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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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2023

Cheapest and Best Car Insurance in Fairfield, CA

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.

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.

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.

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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.

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.

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.

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

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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

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?

Chubb

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?

GEICO

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 headshot

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.