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Updated
Drivers in Visalia pay an average monthly rate of $73 for liability coverage and $161 for full-coverage car insurance. That’s cheaper than in nearby California cities like Fresno and Los Angeles, likely due to Visalia’s smaller population.[1] A lower population density means fewer vehicles on the road and less risk of car accidents.
USAA has the cheapest liability car insurance in Visalia, at an average of $53 per month.
California requires all drivers to have car insurance. You must have at least $30,000 per person and $60,000 per accident of bodily injury liability coverage, and $15,000 of property damage liability coverage.[2]
The following table shows the cheapest rates for liability-only car insurance in Visalia.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $53 |
| Aspire General | $56 |
| GEICO | $57 |
| Sun Coast | $58 |
| Mercury | $60 |
| National General | $60 |
| Dairyland | $65 |
| Root | $71 |
| Direct Auto | $72 |
| Allstate | $73 |
| Farmers | $75 |
| Anchor | $78 |
| State Farm | $81 |
| Bristol West | $82 |
| Kemper Special | $85 |
| Travelers | $85 |
| 21st Century | $93 |
| Kemper Rsvp | $93 |
| Chubb | $145 |
Check rates from top insurers, starting at an average of $53 per month
Aspire General offers the cheapest full-coverage car insurance in Visalia, with an average monthly rate of $99.
Many Visalia drivers opt for full-coverage car insurance. Full coverage can help cover risks common to the Central Valley, like vehicle theft.[3]
The following table shows the cheapest rates for full-coverage car insurance in Visalia.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Aspire General | $99 |
| Root | $110 |
| Mercury | $115 |
| GEICO | $117 |
| USAA | $119 |
| Kemper Special | $131 |
| Kemper Rsvp | $133 |
| Sun Coast | $137 |
| Anchor | $146 |
| Dairyland | $156 |
| National General | $159 |
| Allstate | $163 |
| Farmers | $168 |
| Bristol West | $175 |
| Direct Auto | $177 |
| State Farm | $182 |
| Travelers | $191 |
| 21st Century | $208 |
| Chubb | $324 |
Visalia drivers pay an average monthly rate of $117 for car insurance. That’s lower than in other Central Valley cities like Fresno and Modesto. Visalia car insurance also falls well below high-cost cities like Los Angeles and Glendale.
Visalia’s relatively affordable car insurance rates could be partly due to its lower population density compared to larger metro areas. The data below compares Visalia’s average rates to those of other California cities.
City | Average Monthly Quote |
|---|---|
| Anaheim | $163 |
| Bakersfield | $132 |
| Berkeley | $153 |
| Chula Vista | $128 |
| Elk Grove | $143 |
| Fremont | $138 |
| Fresno | $131 |
| Glendale | $268 |
| Long Beach | $171 |
| Los Angeles | $225 |
| Modesto | $143 |
| Moreno Valley | $147 |
| Oakland | $170 |
| Oxnard | $138 |
| Riverside | $150 |
| Sacramento | $158 |
| San Bernardino | $157 |
| San Diego | $130 |
| San Francisco | $171 |
| San Jose | $136 |
| Santa Ana | $154 |
| Santa Barbara | $120 |
| Santa Maria | $114 |
| Stockton | $146 |
| Temecula | $130 |
| Victorville | $161 |
| Visalia | $117 |
*Quotes generated for Insurify users in and around Visalia, California within the last 10 days. Last updated on July 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Visalia, California within the last 10 days. Last updated on July 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Even one driving violation can increase your auto insurance rates. But some insurance companies offer more competitive rates than others. Here are the cheapest insurers for drivers with different records in Visalia:
Cheapest car insurance for Visalia drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Visalia: USAA
Cheapest car insurance for Visalia drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Visalia: USAA
In Visalia, 5% of drivers have a speeding ticket on their record, 5% have an at-fault accident, and 1% have a driving under the influence (DUI) conviction, according to Insurify data. California is an at-fault state, which means the driver who caused the accident is responsible for paying for any injuries and damages.[4]
The following table shows average monthly rates for different Visalia drivers with different records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $117 |
| Speeding ticket | $148 |
| At-fault accident | $149 |
| DUI | $158 |
The Central Valley, home to Visalia, often develops a dense tule fog in late autumn and winter. Fog reduces your driving visibility, making it harder to navigate the roadways and see other drivers and road signs. If you find yourself driving through fog, slow down, keep your headlights on low, and leave plenty of space between your car and other vehicles.
In addition to seasonal fog, Visalia also experiences heavier traffic on major highways like state Route 99 and state Route 198.
During summer, Visalia’s temperature routinely reaches 90 degrees Fahrenheit. It’s important to keep up with regular vehicle maintenance to make sure your car can handle the heat. You may want to consider add-on coverages, like roadside assistance.
Traffic congestion in Visalia tends to be lighter than in other California cities. The average commute time in Visalia is 21 minutes, lower than the U.S. average of 27 minutes. But drivers may still experience delays around state Route 99 and Mooney Boulevard, especially during rush hour.
Visalia’s lower traffic congestion partly explains why the city’s insurance rates are relatively low. More traffic increases the risk of accidents and can push up insurance rates.
Teen drivers in Visalia must go through the state’s graduated driver’s license (GDL) program. Younger drivers need to complete 50 hours of supervised driving practice and six hours of instruction from a licensed driving school.[5]
Because they lack driving experience, teens typically pay some of the highest car insurance rates. The following table shows the cheapest rates for teenage drivers in Visalia.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $97 |
| Aspire General | $101 |
| GEICO | $103 |
| Sun Coast | $105 |
| Root | $107 |
| Mercury | $109 |
| Dairyland | $113 |
| National General | $119 |
| Direct Auto | $140 |
| Allstate | $143 |
| Bristol West | $145 |
| Anchor | $148 |
| Farmers | $149 |
| Kemper Special | $154 |
| State Farm | $156 |
| 21st Century | $166 |
| Kemper Rsvp | $168 |
| Travelers | $175 |
| Chubb | $296 |
Compare quotes from Visalia’s top insurers and save money today
More than 13% of Visalia residents are age 65 or older, according to U.S. Census data. Senior drivers usually pay some of the cheapest car insurance rates. Older drivers have more experience, which lowers premiums.
USAA is the cheapest insurer for seniors who need state-minimum coverage. The following table shows the cheapest rates for senior drivers in Visalia.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $44 |
| GEICO | $47 |
| National General | $48 |
| Mercury | $49 |
| Aspire General | $51 |
| Sun Coast | $53 |
| Dairyland | $57 |
| Direct Auto | $61 |
| Allstate | $61 |
| Farmers | $61 |
| Anchor | $65 |
| State Farm | $65 |
| Root | $67 |
| Travelers | $70 |
| Bristol West | $70 |
| 21st Century | $75 |
| Kemper Special | $77 |
| Kemper Rsvp | $84 |
| Chubb | $113 |
Below, we answered some common questions about how to find the most affordable car insurance in Visalia.
Car insurance in Visalia costs an average of $117 per month. Liability-only coverage averages $73, and full coverage averages $161 per month, according to Insurify data. But your personal rate will vary based on factors such as your age, coverage needs, and driving history.
USAA has the cheapest car insurance in Visalia, with an average liability rate of $53 per month. Comparing multiple quotes can help you find the cheapest car insurance for your coverage needs.
It depends: $200 is expensive for a liability-only auto insurance policy in Visalia, but reasonable for full coverage. Drivers in the city pay an overall average of $117 per month for car insurance.
California requires all drivers to have at least $30,000 per person and $60,000 per accident of bodily injury liability coverage. Drivers also need at least $15,000 of property damage liability coverage.
Yes. Most companies offer car insurance discounts in Visalia. Many insurers offer discounts for bundling auto and homeowners insurance, for safe driving, or for maintaining good grades. Ask your insurance company to find out what specific car insurance discounts it offers.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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