Cheapest and Best Car Insurance Companies in Fairfield, CA

GEICO offers the cheapest minimum coverage car insurance in Fairfield, CA, according to recent quotes for 2023. Based on MoneyGeek scores, it is also the best option overall, balancing affordability and customer service.

The best insurer for you will vary based on your coverage needs and driver profile. GEICO offers the cheapest full coverage and minimum coverage policies. National General has the cheapest rates for those with a speeding ticket or DUI, while CSAA is the cheapest option for those with an at-fault accident. State Farm is the most affordable option for teen drivers, while USAA is the least expensive for military members. GEICO is also the best overall and best cheap auto insurance provider in Fairfield, while Chubb excelled for the best customer service.

Cheapest + BestCar InsuranceFairfield

2023

Cheapest and Best Car Insurance in Fairfield, CA

Cheapest Overall - GEICO

Cheapest Full Coverage - GEICO

Cheapest After Driving Offense - National General

Cheapest for Teens - State Farm

Cheapest for Military - USAA

Best Overall - GEICO

Best for Customer Service - Chubb

Best Cheap - GEICO

Cheapest Minimum Liability Car Insurance in Fairfield

The cheapest minimum coverage auto insurance in Fairfield is offered by these companies:

GEICO: $299 per year
CSAA: $341 per year

Chubb has the most expensive rates for a minimum coverage policy, at $687 per year.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$297	$25
GEICO	$299	$25
State Farm	$315	$26
CSAA	$341	$28
CSAA	$348	$29
GEICO	$353	$29
CSAA	$372	$31
State Farm	$415	$35
Mercury	$433	$36
Mercury	$444	$37
Kemper	$448	$37
State Farm	$475	$40
Travelers	$488	$41
Travelers	$489	$41
Progressive	$491	$41
Progressive	$501	$42
Nationwide	$509	$42
State National	$514	$43
Kemper	$517	$43
Nationwide	$528	$44
State National	$529	$44
Mercury	$540	$45
Travelers	$556	$46
Hartford	$578	$48
Farmers	$580	$48
Progressive	$585	$49
Farmers	$598	$50
National General	$606	$51
State National	$622	$52
National General	$624	$52
Capital Insurance Group	$625	$52
Allstate	$637	$53
Allstate	$643	$54
Capital Insurance Group	$648	$54
Hartford	$660	$55
Nationwide	$665	$55
Farmers	$679	$57
Kemper	$681	$57
Chubb	$687	$57
Allstate	$691	$58
Chubb	$707	$59
Capital Insurance Group	$726	$61
National General	$747	$62
State Farm	$830	$69
GEICO	$840	$70
Hartford	$852	$71
GEICO	$871	$73
Chubb	$977	$81
CSAA	$1,001	$83
GEICO	$1,002	$83
CSAA	$1,013	$84
National General	$1,026	$86
National General	$1,041	$87
State Farm	$1,060	$88
Mercury	$1,064	$89
Mercury	$1,088	$91
Progressive	$1,122	$94
CSAA	$1,128	$94
Progressive	$1,129	$94
Allstate	$1,141	$95
State National	$1,185	$99
Allstate	$1,203	$100
Nationwide	$1,209	$101
State Farm	$1,243	$104
National General	$1,245	$104
Hartford	$1,265	$105
State National	$1,278	$107
Kemper	$1,280	$107
Capital Insurance Group	$1,296	$108
Travelers	$1,301	$108
Nationwide	$1,317	$110
Allstate	$1,330	$111
Progressive	$1,356	$113
Travelers	$1,367	$114
Capital Insurance Group	$1,373	$114
Mercury	$1,410	$118
Hartford	$1,452	$121
Farmers	$1,503	$125
Farmers	$1,538	$128
Capital Insurance Group	$1,547	$129
State National	$1,575	$131
Kemper	$1,582	$132
Travelers	$1,618	$135
Chubb	$1,631	$136
Chubb	$1,684	$140
Nationwide	$1,718	$143
Farmers	$1,823	$152
Hartford	$1,875	$156
Kemper	$1,898	$158
Chubb	$2,394	$200

State law determines the liability limits for minimum coverage insurance. In California, the following coverages are required for bodily injury and personal property damage:

$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$5,000 property damage liability per accident

Minimum coverage covers only damages to third parties — not you or your vehicle. For example, if your bodily injury liability per person is $15,000 and your bodily injury liability per accident is $30,000, the insurance provider will only cover up to $15,000 in damages per victim and $30,000 per accident.

Cheapest Full Coverage Car Insurance in Fairfield

The following are the cheapest car insurance providers in Fairfield for full coverage:

GEICO: $871 per year
CSAA: $1,013 per year

At $1,631 per year, Chubb's premiums for full coverage policies are the highest in the city.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$297	$25
GEICO	$299	$25
State Farm	$315	$26
CSAA	$341	$28
CSAA	$348	$29
GEICO	$353	$29
CSAA	$372	$31
State Farm	$415	$35
Mercury	$433	$36
Mercury	$444	$37
Kemper	$448	$37
State Farm	$475	$40
Travelers	$488	$41
Travelers	$489	$41
Progressive	$491	$41
Progressive	$501	$42
Nationwide	$509	$42
State National	$514	$43
Kemper	$517	$43
Nationwide	$528	$44
State National	$529	$44
Mercury	$540	$45
Travelers	$556	$46
Hartford	$578	$48
Farmers	$580	$48
Progressive	$585	$49
Farmers	$598	$50
National General	$606	$51
State National	$622	$52
National General	$624	$52
Capital Insurance Group	$625	$52
Allstate	$637	$53
Allstate	$643	$54
Capital Insurance Group	$648	$54
Hartford	$660	$55
Nationwide	$665	$55
Farmers	$679	$57
Kemper	$681	$57
Chubb	$687	$57
Allstate	$691	$58
Chubb	$707	$59
Capital Insurance Group	$726	$61
National General	$747	$62
State Farm	$830	$69
GEICO	$840	$70
Hartford	$852	$71
GEICO	$871	$73
Chubb	$977	$81
CSAA	$1,001	$83
GEICO	$1,002	$83
CSAA	$1,013	$84
National General	$1,026	$86
National General	$1,041	$87
State Farm	$1,060	$88
Mercury	$1,064	$89
Mercury	$1,088	$91
Progressive	$1,122	$94
CSAA	$1,128	$94
Progressive	$1,129	$94
Allstate	$1,141	$95
State National	$1,185	$99
Allstate	$1,203	$100
Nationwide	$1,209	$101
State Farm	$1,243	$104
National General	$1,245	$104
Hartford	$1,265	$105
State National	$1,278	$107
Kemper	$1,280	$107
Capital Insurance Group	$1,296	$108
Travelers	$1,301	$108
Nationwide	$1,317	$110
Allstate	$1,330	$111
Progressive	$1,356	$113
Travelers	$1,367	$114
Capital Insurance Group	$1,373	$114
Mercury	$1,410	$118
Hartford	$1,452	$121
Farmers	$1,503	$125
Farmers	$1,538	$128
Capital Insurance Group	$1,547	$129
State National	$1,575	$131
Kemper	$1,582	$132
Travelers	$1,618	$135
Chubb	$1,631	$136
Chubb	$1,684	$140
Nationwide	$1,718	$143
Farmers	$1,823	$152
Hartford	$1,875	$156
Kemper	$1,898	$158
Chubb	$2,394	$200

To avoid paying expensive out-of-pocket costs for damages to your vehicle, you may obtain full coverage insurance that includes comprehensive and collision coverage.

Comprehensive coverage: Covers the cost of damages resulting from a natural disaster, vandalism or theft.
Collision coverage: Covers accidental damages to your vehicle, such as a collision with a barrier or another vehicle.

A full coverage policy may not be worth the extra cost if you have an older vehicle, as you’ll spend hundreds of dollars more per year for a lower-value car.

Cheapest Car Insurance in Fairfield After a Driving Offense

The following companies offer the cheapest full coverage policies in Fairfield for drivers with offenses:

Speeding ticket: National General ($1,078 per year)
At-fault accident: CSAA ($1,276 per year)
DUI: National General ($1,078 per year)

Nationwide ($2,275 per year), Kemper ($2,800 per year) and Hartford ($5,250 per year) provide the most expensive auto insurance rates for drivers with a speeding ticket, at-fault accident or DUI, respectively. Even “cheap” rates for drivers with violations will still be more than average-priced rates for drivers with a clean driving history.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
CSAA	$421	$35
CSAA	$421	$35
CSAA	$429	$36
CSAA	$429	$36
GEICO	$451	$38
GEICO	$456	$38
CSAA	$459	$38
CSAA	$459	$38
State Farm	$478	$40
State Farm	$498	$42
GEICO	$531	$44
GEICO	$538	$45
GEICO	$538	$45
Mercury	$554	$46
Mercury	$570	$48
Kemper	$594	$50
State Farm	$631	$53
GEICO	$633	$53
National General	$639	$53
National General	$639	$53
State Farm	$658	$55
National General	$659	$55
National General	$659	$55
Kemper	$686	$57
Capital Insurance Group	$691	$58
Mercury	$694	$58
Mercury	$697	$58
Mercury	$711	$59
GEICO	$711	$59
Capital Insurance Group	$718	$60
GEICO	$719	$60
State Farm	$720	$60
State National	$724	$60
State National	$724	$60
Capital Insurance Group	$726	$61
Travelers	$743	$62
Travelers	$744	$62
State National	$745	$62
State National	$745	$62
State Farm	$752	$63
Capital Insurance Group	$754	$63
Mercury	$771	$64
Nationwide	$784	$65
National General	$789	$66
National General	$789	$66
Farmers	$790	$66
Farmers	$790	$66
Mercury	$791	$66
Capital Insurance Group	$804	$67
Farmers	$813	$68
Farmers	$813	$68
Nationwide	$815	$68
Travelers	$825	$69
Travelers	$825	$69
Hartford	$829	$69
Hartford	$829	$69
Capital Insurance Group	$847	$71
GEICO	$847	$71
Travelers	$854	$71
Nationwide	$873	$73
Mercury	$873	$73
Chubb	$878	$73
State National	$881	$73
State National	$881	$73
Progressive	$885	$74
Allstate	$887	$74
Allstate	$896	$75
Chubb	$899	$75
Progressive	$906	$75
Kemper	$907	$76
Nationwide	$907	$76
National General	$909	$76
Farmers	$925	$77
Farmers	$925	$77
National General	$938	$78
Travelers	$948	$79
Hartford	$959	$80
Hartford	$959	$80
Allstate	$969	$81
Mercury	$972	$81
Progressive	$979	$82
State Farm	$982	$82
Farmers	$987	$82
Travelers	$992	$83
Travelers	$993	$83
Progressive	$1,002	$84
Kemper	$1,011	$84
Kemper	$1,011	$84
Farmers	$1,017	$85
Allstate	$1,021	$85
Nationwide	$1,032	$86
Allstate	$1,033	$86
Chubb	$1,064	$89
Progressive	$1,068	$89
Progressive	$1,075	$90
National General	$1,078	$90
National General	$1,078	$90
Capital Insurance Group	$1,084	$90
Chubb	$1,085	$90
National General	$1,093	$91
National General	$1,093	$91
Progressive	$1,106	$92
Allstate	$1,118	$93
Capital Insurance Group	$1,126	$94
National General	$1,127	$94
Travelers	$1,147	$96
Nationwide	$1,150	$96
CSAA	$1,150	$96
Farmers	$1,155	$96
Chubb	$1,169	$97
CSAA	$1,177	$98
Progressive	$1,184	$99
State Farm	$1,228	$102
Kemper	$1,228	$102
Kemper	$1,228	$102
GEICO	$1,255	$105
CSAA	$1,259	$105
CSAA	$1,261	$105
CSAA	$1,261	$105
Hartford	$1,265	$105
Hartford	$1,265	$105
Capital Insurance Group	$1,266	$106
CSAA	$1,276	$106
CSAA	$1,276	$106
State Farm	$1,287	$107
State Farm	$1,298	$108
State National	$1,300	$108
GEICO	$1,301	$108
Progressive	$1,306	$109
National General	$1,308	$109
National General	$1,308	$109
State National	$1,340	$112
Chubb	$1,354	$113
Chubb	$1,373	$114
Nationwide	$1,383	$115
Chubb	$1,394	$116
GEICO	$1,400	$117
Mercury	$1,402	$117
CSAA	$1,421	$118
CSAA	$1,421	$118
Mercury	$1,435	$120
Nationwide	$1,438	$120
GEICO	$1,448	$121
State Farm	$1,482	$124
Capital Insurance Group	$1,484	$124
GEICO	$1,497	$125
National General	$1,522	$127
Capital Insurance Group	$1,526	$127
National General	$1,546	$129
Kemper	$1,548	$129
Kemper	$1,548	$129
State Farm	$1,569	$131
Capital Insurance Group	$1,575	$131
State National	$1,593	$133
Capital Insurance Group	$1,618	$135
State Farm	$1,644	$137
Allstate	$1,656	$138
Chubb	$1,663	$139
GEICO	$1,668	$139
State National	$1,681	$140
State National	$1,681	$140
Kemper	$1,697	$141
Allstate	$1,750	$146
Mercury	$1,753	$146
Capital Insurance Group	$1,775	$148
Mercury	$1,792	$149
State National	$1,814	$151
State National	$1,814	$151
Capital Insurance Group	$1,826	$152
Nationwide	$1,830	$153
Allstate	$1,831	$153
State Farm	$1,838	$153
National General	$1,852	$154
Allstate	$1,856	$155
Mercury	$1,866	$156
Nationwide	$1,871	$156
Mercury	$1,877	$156
Hartford	$1,878	$157
Hartford	$1,878	$157
Mercury	$1,912	$159
State Farm	$1,926	$160
Allstate	$1,944	$162
Travelers	$1,957	$163
Hartford	$1,973	$164
GEICO	$1,985	$165
Allstate	$2,014	$168
Nationwide	$2,042	$170
Travelers	$2,047	$171
Allstate	$2,053	$171
GEICO	$2,057	$171
Farmers	$2,075	$173
Farmers	$2,075	$173
Nationwide	$2,083	$174
Kemper	$2,099	$175
Farmers	$2,123	$177
Farmers	$2,123	$177
Progressive	$2,123	$177
Chubb	$2,135	$178
Progressive	$2,137	$178
Hartford	$2,168	$181
Hartford	$2,168	$181
Travelers	$2,171	$181
Allstate	$2,180	$182
Chubb	$2,186	$182
State National	$2,239	$187
State National	$2,239	$187
Travelers	$2,264	$189
Nationwide	$2,275	$190
Progressive	$2,318	$193
Capital Insurance Group	$2,320	$193
Hartford	$2,323	$194
Mercury	$2,333	$194
Progressive	$2,339	$195
GEICO	$2,369	$197
Allstate	$2,431	$203
Travelers	$2,446	$204
Capital Insurance Group	$2,463	$205
Mercury	$2,484	$207
Farmers	$2,519	$210
Farmers	$2,519	$210
Kemper	$2,521	$210
State Farm	$2,540	$212
Progressive	$2,576	$215
Farmers	$2,593	$216
Chubb	$2,618	$218
Progressive	$2,652	$221
Farmers	$2,653	$221
Chubb	$2,671	$223
Nationwide	$2,672	$223
Progressive	$2,678	$223
Travelers	$2,709	$226
Travelers	$2,713	$226
Capital Insurance Group	$2,781	$232
Kemper	$2,800	$233
Kemper	$2,800	$233
Progressive	$2,818	$235
Hartford	$2,826	$235
Hartford	$2,826	$235
Travelers	$2,846	$237
Chubb	$2,896	$241
Nationwide	$2,983	$249
State National	$3,129	$261
Hartford	$3,147	$262
Farmers	$3,149	$262
Progressive	$3,228	$269
State Farm	$3,248	$271
Nationwide	$3,312	$276
Chubb	$3,382	$282
State National	$3,383	$282
Travelers	$3,426	$285
Chubb	$3,427	$286
Chubb	$3,480	$290
CSAA	$3,549	$296
Kemper	$3,553	$296
Kemper	$3,553	$296
CSAA	$3,595	$300
Allstate	$3,611	$301
Nationwide	$3,622	$302
State Farm	$3,803	$317
Allstate	$3,831	$319
CSAA	$4,013	$334
Kemper	$4,171	$348
Kemper	$4,171	$348
State National	$4,190	$349
Chubb	$4,191	$349
Allstate	$4,272	$356
Hartford	$4,506	$375
Nationwide	$4,766	$397
Hartford	$5,250	$438
Hartford	$6,956	$580

In most cases, the magnitude of a traffic ticket will result in an increase in your auto insurance premiums. A driver with a DUI, for example, will pay an average of $1,222 more for car insurance than a driver with a speeding ticket. Although your rates may be more expensive, getting the cheapest auto insurance for drivers with bad driving records can help you save money.

Cheapest Car Insurance in Fairfield for Teens and Their Families

In Fairfield, the following insurers offer the cheapest rates for 16-year-old teen drivers on a family policy:

State Farm: $2,467 per year for female and male teens
GEICO: $2,508 per year for female teens and $2,644 per year for male teens

Nationwide is the most expensive car insurance company for teens in Fairfield, charging an average of $4,814 annually to insure a male or female teen driver on a family policy. Because they’re considered riskier to insure, male teens typically pay higher premiums than female teens. However, this cost discrepancy levels out in early adulthood.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
GEICO	$1,108	$1,771
GEICO	$1,134	$1,813
GEICO	$1,136	$1,997
GEICO	$1,149	$1,905
GEICO	$1,162	$1,857
GEICO	$1,168	$2,052
GEICO	$1,185	$2,169
GEICO	$1,200	$2,108
GEICO	$1,316	$1,956
GEICO	$1,359	$2,234
Kemper	$1,653	$3,313
Kemper	$1,653	$3,313
Nationwide	$1,673	$3,466
Nationwide	$1,673	$3,466
GEICO	$1,694	$2,843
State Farm	$1,703	$2,492
State Farm	$1,703	$2,492
Capital Insurance Group	$1,722	$2,208
Capital Insurance Group	$1,722	$2,208
Kemper	$1,745	$3,499
Kemper	$1,745	$3,499
Progressive	$1,754	$2,813
Progressive	$1,754	$2,813
GEICO	$1,760	$3,279
Allstate	$1,763	$2,861
Allstate	$1,763	$2,861
State Farm	$1,772	$2,593
State Farm	$1,772	$2,593
State Farm	$1,802	$2,813
State Farm	$1,802	$2,813
State Farm	$1,813	$2,653
State Farm	$1,813	$2,653
Nationwide	$1,835	$3,800
Nationwide	$1,835	$3,800
Kemper	$1,837	$4,114
Kemper	$1,837	$4,114
Allstate	$1,846	$2,995
Allstate	$1,846	$2,995
GEICO	$1,852	$2,754
Allstate	$1,893	$3,327
Allstate	$1,893	$3,327
Nationwide	$1,893	$4,346
Nationwide	$1,893	$4,346
Progressive	$1,898	$3,045
Progressive	$1,898	$3,045
Kemper	$1,898	$3,806
Kemper	$1,898	$3,806
Allstate	$1,912	$3,102
Allstate	$1,912	$3,102
GEICO	$1,926	$3,165
State Farm	$1,931	$2,868
State Farm	$1,931	$2,868
Farmers	$1,934	$2,763
Farmers	$1,934	$2,763
Capital Insurance Group	$1,960	$2,615
Capital Insurance Group	$1,960	$2,615
Nationwide	$1,967	$4,073
Nationwide	$1,967	$4,073
Travelers	$1,980	$2,665
Travelers	$1,980	$2,665
Allstate	$2,029	$3,342
Allstate	$2,029	$3,342
Progressive	$2,031	$3,763
Progressive	$2,031	$3,763
Capital Insurance Group	$2,040	$2,615
Capital Insurance Group	$2,040	$2,615
Capital Insurance Group	$2,040	$2,615
Capital Insurance Group	$2,040	$2,615
Travelers	$2,049	$2,758
Travelers	$2,049	$2,758
State Farm	$2,050	$3,193
State Farm	$2,050	$3,193
State Farm	$2,069	$3,072
State Farm	$2,069	$3,072
Travelers	$2,091	$2,960
Travelers	$2,091	$2,960
Progressive	$2,127	$3,412
Progressive	$2,127	$3,412
Kemper	$2,128	$4,362
Kemper	$2,128	$4,362
Travelers	$2,136	$2,874
Travelers	$2,136	$2,874
Farmers	$2,166	$3,205
Farmers	$2,166	$3,205
Nationwide	$2,216	$4,764
Nationwide	$2,216	$4,764
Farmers	$2,244	$3,205
Farmers	$2,244	$3,205
Farmers	$2,244	$3,205
Farmers	$2,244	$3,205
Capital Insurance Group	$2,276	$2,942
Capital Insurance Group	$2,276	$2,942
State Farm	$2,278	$4,049
State Farm	$2,278	$4,049
Kemper	$2,305	$4,725
Kemper	$2,305	$4,725
Kemper	$2,325	$5,209
Kemper	$2,325	$5,209
Allstate	$2,327	$4,260
Allstate	$2,327	$4,260
Travelers	$2,333	$3,107
Travelers	$2,333	$3,107
GEICO	$2,339	$4,112
Capital Insurance Group	$2,360	$2,942
Capital Insurance Group	$2,360	$2,942
Allstate	$2,365	$3,896
Allstate	$2,365	$3,896
State Farm	$2,415	$4,293
State Farm	$2,415	$4,293
Farmers	$2,423	$3,675
Farmers	$2,423	$3,675
GEICO	$2,452	$4,779
State Farm	$2,467	$4,810
State Farm	$2,467	$4,810
GEICO	$2,508	$4,591
Progressive	$2,519	$4,128
Progressive	$2,519	$4,128
Capital Insurance Group	$2,528	$3,267
Capital Insurance Group	$2,528	$3,267
Travelers	$2,531	$3,585
Travelers	$2,531	$3,585
Travelers	$2,570	$3,424
Travelers	$2,570	$3,424
GEICO	$2,572	$4,521
Farmers	$2,619	$4,232
Farmers	$2,619	$4,232
Farmers	$2,643	$4,009
Farmers	$2,643	$4,009
GEICO	$2,644	$5,402
GEICO	$2,708	$5,277
Nationwide	$2,731	$6,586
Nationwide	$2,731	$6,586
Farmers	$2,757	$5,454
Farmers	$2,757	$5,454
Farmers	$2,825	$5,704
Farmers	$2,825	$5,704
Farmers	$2,834	$5,605
Farmers	$2,834	$5,605
Nationwide	$2,913	$6,263
Nationwide	$2,913	$6,263
Allstate	$3,105	$6,126
Allstate	$3,105	$6,126
Progressive	$3,140	$5,841
Progressive	$3,140	$5,841
Allstate	$3,215	$6,453
Allstate	$3,215	$6,453
Capital Insurance Group	$3,244	$4,043
Capital Insurance Group	$3,244	$4,043
Capital Insurance Group	$3,244	$4,043
Capital Insurance Group	$3,244	$4,043
Capital Insurance Group	$3,244	$4,043
Capital Insurance Group	$3,244	$4,043
Allstate	$3,270	$6,453
Allstate	$3,270	$6,453
Progressive	$3,337	$5,469
Progressive	$3,337	$5,469
Travelers	$3,383	$4,520
Travelers	$3,383	$4,520
Kemper	$3,507	$7,112
Kemper	$3,507	$7,112
Travelers	$3,534	$4,722
Travelers	$3,534	$4,722
Travelers	$3,542	$4,955
Travelers	$3,542	$4,955
Progressive	$3,624	$7,427
Progressive	$3,624	$7,427
Progressive	$3,647	$7,492
Progressive	$3,647	$7,492
Progressive	$3,662	$7,503
Progressive	$3,662	$7,503
Kemper	$3,842	$7,792
Kemper	$3,842	$7,792
Kemper	$3,877	$8,685
Kemper	$3,877	$8,685
Nationwide	$4,148	$8,904
Nationwide	$4,148	$8,904
Nationwide	$4,664	$10,012
Nationwide	$4,664	$10,012
Nationwide	$4,814	$12,083
Nationwide	$4,814	$12,083

Families can get the cheapest auto insurance for teens by adding them to an existing policy instead of purchasing an individual one. In Fairfield, a 16-year-old male teen could save an average of $673 per year by joining a family policy compared to purchasing an individual policy.

Cheapest Car Insurance in Fairfield for Military Drivers

Military drivers and their families can get the cheapest full coverage insurance from the following providers:

USAA: $829 per year
GEICO: $871 per year

The insurance rates listed above are for full coverage policies. For minimum coverage, GEICO offers the most affordable auto insurance at $299 per year, followed by CSAA at $341 per year.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$297	$25
GEICO	$299	$25
State Farm	$315	$26
CSAA	$341	$28
USAA	$344	$29
USAA	$345	$29
CSAA	$348	$29
GEICO	$353	$29
CSAA	$372	$31
State Farm	$415	$35
USAA	$416	$35
Mercury	$433	$36
Mercury	$444	$37
Kemper	$448	$37
State Farm	$475	$40
Travelers	$488	$41
Travelers	$489	$41
Progressive	$491	$41
Progressive	$501	$42
Nationwide	$509	$42
State National	$514	$43
Kemper	$517	$43
Nationwide	$528	$44
State National	$529	$44
Mercury	$540	$45
Travelers	$556	$46
Hartford	$578	$48
Farmers	$580	$48
Progressive	$585	$49
Farmers	$598	$50
National General	$606	$51
State National	$622	$52
National General	$624	$52
Capital Insurance Group	$625	$52
Allstate	$637	$53
Allstate	$643	$54
Capital Insurance Group	$648	$54
Hartford	$660	$55
Nationwide	$665	$55
Farmers	$679	$57
Kemper	$681	$57
Chubb	$687	$57
Allstate	$691	$58
Chubb	$707	$59
Capital Insurance Group	$726	$61
National General	$747	$62
USAA	$808	$67
USAA	$829	$69
State Farm	$830	$69
GEICO	$840	$70
Hartford	$852	$71
GEICO	$871	$73
Chubb	$977	$81
USAA	$991	$83
CSAA	$1,001	$83
GEICO	$1,002	$83
CSAA	$1,013	$84
National General	$1,026	$86
National General	$1,041	$87
State Farm	$1,060	$88
Mercury	$1,064	$89
Mercury	$1,088	$91
Progressive	$1,122	$94
CSAA	$1,128	$94
Progressive	$1,129	$94
Allstate	$1,141	$95
State National	$1,185	$99
Allstate	$1,203	$100
Nationwide	$1,209	$101
State Farm	$1,243	$104
National General	$1,245	$104
Hartford	$1,265	$105
State National	$1,278	$107
Kemper	$1,280	$107
Capital Insurance Group	$1,296	$108
Travelers	$1,301	$108
Nationwide	$1,317	$110
Allstate	$1,330	$111
Progressive	$1,356	$113
Travelers	$1,367	$114
Capital Insurance Group	$1,373	$114
Mercury	$1,410	$118
Hartford	$1,452	$121
Farmers	$1,503	$125
Farmers	$1,538	$128
Capital Insurance Group	$1,547	$129
State National	$1,575	$131
Kemper	$1,582	$132
Travelers	$1,618	$135
Chubb	$1,631	$136
Chubb	$1,684	$140
Nationwide	$1,718	$143
Farmers	$1,823	$152
Hartford	$1,875	$156
Kemper	$1,898	$158
Chubb	$2,394	$200

How to Compare Cheap Fairfield Car Insurance Quotes Online

It can take up to 15 minutes to obtain a single car insurance quote, since most insurers require that you input a significant amount of personal information. This time can add up if you’re obtaining quotes from multiple insurers.

MoneyGeek's auto insurance calculator quickly generates quotes from multiple insurers using only your age, coverage level, car model and driving record.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

Best Car Insurance in Fairfield: Summary

Depending on your requirements and preferences, the best auto insurer for you may vary. MoneyGeek identified the best auto insurance providers in Fairfield:

Best overall: GEICO (MoneyGeek score of 75 out of 100)
Best for service: Chubb (MoneyGeek score of 76 out of 100)
Best cheap: GEICO (MoneyGeek score of 78 out of 100)

A company’s overall MoneyGeek score may vary across categories based on the individual factors weighted. GEICO is regarded as the best insurer in Fairfield, but CSAA provides the best auto insurance in California. This shows how location can impact the best insurer for you based on the advertised rates and available coverages in your area. With a MoneyGeek score of 85 out of 100, USAA is another excellent choice for those with a military background.

Best Overall Car Insurance in Fairfield

According to MoneyGeek's analysis of service, cost and other factors, the best auto insurance providers for full coverage in Fairfield are:

GEICO: MoneyGeek score of 75 out of 100 ($871 per year)
State Farm: MoneyGeek score of 68 out of 100 ($1,060 per year)

Of the 14 providers ranked in our study, GEICO has the cheapest rates and one of the highest customer service scores. Unlike other insurers, you don’t have to compromise on service for cost with GEICO. If you have a military background, USAA comes highly recommended as well. It received a MoneyGeek score of 85 out of 100, owing partially to its affordable premiums at $829 per year.

How was this MoneyGeek score calculated?

pros

Has the cheapest rates among the insurers in our study

Provides unique mechanical breakdown coverage

Has a good customer satisfaction rating

cons

Has a weak claims management score

Offers few coverage options

COMPANY HIGHLIGHTS

GEICO received top marks for affordability, solidifying its ranking as the best car insurance provider in Fairfield, CA. This insurer offers standard and unique coverages.

One rare coverage option is mechanical breakdown coverage, which provides more protection for a lower price than the typical dealer-extended warranty. GEICO also offers classic car insurance, which includes liability coverage, uninsured/underinsured motorist coverage and medical coverage. However, GEICO doesn’t offer new or better car replacement coverage typically available from other insurance providers.

Although GEICO offers affordable insurance rates, you can further lower insurance expenses by getting numerous discounts. GEICO provides discounts for safe driving, installing an anti-theft device in your vehicle, bundling different policies and insuring multiple vehicles.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Fairfield for Customer Service

Excluding affordability from our scoring system, the following are the best auto insurance providers in Fairfield for customer service:

Chubb: MoneyGeek score of 76 out of 100 ($1,631 per year)
Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,373 per year)

Chubb has the second-highest score for customer satisfaction and the highest score for claims management. However, it has the most expensive average rate of the insurers we evaluated.

How was this MoneyGeek score calculated?

pros

Has the second-highest customer satisfaction score

Has the highest claims management rating

Offers original equipment manufacturer (OEM) and rental car and/or travel reimbursement coverage

cons

Has the most expensive car insurance rates

Has a below-average rating for coverage options

COMPANY HIGHLIGHTS

According to a survey conducted by J.D. Power in 2022 and the NAIC customer complaint index, Chubb provides outstanding customer service and has fewer complaints than an average company of its size. This makes Chubb the best insurance provider in Fairfield, CA, for customer service. However, its policies aren’t budget friendly — Chubb has the most expensive rates among the insurers in our comparison group.

In terms of coverage options, Chubb offers rental car and/or travel reimbursement coverage, allowing customers to rent a vehicle of the same make and model as their own if it’s totaled in a covered loss. The insurer also offers original equipment manufacturer (OEM) coverage, which pays to replace your vehicle's damaged parts with factory-original parts. Some drivers may be disappointed that Chubb doesn’t offer roadside assistance or gap insurance, two commonly available coverage options.

Best Cheap Car Insurance Companies in Fairfield

According to MoneyGeek's analysis of car insurance that meets California's minimum coverage requirements, the best cheap auto insurance companies in Fairfield are:

GEICO: MoneyGeek score of 78 out of 100 ($299 per year)
CSAA: MoneyGeek score of 68 out of 100 ($341 per year)

Although minimum coverage policies are more affordable than full coverage policies, they offer limited protection against liability costs and don’t cover accident-related damages to your vehicle.

How was this MoneyGeek score calculated?

pros

An affordable minimum coverage policy costs $299 per year

Offers discounts for bundling insurance policies, installing safety systems and insuring multiple vehicles

Has a good customer satisfaction rating

cons

Does not offer new car replacement or better car replacement coverage

Has a poor claims management rating

COMPANY HIGHLIGHTS

The best cheap auto insurance in Fairfield, CA, is provided by GEICO, which offers the most affordable minimum coverage policy at $299 per year. This insurer also provides a variety of standard and special discounts for customers.

Although already affordable, GEICO provides opportunities for policyholders to save even more through its discounts for bundling, insuring multiple vehicles, installing airbags or an anti-theft system and safe driving. In addition, it offers discounts to students with high grades and drivers who take a defensive driving course. In terms of available coverage options, you can get roadside assistance coverage that pays for flat tires, towing, jump starts and lockout services.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Fairfield

The average annual cost of auto insurance in Fairfield is $1,241. This is $24 less than the national average cost of auto insurance at $1,265 and $146 less than California's average cost of auto insurance at $1,387 per year as of October 2022. Due to factors like traffic, crime rates and population density, the cost of car insurance may differ depending on where you live. These rates reflect a full coverage policy that includes $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

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Cheapest and Best Car Insurance Companies in Fairfield, CA

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On This Page:

Cheapest Minimum Liability Car Insurance in Fairfield

Cheapest Full Coverage Car Insurance in Fairfield

Cheapest Car Insurance in Fairfield After a Driving Offense

Cheapest Car Insurance in Fairfield for Teens and Their Families

Cheapest Car Insurance in Fairfield for Military Drivers

How to Compare Cheap Fairfield Car Insurance Quotes Online

Best Car Insurance in Fairfield: Summary

Best Overall Car Insurance in Fairfield

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Fairfield for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance Companies in Fairfield

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Fairfield