Car Insurance in Vallejo
Vallejo is a beautiful city that is home to the California Maritime Academy as well as Six Flags Discovery Kingdom. With so much to offer, it should come as no surprise that vehicle traffic can be heavy. Given the higher risk of a motor vehicle accident due to this high traffic, it is vital that you have the proper level of liability auto insurance when driving in Vallejo.
Quick Facts
- The average cost of car insurance in Vallejo is $1,965.
- The population of Vallejo is 115,942.
How Much is Car Insurance in Vallejo?
In Vallejo, the average annual cost of car insurance is $1,965. This is above the state average for car insurance and well above the average cost of a policy nationwide. Vallejo is a bustling city in a busy region of the state. Therefore, accidents are commonplace. Other factors could also impact the cost of your California car insurance.
| City | Average Annual Premium |
|---|---|
| Glendale | $2,755 |
| Los Angeles | $2,632 |
| San Francisco | $2,257 |
| Vallejo | $1,965 |
Other rating factors could impact the cost of your insurance outside of the city where you live. Some of these factors include your age, gender, and even the type of car you drive.
While the cost of car insurance might seem like a lot, it is helpful to think of it as an investment in the financial security of you and your family. If you are involved in an accident without adequate insurance coverage, you could face serious financial hardships.
Vallejo Car Insurance Rates by Zip Code
Your zip code could also be an important factor in the cost of your insurance. Some zip codes are more likely to see an accident than others. For that reason, the cost of car insurance is higher in some zip codes compared to others.
Vallejo is made up of only four zip codes. Understanding the rate of accidents in each of these areas could prepare you for the impact your zip code has on the cost of your policy.
| Zip Code | Average Car Insurance Rate |
|---|---|
| 94589 | $1,990 |
| 94590 | $1,965 |
| 94591 | $1,950 |
| 94592 | $1,944 |
Vallejo Car Insurance Rates by Age
A driver’s age is also a major factor in the cost of their car insurance. The highest rates are reserved for teenagers, given that they are statistically more likely to be involved in a collision. The cost of insurance falls as a driver ages but rises again when they reach their 70’s.
| Age | Average Car Insurance Rate |
|---|---|
| Teenagers | $7,267 |
| 20s | $2,915 |
| 30s | $1,911 |
| 40s | $1,849 |
| 50s | $1,771 |
| 60s | $1,772 |
| 70s | $2,060 |
Driving Conditions in Vallejo
How Many Fatal Accidents Happen in Vallejo?
In 2019, there were a total of five fatal vehicle accidents in Vallejo involving seven different vehicles. Additionally, three pedestrians were also involved in these fatal accidents.
How Are the Road Infrastructure and Bridges in Vallejo?
Vallejo is constantly renovating and expanding its infrastructure to meet the needs of its residents. Currently, the “Six Bridges” project is a major milestone for Vallejo and the surrounding area.
On the state level, California received a C- grade on the Infrastructure Report Card. This grade is in line with the majority of other states in the country. The state gets passing marks for bridges, with fewer structurally deficient bridges than average. The state or the roads are lower, with California getting a D for road conditions.
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Minimum Car Insurance Requirements in Vallejo
There is a minimum level of liability insurance that a driver in Vallejo is required to carry by law. These requirements are a minimum and are frequently inadequate to provide for all of the damages that could stem from an accident.
- $15,000 for injury/death to one person
- $30,000 for injury/death to more than one person
- $5,000 for property damage
While state law does not require full coverage, your auto lender might require it under the terms of your loan. Full coverage not only protects you from claims made by other drivers but also covers your own damages as well.
Factors Allowed in Vallejo Car Insurance Rates
The insurance companies have many options when it comes to determining the cost of your insurance. With so many factors to choose from, it is not unusual for two individuals in similar circumstances to face very different insurance rates. Some of these factors include:
- Age
- Gender
- Accident history
- Driving record
- Insurance claims history
- Type of car
- Zip code
- Credit score
- Marital status
Discounts for Car Insurance in Vallejo
Discounts are one of the best ways for you to save money on car insurance in Vallejo. These discounts can take many forms, and some of them might surprise you. Let your agent review your situation and advise you on your potential discounts. Some common discounts that are available include:
-
Good student discount
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Military discount
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Safe driver discount
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Paperless billing discount
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Anti-theft discount
What are the Penalties for Driving Without Insurance in Vallejo?
Several penalties can be given for driving without insurance. For first-time offenders, these penalties could involve fines between $100 and $200. For second and subsequent offenses, these penalties could go up to $500. A driver could also be required to maintain SR-22 insurance as well.
Get a Vallejo Car Insurance Quote Today!
There is no question that the right amount of car insurance could save you money in the long run. If you are involved in an accident, your insurance policy could be what keeps you from financial ruin.
Freeway is ready to help you find the right policy for you. Get started with a quote online, or visit us at a Vallejo office near you. You can also call us at (800) 777-5620 for a quote.