Best cheap car insurance in Visalia for 2021

1
Grant Faint/Getty Images
Bankrate Logo

Why you can trust Bankrate

While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . This content is powered by HomeInsurance.com (NPN: 8781838). For more information, please see our

The average cost of car insurance in Visalia, California, is $635 for a minimum liability policy and $1,802 for full coverage. It is significantly cheaper than the average cost of California car insurance, which costs $733 per year for minimum coverage and $2,065 per year for full insurance.

Many car insurance companies serve Visalia, but there is no one company that is the right fit for everyone. To find the best cheap car insurance in Visalia, we considered several factors such as a company’s coverage options, pricing, discounts and industry rankings. Based on these criteria and more, these are the best cheap car insurance in Visalia for 2021.

Best car insurance companies in Visalia

The best cheap car insurance companies in Visalia offer wide coverage options for auto insurance, in addition to great accessibility, discount options and customer resources to help you manage your policy. We also compared 2021 rate data from Quadrant Information Services and J.D. Power’s 2021 U.S. Auto Insurance Study ratings for California. Based on these factors and more, these are the best cheap car insurance companies in Visalia for 2021.

Insurance company J.D. Power customer satisfaction score Average annual premium for minimum coverage Average annual premium for full coverage
Geico 828 / 1,000 $441 $1,418
AAA Not rated $499 $1,668
Mercury 816 / 1,000 $578 $1,469
Wawanesa 853 / 1,000 $583 $1,406
Progressive 819 / 1,000 $602 $1,587

Geico

Geico is one of the top-scoring companies in J.D. Power’s customer satisfaction survey with a host of insurance protections. It offers insurance for many vehicles, including motorcycles, ATVs, RVs and boats. If you drive for a service like Uber or Lyft, there is available rideshare insurance too. Beyond the standard auto coverage, drivers have the option to add roadside assistance, rental reimbursement coverage and mechanical breakdown coverage. Plus, there are excellent online and mobile resources if you need to file a claim.

Learn more: Geico Insurance review

AAA

AAA is not rated by J.D. Power in the California region, which is common among more niche providers. AAA is broken into local clubs that act as a regional provider, so Visalia residents can benefit from a division that only services Northern California and a handful of other states. AAA offers gap insurance, new car added protection and accidental death benefits to round out the usual types of auto insurance coverage. You have the option to add roadside assistance, plus you have access to AAA’s exclusive network of Approved Auto Repair shops.

Learn more: AAA Insurance review

Mercury

Mercury is about average in its customer satisfaction scores, perhaps because of limited online and mobile resources. However, coverage is well-rounded with the option to add personal injury protection (PIP) coverage, rental car insurance, umbrella insurance and mechanical protection. One unique feature about Mercury is its guaranteed repairs program. When you choose a Mercury-authorized repair shop, Mercury will guarantee those repairs for as long as you own the vehicle. You also have the option to bundle with other types of insurance, including homeowners, condo, renters, landlord and business insurance coverage.

Learn more: Mercury Insurance review

Wawanesa

Wawanesa holds the highest rankings for the California region in J.D. Power’s customer satisfaction study. It is limited in its scope, only servicing a handful of states but still wins best customer satisfaction with its 24/7 claims service. For your auto insurance, Wawanesa offers roadside assistance and rental coverage, in addition to vehicle manufacturer replacement coverage. Discounts include good driver, multi-car, multi-policy, loyalty, and mature driver discounts to help you save even more. There is also the exclusive Affinity Group discount program, which offers customers of partner companies an extra discount.

Learn more: Wawanesa Insurance Review

Progressive

In addition to basic car insurance coverage, Progressive also offers the option to add rental car reimbursement, custom parts and equipment value, and rideshare coverage with a deductible savings bank that works as a disappearing deductible feature. Many of the standard discounts are potentially available, such as multi-policy, multi-car, and continuous insurance discounts, but Progressive also offers its own exclusive programs. In addition, the signature Snapshot program and Name Your Price Tool help you control costs and save money. Plus, with above-average customer satisfaction scores, this is a company that can provide all of the support you need.

Learn more: Progressive Insurance Review

Cheapest car insurance in Visalia

Looking strictly at price, these are the cheapest car insurance companies in Visalia. These providers offer significantly lower rates than the average cost of car insurance in California, which runs well over $2,000 per year.

If you opt for one of the cheapest carriers in Visalia, you could pay as little as $1,418 per year while also benefiting from the experience of some of the nation’s largest car insurance companies.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Geico $441 $1,418
AAA $499 $1,668
MetLife $573 $1,468
Mercury $578 $1,469
Nationwide $596 $1,763

Visalia insurance requirements

To legally operate a vehicle in Visalia, you must carry a minimum amount of car insurance. California law requires drivers to carry the following minimum coverage:

  • $15,000 for injury/death per person
  • $30,000 for injury/death per accident
  • $5,000 for property damage

Although it is sometimes more affordable to purchase minimum coverage, you could find yourself liable if you incur losses greater than your insurance coverage. You may be required to carry a certain amount of coverage if you lease or finance your vehicle. Regardless, you should talk to your agent about what kind of coverage works best for your vehicle, so you do not face debt and even bankruptcy should an accident cost you more than you can afford.

Car insurance discounts in Visalia

Most auto insurance companies offer car insurance discounts for qualifying customers. Visalia drivers can benefit from several types of car insurance discounts, such as these:

  • Payment discounts: You may be able to save with savings like auto-pay, pay-in-full and early renewal discounts.
  • Safety discounts: Having security features like airbags or a car security system may shave extra dollars off your premium each year.
  • Driver: There are sometimes also special discounts based on your driver type, with exclusive discounts for senior drivers, active and retired military, teen drivers and college students.
  • Insurance: When you are a low-risk customer, you could earn extra savings for claims-free, continuous insurance, and multi-policy discounts when you bundle your home and auto insurance.

This can be especially important in Visalia, where extreme weather can occur regularly, causing damages and adding to your claims history. Regardless of which auto insurance provider you choose, find and compare auto insurance quotes from multiple providers so you can be sure you are receiving the best coverage at the cheapest price. Car insurance discounts can go a long way in lowering the bill, saving you precious dollars each month.

Frequently asked questions

What is the best car insurance company?

The best car insurance companies are different for everyone because insurance quotes are highly personalized to each driver. Your car insurance quote incorporates several rate factors, such as the make and model of your vehicle, where you live, your credit score, your age and gender.

How much does car insurance in Visalia cost?

The average car insurance policy in Visalia costs $635 for a minimum liability policy and $1,802 for full coverage.

How much car insurance do I need in Visalia?

According to California law, all drivers in Visalia must purchase minimum coverage that includes $15,000 for injury/death per person, $30,000 for injury/death per accident, and $5,000 for property damage. However, you should always consider purchasing more than just the minimum coverage to ensure that your car is adequately covered should the unthinkable occur.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Lena Borrelli
Insurance Contributor
Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as allconnect, Healthline and Reviews.com. She previously worked for Morgan Stanley.
Edited by
Insurance Editor