Cheapest and Best Car Insurance Companies in Vallejo, CA

GEICO has the best and least expensive minimum coverage policies. National General provides cheap full coverage and is an affordable option for drivers with a violation (like a speeding ticket or DUI). Consider GEICO or Farmers if you’re a teen driver and USAA if you have a military background. Chubb is a great option if you value exceptional customer service. The best insurance for you will depend on your driver profile and needs.

Vallejo’s auto insurance companies with the least expensive minimum coverage policies are:

• GEICO: $356 per year
• CSAA: $431 per year

Drivers will find Chubb offers the priciest quotes at roughly $752 per year as of October 2022.

In the Golden State, all minimum liability policies must cover bodily injury and property damage with these limits:

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

Minimum insurance only covers damage to the other driver and passengers. In case of an at-fault accident, your insurance company pays for each person’s medical bills up to $15,000, with a cap of $30,000 per accident. If costs exceed these limits, at-fault drivers pay the difference out of pocket.

Vallejo drivers can get the cheapest full coverage car insurance policies from:

• National General: $974 per year
• GEICO: $1,017 per year

Chubb offers the most expensive full coverage insurance with rates of $1,864 per year as of October 2022.

Full coverage offers more robust protection and includes collision and comprehensive insurance.

• Collision Insurance: Financially protects your car in the event of a crash with another vehicle or object.
• Comprehensive Insurance: Helps pay for the damage in non-collision situations like theft, falling objects, severe weather and vandalism.

Purchasing full coverage is advantageous for drivers with new vehicles who want to protect their investments. If you drive an older model, a full coverage policy could cost more than the car is worth.

National General offers the cheapest rates for common driving violations. Its premiums are:

• Speeding ticket: National General ($1,023 per year)
• At-fault accident: National General ($1,443 per year)
• DUI: National General ($1,023 per year)

Our data shows that the priciest carriers are Hartford after a DUI ($5,760 per year), Kemper after an at-fault accident ($3,363 per year) and Nationwide after a speeding ticket ($2,570 per year). Poor driving records can have a significant impact on auto insurance premiums. The most affordable quotes for drivers with bad records are typically much higher than rates for safe drivers.

Auto insurance premiums usually skyrocket after a severe driving violation since drivers are more likely to file a claim. In Vallejo, the average rates for drivers with a clean record are $1,378 per year. On average, drivers with a DUI pay $1,968, whereas those with a speeding ticket pay an extra $576. However, you can still find cheap auto insurance policies if you have a bad record.

The following auto insurance companies provide the cheapest rates for a 16-year-old driver on their family policy:

• GEICO: $2,907 per year for female teens; Farmers: $2,945 per year for male teens
• Farmers: $2,945 per year for female teens; GEICO: $3,065 per year for male teens

Nationwide has the most expensive policies at approximately $5,337 per year. Sometimes the cost of auto insurance is higher for male teens because insurance companies consider them high-risk. However, premiums are usually equal by gender in early adulthood.

The best way to save on monthly premiums is by adding your teen to the family’s auto insurance policy. The average cost of adding a teen is $3,825 per year, while purchasing a separate policy can cost $673 more. Compare the cheapest auto insurance companies for teenagers to find a suitable policy for your household.

Military personnel in Vallejo will find the cheapest full coverage policies from:

• USAA: $902 per year
• National General: $974 per year

If you’re in the market for minimum coverage, GEICO has the most affordable premiums, starting at $356 per year, while USAA offers policies at $370 per year. You can also explore other cheap auto insurance companies for drivers with a military background.

You can save time using MoneyGeek's car insurance calculator to receive quote estimates instantly. It's much quicker than taking 15 minutes or longer to fill out your personal information on different provider websites. Our calculator generates a quote based on your car's make and model, driving record, age and coverage level.

Different consumers value different factors in an insurance company. In Vallejo, the top providers for affordability, customer satisfaction and minimum coverage are:

• Best overall: GEICO (MoneyGeek score of 74 out of 100)
• Best for service: Chubb (MoneyGeek score of 76 out of 100)
• Best cheap: GEICO (MoneyGeek score of 78 out of 100)

MoneyGeek scores were adjusted for each category depending on the factor’s weighting. The best auto insurance provider in California is CSAA, another stellar option for Vallejo drivers to consider. Drivers with a military background will likely find great policies with USAA, which earned a MoneyGeek score of 85 out of 100.

We evaluated affordability and service quality to select the best overall providers in Vallejo. The top-performing companies are:

• GEICO: MoneyGeek score of 74 out of 100 ($1,017 per year)
• Progressive: MoneyGeek score of 70 out of 100 ($800 per year)

GEICO swept the competition because it offers the second most affordable premiums paired with the fourth-highest ratings in customer service. With a MoneyGeek score of 85 out of 100, USAA is a practical option for drivers with a military background.

MoneyGeek excluded affordability ratings when selecting the best options for customer service. The top companies are:

• Chubb: MoneyGeek score of 76 out of 100 ($1,864 per year)
• Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,388 per year)

Chubb received the highest marks in claims management and top customer satisfaction scores. However, its premiums are relatively expensive, so policyholders pay more for a quality customer experience.

The insurance providers that offer the best minimum coverage based on California law are:

• GEICO: MoneyGeek score of 78 out of 100 ($356 per year)
• Progressive: MoneyGeek score of 66 out of 100 ($469 per year)

Note that buying minimum coverage in Vallejo might not provide sufficient protection if you have an accident. While these policies are cheaper, they only cover liability expenses and not damage to your vehicle.

On average, car insurance premiums cost $1,378 per year in Vallejo, $9 cheaper than the average rate of auto insurance in California at $1,387 per year as of October 2022. The national average is roughly $1,265 per year and is $113 more affordable than Vallejo estimates.

The above quotes are for a full coverage policy. It has $100,000 in bodily injury liability per person plus coverage for each accident, up to $300,000 in bodily injury liability and $100,000 in property damage liability.