Cheapest and Best Car Insurance Companies in Vallejo, CA


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ByMark Fitzpatrick
Edited byMargarita Barresi
ByMark Fitzpatrick
Edited byMargarita Barresi

Updated: May 20, 2024

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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.

MoneyGeek Logo IconCheapest + BestCar InsuranceVallejo
2024

Cheapest and Best Car Insurance in Vallejo, CA

Why Trust MoneyGeek? Based on our unique scoring system, we analyzed Vallejo auto insurance using information from the California Department of Insurance and Quadrant Information Services.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Liability Car Insurance in Vallejo

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$356Monthly Premium$30
CSAAAnnual Premium$431Monthly Premium$36
MercuryAnnual Premium$458Monthly Premium$38
ProgressiveAnnual Premium$469Monthly Premium$39
TravelersAnnual Premium$500Monthly Premium$42
KemperAnnual Premium$502Monthly Premium$42
State FarmAnnual Premium$561Monthly Premium$47
National GeneralAnnual Premium$562Monthly Premium$47

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.

Cheapest Full Coverage Car Insurance in Vallejo

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
National GeneralAnnual Premium$974Monthly Premium$81
GEICOAnnual Premium$1,017Monthly Premium$85
ProgressiveAnnual Premium$1,111Monthly Premium$93
AllstateAnnual Premium$1,170Monthly Premium$98
MercuryAnnual Premium$1,251Monthly Premium$104
CSAAAnnual Premium$1,258Monthly Premium$105
State FarmAnnual Premium$1,364Monthly Premium$114
Capital Insurance GroupAnnual Premium$1,388Monthly Premium$116

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.

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Cheapest Car Insurance in Vallejo After a Driving Offense

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$1,023Monthly Premium$85
GEICOAnnual Premium$1,520Monthly Premium$127
CSAAAnnual Premium$1,590Monthly Premium$132
Capital Insurance GroupAnnual Premium$1,591Monthly Premium$133
MercuryAnnual Premium$1,656Monthly Premium$138
AllstateAnnual Premium$1,701Monthly Premium$142
State FarmAnnual Premium$2,024Monthly Premium$169
KemperAnnual Premium$2,039Monthly Premium$170

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.

Cheapest Car Insurance in Vallejo for Teens and Their Families

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
GEICOFamily Plan Annual Premium$2,907Individual Plan Monthly Premium$5,327
FarmersFamily Plan Annual Premium$2,945Individual Plan Monthly Premium$5,949
State FarmFamily Plan Annual Premium$3,076Individual Plan Monthly Premium$6,010
AllstateFamily Plan Annual Premium$3,105Individual Plan Monthly Premium$6,219
Capital Insurance GroupFamily Plan Annual Premium$3,253Individual Plan Monthly Premium$4,057
ProgressiveFamily Plan Annual Premium$3,485Individual Plan Monthly Premium$7,069
TravelersFamily Plan Annual Premium$3,911Individual Plan Monthly Premium$5,513
KemperFamily Plan Annual Premium$4,642Individual Plan Monthly Premium$10,395

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.

Cheapest Car Insurance in Vallejo for Military Drivers

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$902Monthly Premium$75
National GeneralAnnual Premium$974Monthly Premium$81
GEICOAnnual Premium$1,017Monthly Premium$85
ProgressiveAnnual Premium$1,111Monthly Premium$93
AllstateAnnual Premium$1,170Monthly Premium$98
MercuryAnnual Premium$1,251Monthly Premium$104
CSAAAnnual Premium$1,258Monthly Premium$105
State FarmAnnual Premium$1,364Monthly Premium$114

How to Compare Cheap Vallejo Car Insurance Quotes Online

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.

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Jun 14, 2024

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Best Car Insurance in Vallejo: Summary

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.

Best Overall Car Insurance in Vallejo

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.

How was this MoneyGeek score calculated?

GEICO

pros

checkmark

At $1,017 per year, GEICO provides the second-cheapest rates

checkmark

Offers quality customer service compared to 15 companies

checkmark

Offers mechanical breakdown insurance (MBI), a rare add-on

cons

close

Worse-than-average claims management rating

close

Extra coverages are somewhat limited

COMPANY HIGHLIGHTS

GEICO is MoneyGeek’s best pick because it has the second most affordable policies and delivers exceptional service quality. Its add-ons are relatively few, but virtually all drivers can find useful coverages.

This provider stood out because it offers mechanical breakdown insurance, a unique benefit many competitors don't provide. With mechanical breakdown insurance, policyholders receive more robust coverage than the usual dealer-extended warranty. MBI protects all your car's parts and systems, making this add-on ideal for drivers with newer cars (less than 15 months old and with mileage below 15,000).

Other coverages like roadside assistance or accident forgiveness can benefit GEICO policyholders, especially in an accident. Roadside assistance will pay for services to repair your car when it breaks down on the road, while accident forgiveness prevents rates from increasing after your first at-fault accident.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Vallejo for Customer Service

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.

How was this MoneyGeek score calculated?

Chubb

pros

checkmark

Offers original equipment manufacturer (OEM) coverage

checkmark

Top in claims management out of 15 companies

checkmark

Second place for customer satisfaction

cons

close

No roadside assistance

close

Relatively few supplementary coverages

COMPANY HIGHLIGHTS

Expect an excellent experience with Chubb since it provides outstanding service quality and effectively addresses claims. Chubb policyholders can purchase add-ons like average value, rental reimbursement and OEM coverage.

Drivers who prioritize using original parts to maintain their vehicles may like OEM coverage. This add-on ensures that your vehicle's safety systems function properly after a covered accident or breakdown by using original parts.

With agreed value coverage, you and Chubb agree on your vehicle’s value when you purchase the policy. If your car is totaled, Chubb will pay you the agreed-upon amount, which can save you thousands. In addition, the company’s rental car reimbursement pays up to $5,000 for a rental car if your vehicle isn’t drivable.

Best Cheap Car Insurance in Vallejo

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.

How was this MoneyGeek score calculated?

GEICO

pros

checkmark

Provides discounts when you have a clean record or install anti-lock brakes

checkmark

Least expensive option

checkmark

Out of 15 similar carriers, GEICO received fourth place in service quality

cons

close

Doesn’t offer a paperless or pay-in-full discount

close

Worse-than-average claims management rating

close

Optional coverages are limited

COMPANY HIGHLIGHTS

We found that GEICO is a great option for budget-friendly drivers. The company offers great customer service while charging an average premium of $30 per month, excluding possible discounts.

GEICO policyholders can access common discounts, such as bundling home and auto insurance, insuring more than one car or maintaining an accident-free driving record for five years. Vallejo drivers who install safety systems like airbags, anti-lock brakes and even anti-theft systems will likely qualify for a discount. You can secure lower premiums by completing a defensive driving or driver’s education course. GEICO also stands out from the competition because it provides rare discounts, such as a discount if you consistently wear your seatbelt or install daytime running lights.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Vallejo

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.

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.