Cheapest and Best Car Insurance Companies in Fairfield, CA


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ByMark Fitzpatrick
Edited byMorgan Hull
ByMark Fitzpatrick
Edited byMorgan Hull

Updated: May 20, 2024

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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.

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2024

Cheapest and Best Car Insurance in Fairfield, CA

Why Trust MoneyGeek? MoneyGeek used data from the California Department of Insurance and Quadrant Information Services to collect information on auto insurance rates, discounts and more.

352,910Quotes Analyzed
 
18Companies Compared

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$299Monthly Premium$25
CSAAAnnual Premium$341Monthly Premium$28
State FarmAnnual Premium$415Monthly Premium$35
MercuryAnnual Premium$433Monthly Premium$36
KemperAnnual Premium$448Monthly Premium$37
TravelersAnnual Premium$489Monthly Premium$41
ProgressiveAnnual Premium$491Monthly Premium$41
NationwideAnnual Premium$528Monthly Premium$44

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
GEICOAnnual Premium$871Monthly Premium$73
CSAAAnnual Premium$1,013Monthly Premium$84
National GeneralAnnual Premium$1,026Monthly Premium$86
State FarmAnnual Premium$1,060Monthly Premium$88
MercuryAnnual Premium$1,088Monthly Premium$91
ProgressiveAnnual Premium$1,122Monthly Premium$94
AllstateAnnual Premium$1,203Monthly Premium$100
State NationalAnnual Premium$1,278Monthly Premium$107

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.

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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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$1,078Monthly Premium$90
CSAAAnnual Premium$1,276Monthly Premium$106
GEICOAnnual Premium$1,301Monthly Premium$108
MercuryAnnual Premium$1,435Monthly Premium$120
State FarmAnnual Premium$1,569Monthly Premium$131
Capital Insurance GroupAnnual Premium$1,575Monthly Premium$131
KemperAnnual Premium$1,697Monthly Premium$141
AllstateAnnual Premium$1,750Monthly Premium$146

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
State FarmFamily Plan Annual Premium$2,467Individual Plan Monthly Premium$4,810
GEICOFamily Plan Annual Premium$2,508Individual Plan Monthly Premium$4,591
FarmersFamily Plan Annual Premium$2,825Individual Plan Monthly Premium$5,704
AllstateFamily Plan Annual Premium$3,215Individual Plan Monthly Premium$6,453
Capital Insurance GroupFamily Plan Annual Premium$3,244Individual Plan Monthly Premium$4,043
TravelersFamily Plan Annual Premium$3,542Individual Plan Monthly Premium$4,955
ProgressiveFamily Plan Annual Premium$3,647Individual Plan Monthly Premium$7,492
KemperFamily Plan Annual Premium$3,877Individual Plan Monthly Premium$8,685

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$829Monthly Premium$69
GEICOAnnual Premium$871Monthly Premium$73
CSAAAnnual Premium$1,013Monthly Premium$84
National GeneralAnnual Premium$1,026Monthly Premium$86
State FarmAnnual Premium$1,060Monthly Premium$88
MercuryAnnual Premium$1,088Monthly Premium$91
ProgressiveAnnual Premium$1,122Monthly Premium$94
AllstateAnnual Premium$1,203Monthly Premium$100

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.

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Jun 18, 2024

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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?

GEICO

pros

checkmark

Has the cheapest rates among the insurers in our study

checkmark

Provides unique mechanical breakdown coverage

checkmark

Has a good customer satisfaction rating

cons

close

Has a weak claims management score

close

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?

Chubb

pros

checkmark

Has the second-highest customer satisfaction score

checkmark

Has the highest claims management rating

checkmark

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

cons

close

Has the most expensive car insurance rates

close

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?

GEICO

pros

checkmark

An affordable minimum coverage policy costs $299 per year

checkmark

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

checkmark

Has a good customer satisfaction rating

cons

close

Does not offer new car replacement or better car replacement coverage

close

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 headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.