bestauto insuranceFairfieldCompare the Cheapest Car Insurance Quotes in Fairfield, CA
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Ensure you're getting the best rate. Review quotes from a top insurance company.
Fairfield's most affordable car insurance company is CSAA. However, this varies based on coverages and insurance needs. CSAA is the cheapest provider for state minimum coverage and for drivers with speeding tickets.
USAA could be the top insurer for military families. MoneyGeek found that AAA is the best car insurer in Fairfield for affordability and service.
bestauto insuranceFairfieldThe Cheapest and Best Car Insurance in Fairfield
The Cheapest Car Insurance Companies in Fairfield
On average, the cheapest car insurance providers in Fairfield for drivers looking to purchase a full coverage policy are:
- CSAA: $1,030 annually
- Esurance: $1,034 annually
USAA, Fairfield's fourth-cheapest car insurance provider at $1,077 per year, might be the best option for military families.
Fairfield's most expensive car insurer, Allied, charges 56.5% more than CSAA. A full coverage policy includes both comprehensive and collision insurance. However, your premiums may vary based on the amount of liability insurance you choose.
Cheapest Car Insurance in Fairfield
Full Coverage 100/300/100
Using our methodology, MoneyGeek collected average rates for a sample 40-year-old male driver in Fairfield with full coverage.
Full coverage includes liability, comprehensive and collision insurance. It pays for damage to your car and other drivers' cars as well as for injuries caused by you to others. It is advisable if you live in a high-risk neighborhood or have a car loan or lease.
- Comprehensive insurance: helps with the replacement and repair of your car if it is stolen or damaged in a covered non-collision incident
- Collision insurance: pays for repairs to your car if it is damaged by another vehicle
If you have an old car, you might pay more in insurance premiums than the value of your car if you get full coverage. For the cheapest rates, you should opt for liability-only insurance or even the state minimum car insurance.
Compare Car Insurance Rates in Fairfield
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Fairfield for Minimum Coverage
On average, the state minimum is the cheapest coverage available in Fairfield, the top two cheapest state minimum policy providers are:
- CSAA: $381 annually
- GEICO: $417 annually
USAA is the third-cheapest state minimum car insurance provider, with a yearly premium of $429. This provider may be a good option for active-duty military personnel, veterans and their families.
Farmers, Fairfield's most expensive state minimum car insurance provider, is $378 more expensive than CSAA. State minimum coverage is the minimum required coverage in Fairfield. However, your premiums may vary based on the provider you choose. Adjust the table below to see how much higher liability coverage may cost.
Cheapest Minimum Liability Car Insurance in Fairfield
State Minimum
State minimum coverage is the least expensive type of coverage available in Fairfield. However, it offers the least protection. The state minimum in California is $15,000 for bodily injury liability per person, $30,000 for bodily injury liability per accident and $5,000 for property damage liability per accident.
Minimum coverage car insurance may help you save money on insurance, but in the unfortunate case of an accident, you will be forced to pay extra out of pocket.
For example, if you are found to be at fault for $60,000 in medical expenses after an accident but only have $15,000 in bodily injury liability insurance per accident, you have to pay the extra amount out of pocket.
California Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Fairfield if You Have Driving Violations
A driver's driving history has a significant impact on their premiums. A DUI motorist will pay more for insurance than a driver with a clean record. Regardless, some insurance companies provide affordable premiums to drivers with violations.
On average, the cheapest insurance providers in Fairfield for drivers with a poor driving history are:
- Cheapest after a ticket: CSAA at $1,291 per year
- Cheapest after an at-fault accident: CSAA at $1,291 per year
- Cheapest after a DUI: Mercury at $2,149 per year
USAA is the cheapest for drivers with speeding tickets. However, it is only available to military members and families.
Drivers in Fairfield with poor driving histories can work to improve their records and get cheaper insurance. In the interim, it's wise to shop around and compare quotes to determine which company offers the cheapest rate.
Cheapest Car Insurance in Fairfield With a Violation
Speeding Ticket
Average Cost of Car Insurance in Fairfield
Fairfield$1,276
California$1,429
U.S.$1,424
The average cost of car insurance in Fairfield is $1,276, which is 10.7% cheaper than the state average and 10.4% cheaper than the national average. This is due to the fact that Fairfield is not considered a high-risk city by insurance providers.
Personalized Quotes to Get You the Cheapest Car Insurance in Fairfield
There are several factors that affect the rates of car insurance in Fairfield, including ZIP code, age, gender, your car make and model and the coverage level that you need.
One of the best practices to implement when shopping for an insurance provider is to compare quotes from at least three different insurance providers before making a decision. This will help you get the best deal.
Compare Car Insurance Rates in Fairfield
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Fairfield
MoneyGeek analyzed different insurers in Fairfield to determine the best car insurance based on their average premiums, claims ratings and user satisfaction scores. The best car insurance companies in Fairfield are:
- AAA: MoneyGeek score of 97 out of 100
- GEICO: MoneyGeek score of 83 out of 100
USAA is not part of our analysis of the best car insurance in Fairfield. However, it scored 83 out of 100, taking third place in the overall ranking. Note that USAA is only available for current members of the military and veterans.
1
AAA
Score:97
AAA is the top car insurance in Fairfield with the highest claims and affordability scores. A full coverage policy averages $1,030 per year. AAA offers identity theft coverage for its policyholders.
More About AAA
Auto insurance companies do not always offer identity theft coverage, yet this widely applies to AAA's policies. The coverage is also included with your AAA membership and you can choose to pay an extra fee for it or not.
Identity theft coverage protects your identity by taking care of monitoring, cancellation of cards, investigation and restoration of identity. For the standard identity theft protection, AAA can offer to track your credit behavior for unusual activity. If you become a victim of identity theft, the coverage can easily cancel all your cards. The insurer can also investigate your case and help you bring back your stolen identity.
Read MoneyGeek's AAA auto Insurance Review2
GEICO
Score:83
According to our rankings for Fairfield, GEICO ranks first in financial stability. GEICO's full coverage policy in Fairfield costs about $1,049 per year. Fairfield drivers can have mechanical breakdown insurance (MBI) on their policy.
More About GEICO
The mechanical breakdown insurance coverage is similar to the extended warranty you can get from your car dealer. The difference is that the MBI covers all of your vehicle's parts and systems instead of an extended warranty that only covers specific parts of your vehicle.
You can get MBI coverage if you have a new or leased car, as long as it's 15 months old or less. With this coverage, you won't have to worry about the repairs or replacement expenses for your car parts and systems. Other car insurance companies in Fairfield don't provide this coverage.
Read MoneyGeek's GEICO auto Insurance Review3
Esurance
Score:80
4
State Farm
Score:69
5
MetLife
Score:69
6
Mercury
Score:58
7
Progressive
Score:53
8
Travelers
Score:53
9
Allstate
Score:52
10
Farmers
Score:39
11
Hartford
Score:33
12
Allied
Score:15
Average Cost of Car Insurance by Postal Code
If you live in an area with a high rate of car accidents, theft and other risks, your ZIP code might impact your car insurance premiums.
Car insurance premiums in Fairfield vary based on your ZIP code. There is a $51 difference between the most expensive ZIP code, 94533, and the least expensive one, 94534. Compare prices in various states and ZIP codes to get the best deal.
- Zip CodeState Minimumper year
- 94534$1,250
- 94533$1,301
Factors That Impact Insurance Costs in Fairfield
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Fairfield. How Fairfield ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
