Buy Cheap Tracy, CA Auto Insurance (2021)

Tracy, CA auto insurance rates average $299 a month. Minimum auto insurance requirements in Tracy, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Tracy, CA, compare Tracy auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Tracy, CA for teens drivers are $6,037/year
  • The most expensive auto insurance company in Tracy is Farmers
  • The most expensive auto insurance company in Tracy after a DUI is Allstate

Finding affordable Tracy, California auto insurance can be challenging, but everything you need to know to buy cheap Tracy, CA auto insurance with confidence is right here. Auto insurance rates in Tracy are affected by local factors as well as personal ones like your driving record.

See how Tracy, CA car insurance rates compare to Fresno auto insurance rates, San Francisco auto insurance rates, and Bakersfield auto insurance rates before you read more about the cost of auto insurance in Tracy.

Don’t buy Tracy, CA auto insurance until you’ve compared rates. Get free Tracy, California auto insurance quotes when you enter your ZIP code above.

Tracy, CA Minimum Auto Insurance Requirements

The required auto insurance in Tracy, CA is 15/30/5 according to the auto insurance laws in California. The minimum auto insurance in Tracy, California is outlined here.

Minimum Required Auto Insurance Coverage in Tracy, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Buy Cheap Tracy, CA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Tracy, California auto insurance rates? Find out how car insurance rates in Tracy, CA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Tracy, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,840 $2,842 $2,072 $2,092 $7,906 $9,945 $3,635 $3,993
Farmers $2,599 $2,599 $2,340 $2,340 $8,271 $13,573 $3,078 $3,425
GEICO $1,813 $1,815 $1,707 $1,707 $5,486 $5,583 $2,600 $2,663
Liberty Mutual $2,192 $2,071 $2,035 $1,972 $4,713 $5,038 $2,464 $2,493
Nationwide $3,150 $3,009 $2,758 $2,601 $7,977 $8,815 $3,756 $3,712
Progressive $1,749 $1,800 $1,493 $1,770 $4,688 $5,644 $2,526 $2,716
State Farm $3,327 $3,327 $2,972 $2,972 $6,110 $7,577 $3,683 $3,797
Travelers $2,357 $2,284 $2,083 $2,061 $4,830 $5,531 $3,057 $2,996
USAA $1,905 $1,805 $1,858 $1,865 $4,355 $4,377 $2,634 $2,489

Buy Cheap Tracy, CA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Tracy can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Tracy, CA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Tracy, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,906 $9,945
Farmers $8,271 $13,573
GEICO $5,486 $5,583
Liberty Mutual $4,713 $5,038
Nationwide $7,977 $8,815
Progressive $4,688 $5,644
State Farm $6,110 $7,577
Travelers $4,830 $5,531
USAA $4,355 $4,377

Buy Cheap Tracy, CA Auto Insurance for Seniors

You can save on senior auto insurance rates in Tracy, California by comparing Tracy senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Tracy, CA here.

Annual Auto Insurance Rates for Senior Drivers in Tracy, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,072 $2,092
Farmers $2,340 $2,340
GEICO $1,707 $1,707
Liberty Mutual $2,035 $1,972
Nationwide $2,758 $2,601
Progressive $1,493 $1,770
State Farm $2,972 $2,972
Travelers $2,083 $2,061
USAA $1,858 $1,865

Find Cheap Auto Insurance Rates in Tracy, CA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Tracy, California auto insurance. Compare Tracy, CA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Tracy, California

Insurance Company Low Medium High
Allstate $4,181 $4,454 $4,612
Farmers $4,458 $4,813 $5,064
GEICO $2,641 $2,955 $3,169
Liberty Mutual $2,669 $2,897 $3,051
Nationwide $4,018 $4,551 $4,848
Progressive $2,495 $2,885 $3,014
State Farm $3,824 $4,289 $4,548
Travelers $2,762 $3,233 $3,455
USAA $2,409 $2,714 $2,861

Find Cheap Tracy, CA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Tracy. Compare auto insurance rates in Tracy, CA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Tracy, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,982 $4,849
Farmers $4,336 $5,220
GEICO $2,654 $3,189
Liberty Mutual $2,637 $3,108
Nationwide $3,951 $4,993
Progressive $2,539 $3,057
State Farm $4,068 $4,373
Travelers $2,835 $3,465
USAA $2,452 $2,870

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Find Cheap Tracy, CA Auto Insurance Rates by ZIP Code

Auto insurance rates in Tracy, California can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Tracy, CA to see how much where you live in Tracy affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Tracy, California

ZIP Code Average Annual Rates
95304 $4,906
95376 $4,905
95377 $4,898

Find Cheap Tracy, CA Auto Insurance Rates by Driving Record

Auto insurance rates in Tracy, California are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Tracy, CA, take a look at the average cost for various violations versus rates for a clean driving record in Tracy.

Annual Tracy, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,661 $4,478 $7,031 $3,492
Farmers $3,531 $4,810 $5,995 $4,777
GEICO $2,045 $3,145 $3,959 $2,537
Liberty Mutual $2,492 $3,340 $3,016 $2,642
Nationwide $3,121 $4,001 $6,767 $4,001
Progressive $1,830 $3,115 $3,611 $2,637
State Farm $3,010 $3,591 $6,786 $3,494
Travelers $2,112 $3,417 $3,978 $3,092
USAA $1,768 $2,632 $4,308 $1,937

Find Cheap Tracy, CA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Tracy, California is higher than for a clean driving record. You can buy auto insurance after a DUI in Tracy for less when you shop around and compare rates from multiple Tracy, CA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Tracy, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,031
Farmers $5,995
GEICO $3,959
Liberty Mutual $3,016
Nationwide $6,767
Progressive $3,611
State Farm $6,786
Travelers $3,978
USAA $4,308

Winners by Category: Where to Buy Cheap Auto Insurance in Tracy, CA

Compare rates from the cheapest auto insurance companies in Tracy, CA for your needs. Take a look at how Tracy, California auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Tracy, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Find Cheap Tracy, California Auto Insurance Companies

If you’re looking for the cheapest Tracy, CA auto insurance companies overall, you can compare them here. Find the best price for Tracy, California car insurance by company.

Average Annual Auto Insurance Rates by Company in Tracy, California

Insurance Company Average Annual Rates
Allstate $4,416
Farmers $4,778
GEICO $2,922
Liberty Mutual $2,872
Nationwide $4,472
Progressive $2,798
State Farm $4,220
Travelers $3,150
USAA $2,661

What affects Tracy, California auto insurance rates?

Local factors affect auto insurance rates in Tracy, CA, including traffic, theft statistics, and commute length. Take a look at the things that impact Tracy auto insurance rates.

Auto Theft in Tracy

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Tracy, CA auto theft show a total of 298 vehicle thefts annually.

Commute Times in Tracy

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Tracy, CA is 44.9 minutes according to City-Data.

Compare Auto Insurance Quotes in Tracy, CA

You can buy cheap Tracy, CA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Tracy, California auto insurance quotes from top companies.

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