Tracy, CA Car Insurance

Are rates in Tracy higher or lower than those in neighboring areas? How do they compare to the rest of California? What can Tracy residents expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in Tracy?

As you can see in the chart above, car insurance rates in Tracy are slightly more expensive than the rest of California.

When stacked up against the national average, the average monthly policy payment for Tracy is more affordable. It's about $24 cheaper to insure your vehicle in Tracy compared to the average rate for the U.S. as a whole.

While these numbers represent the average monthly payments for coverage in Tracy, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.

We've done the heavy lifting for you and broken down the average rate for Tracy so that you can get a more accurate idea of what your policy will cost you. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Generally speaking, the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may begin to go back up in Tracy.

Average Car Insurance Rates by Gender

In general, women pay slightly less for car insurance than men. This is true in Tracy, where male drivers pay about $4 more a month. As illustrated in the table above, male drivers in the area pay about $58 on average, while female drivers pay around $54 each month.

Average Auto Insurance Rates by Driving Record

One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Tracy, a driving record with one accident will usually get you a rate around $60 a month. Likewise, drivers with one ticket will be looking at a rate of around $67 a month on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

In terms of affordable coverage, the cheapest vehicles to insure in Tracy are usually trucks and vans, at $50 per month.

Car owners can expect to pay an average of around $58 a month for their policy, while SUVs usually cost around $56 a month to insure.

Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. In Tracy, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

More often than not, those who have settled down into marriage will pay slightly less for auto insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Tracy is about $17 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

One other element taken into consideration is your housing situation. Renters can expect to pay around $3 a month more than those who own their own home in Tracy. But if you live with your parents, you can expect to pay a lot more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Tracy, CA

Recent trends in car insurance for Tracy drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The rates for auto insurance in Tracy rose from 2017-2018, when they reached a high of $64. This trend changed in 2021, when they began to decrease, and have continued on that path through the present, when car insurance rates hit a low of $44 per month.

How does Tracy compare to neighboring areas?

Why are car insurance rates in Tracy different from other areas?

Car insurance companies will take into account a variety of factors when they're figuring out how much to charge for a policy. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

• Access to off-street parking
• Amount of drivers in the area
• Number of car accidents
• Prevalence of crime
• Regional laws

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Tracy?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Don't worry, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing auto coverage in Tracy.

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Tracy Insurance FAQs

What factors affect car insurance quotes in Tracy?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.

Why is the cost of car insurance in Tracy different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Tracy?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Tracy?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Tracy or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?