data reports that most drivers in Visalia only commute about 15 minutes.

Theft can also raise your auto insurance rates. According to the FBI, there were 604 motor vehicle thefts in Visalia in one year.

Visalia, CA Car Insurance: The Bottom Line

Although Visalia car insurance is more expensive than the national average, drivers may qualify for the CLCA program if they can’t afford coverage.

Before you buy Visalia, CA car insurance, compare quotes from several companies to see who can offer you the best deal.

Enter your ZIP code now to compare Visalia, CA car insurance rates from multiple companies near you.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State