Compare the Cheapest Car Insurance Quotes in Fairfield

Fairfield's annual average car insurance premium is $1,276, which is less than the state average. CSAA offers the cheapest car insurance in Fairfield at approximately $1,030 annually. MoneyGeek compared the cheapest car insurance providers in Fairfield based on coverage level and driving history. We also examine the best providers for those who value service quality above premium costs.

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Last Updated: 5/16/2022
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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, while Esurance is the best 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 balancing affordability and service.

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The 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
  • Company
    100/300/100per year
  • 1.
    CSAA
    $1,030
  • 2.
    Esurance
    $1,034
  • 3.
    GEICO
    $1,049
  • 4.
    USAA
    $1,077
  • 5.
    MetLife
    $1,138
  • 6.
    Progressive
    $1,224
  • 7.
    State Farm
    $1,255
  • 8.
    Allstate
    $1,278
  • 9.
    Mercury
    $1,311
  • 10.
    Hartford
    $1,409
  • 11.
    Travelers
    $1,477
  • 12.
    Farmers
    $1,492
  • 13.
    Allied
    $1,612

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: This helps with the replacement and repair of your car if it is stolen or damaged in a covered non-collision incident.
  • Collision insurance: This 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.

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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

  • Item
    Description
  • 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.

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The Best Car Insurance Companies in Fairfield

If you’re a driver in Fairfield looking for a balance of affordability and quality service, MoneyGeek ranked the best insurance companies in Fairfield that balances affordability and quality service.

The top companies are:

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

USAA earned a score of 100 but is not included in our analysis because they only offer services to military members and their families.

To find the top vehicle insurance providers, MoneyGeek's scoring methodology takes into account J.D. Power's financial stability, customer satisfaction and affordability ratings.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

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 Code
    State 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.

accident2 icon
Most Accidents With Fatalities107th/300
handcuffs2 icon
Most Car Thefts297th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall189th/300
umbrella icon
Most Rainy Days227th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Fairfield are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.