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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
2023

Cheapest and Best Car Insurance in Vallejo, CA

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.

Company
Annual Premium
Monthly Premium

GEICO

$351

$29

GEICO

$356

$30

GEICO

$418

$35

State Farm

$425

$35

CSAA

$431

$36

CSAA

$440

$37

Mercury

$458

$38

Progressive

$469

$39

CSAA

$470

$39

Mercury

$470

$39

Progressive

$473

$39

Travelers

$500

$42

Travelers

$500

$42

Kemper

$502

$42

Nationwide

$554

$46

Progressive

$555

$46

State Farm

$561

$47

National General

$562

$47

Travelers

$569

$47

Nationwide

$575

$48

Mercury

$575

$48

Kemper

$578

$48

National General

$579

$48

Farmers

$588

$49

Hartford

$601

$50

Farmers

$605

$50

State National

$605

$50

Capital Insurance Group

$619

$52

State National

$623

$52

Allstate

$631

$53

Allstate

$637

$53

State Farm

$641

$53

Capital Insurance Group

$643

$54

Allstate

$685

$57

Farmers

$686

$57

Hartford

$689

$57

National General

$693

$58

Capital Insurance Group

$720

$60

Nationwide

$725

$60

State National

$738

$61

Chubb

$752

$63

Kemper

$764

$64

Chubb

$774

$65

Hartford

$898

$75

National General

$974

$81

GEICO

$980

$82

National General

$988

$82

GEICO

$1,017

$85

State Farm

$1,066

$89

Chubb

$1,075

$90

Progressive

$1,103

$92

Progressive

$1,111

$93

Allstate

$1,113

$93

GEICO

$1,170

$98

Allstate

$1,170

$98

National General

$1,181

$98

Mercury

$1,219

$102

Mercury

$1,251

$104

CSAA

$1,253

$104

CSAA

$1,258

$105

Allstate

$1,295

$108

Capital Insurance Group

$1,307

$109

Progressive

$1,333

$111

Nationwide

$1,359

$113

State Farm

$1,364

$114

Hartford

$1,377

$115

Capital Insurance Group

$1,388

$116

CSAA

$1,393

$116

Travelers

$1,429

$119

State National

$1,438

$120

Nationwide

$1,484

$124

Travelers

$1,505

$125

Kemper

$1,537

$128

State National

$1,554

$129

Capital Insurance Group

$1,561

$130

Farmers

$1,572

$131

Hartford

$1,585

$132

State Farm

$1,596

$133

Farmers

$1,613

$134

Mercury

$1,630

$136

Travelers

$1,797

$150

Chubb

$1,864

$155

Farmers

$1,912

$159

Kemper

$1,914

$159

State National

$1,923

$160

Chubb

$1,924

$160

Nationwide

$1,943

$162

Hartford

$2,055

$171

Kemper

$2,276

$190

Chubb

$2,745

$229

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.

Company
Annual Premium
Monthly Premium

GEICO

$351

$29

GEICO

$356

$30

GEICO

$418

$35

State Farm

$425

$35

CSAA

$431

$36

CSAA

$440

$37

Mercury

$458

$38

Progressive

$469

$39

CSAA

$470

$39

Mercury

$470

$39

Progressive

$473

$39

Travelers

$500

$42

Travelers

$500

$42

Kemper

$502

$42

Nationwide

$554

$46

Progressive

$555

$46

State Farm

$561

$47

National General

$562

$47

Travelers

$569

$47

Nationwide

$575

$48

Mercury

$575

$48

Kemper

$578

$48

National General

$579

$48

Farmers

$588

$49

Hartford

$601

$50

Farmers

$605

$50

State National

$605

$50

Capital Insurance Group

$619

$52

State National

$623

$52

Allstate

$631

$53

Allstate

$637

$53

State Farm

$641

$53

Capital Insurance Group

$643

$54

Allstate

$685

$57

Farmers

$686

$57

Hartford

$689

$57

National General

$693

$58

Capital Insurance Group

$720

$60

Nationwide

$725

$60

State National

$738

$61

Chubb

$752

$63

Kemper

$764

$64

Chubb

$774

$65

Hartford

$898

$75

National General

$974

$81

GEICO

$980

$82

National General

$988

$82

GEICO

$1,017

$85

State Farm

$1,066

$89

Chubb

$1,075

$90

Progressive

$1,103

$92

Progressive

$1,111

$93

Allstate

$1,113

$93

GEICO

$1,170

$98

Allstate

$1,170

$98

National General

$1,181

$98

Mercury

$1,219

$102

Mercury

$1,251

$104

CSAA

$1,253

$104

CSAA

$1,258

$105

Allstate

$1,295

$108

Capital Insurance Group

$1,307

$109

Progressive

$1,333

$111

Nationwide

$1,359

$113

State Farm

$1,364

$114

Hartford

$1,377

$115

Capital Insurance Group

$1,388

$116

CSAA

$1,393

$116

Travelers

$1,429

$119

State National

$1,438

$120

Nationwide

$1,484

$124

Travelers

$1,505

$125

Kemper

$1,537

$128

State National

$1,554

$129

Capital Insurance Group

$1,561

$130

Farmers

$1,572

$131

Hartford

$1,585

$132

State Farm

$1,596

$133

Farmers

$1,613

$134

Mercury

$1,630

$136

Travelers

$1,797

$150

Chubb

$1,864

$155

Farmers

$1,912

$159

Kemper

$1,914

$159

State National

$1,923

$160

Chubb

$1,924

$160

Nationwide

$1,943

$162

Hartford

$2,055

$171

Kemper

$2,276

$190

Chubb

$2,745

$229

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.

Company
Annual Premium
Monthly Premium

CSAA

$534

$44

CSAA

$534

$44

GEICO

$536

$45

GEICO

$541

$45

CSAA

$545

$45

CSAA

$545

$45

CSAA

$585

$49

CSAA

$585

$49

Mercury

$589

$49

National General

$594

$49

National General

$594

$49

Mercury

$603

$50

National General

$612

$51

National General

$612

$51

GEICO

$630

$53

GEICO

$637

$53

GEICO

$638

$53

State Farm

$645

$54

Kemper

$667

$56

State Farm

$674

$56

Capital Insurance Group

$685

$57

Capital Insurance Group

$711

$59

Capital Insurance Group

$722

$60

National General

$732

$61

National General

$732

$61

Mercury

$737

$61

Mercury

$743

$62

Capital Insurance Group

$748

$62

GEICO

$751

$63

Mercury

$756

$63

Travelers

$761

$63

Travelers

$762

$64

Kemper

$770

$64

Capital Insurance Group

$796

$66

Farmers

$800

$67

Farmers

$800

$67

Mercury

$819

$68

Farmers

$822

$69

Farmers

$822

$69

Progressive

$838

$70

Capital Insurance Group

$840

$70

Mercury

$840

$70

National General

$843

$70

Travelers

$845

$70

Travelers

$845

$70

GEICO

$845

$70

Progressive

$847

$71

State Farm

$852

$71

GEICO

$854

$71

Nationwide

$856

$71

State National

$856

$71

State National

$856

$71

Hartford

$867

$72

Hartford

$867

$72

National General

$869

$72

Travelers

$876

$73

Allstate

$878

$73

State National

$882

$73

State National

$882

$73

Allstate

$886

$74

State Farm

$889

$74

Nationwide

$890

$74

Progressive

$921

$77

Mercury

$928

$77

Progressive

$933

$78

Farmers

$935

$78

Farmers

$935

$78

Nationwide

$952

$79

Allstate

$958

$80

Chubb

$966

$80

Travelers

$971

$81

State Farm

$973

$81

Chubb

$988

$82

Nationwide

$991

$83

Farmers

$999

$83

Progressive

$999

$83

Progressive

$1,004

$84

GEICO

$1,006

$84

Hartford

$1,008

$84

Hartford

$1,008

$84

Allstate

$1,011

$84

Progressive

$1,014

$85

State Farm

$1,016

$85

Travelers

$1,017

$85

Kemper

$1,018

$85

Travelers

$1,019

$85

Allstate

$1,021

$85

National General

$1,023

$85

National General

$1,023

$85

Farmers

$1,028

$86

Mercury

$1,035

$86

National General

$1,037

$86

National General

$1,037

$86

National General

$1,043

$87

State National

$1,048

$87

State National

$1,048

$87

Capital Insurance Group

$1,074

$90

Allstate

$1,106

$92

Progressive

$1,106

$92

Capital Insurance Group

$1,113

$93

Nationwide

$1,125

$94

Kemper

$1,137

$95

Kemper

$1,137

$95

Farmers

$1,168

$97

Chubb

$1,172

$98

Travelers

$1,177

$98

Chubb

$1,195

$100

Progressive

$1,204

$100

National General

$1,240

$103

National General

$1,240

$103

Capital Insurance Group

$1,253

$104

Nationwide

$1,255

$105

Chubb

$1,288

$107

State Farm

$1,328

$111

Hartford

$1,341

$112

Hartford

$1,341

$112

Kemper

$1,381

$115

Kemper

$1,381

$115

National General

$1,443

$120

National General

$1,463

$122

GEICO

$1,466

$122

CSAA

$1,476

$123

Chubb

$1,496

$125

Capital Insurance Group

$1,496

$125

CSAA

$1,508

$126

Nationwide

$1,512

$126

Chubb

$1,517

$126

GEICO

$1,520

$127

Chubb

$1,539

$128

Capital Insurance Group

$1,540

$128

State National

$1,547

$129

Nationwide

$1,573

$131

State Farm

$1,579

$132

CSAA

$1,584

$132

CSAA

$1,584

$132

CSAA

$1,590

$132

CSAA

$1,590

$132

Capital Insurance Group

$1,591

$133

State National

$1,595

$133

Mercury

$1,608

$134

Allstate

$1,613

$134

CSAA

$1,620

$135

GEICO

$1,632

$136

Capital Insurance Group

$1,636

$136

State Farm

$1,655

$138

Mercury

$1,656

$138

GEICO

$1,688

$141

Allstate

$1,701

$142

Kemper

$1,740

$145

Kemper

$1,740

$145

GEICO

$1,751

$146

National General

$1,753

$146

State Farm

$1,755

$146

CSAA

$1,759

$147

CSAA

$1,759

$147

Capital Insurance Group

$1,794

$150

Allstate

$1,810

$151

Allstate

$1,831

$153

Chubb

$1,840

$153

Capital Insurance Group

$1,845

$154

Allstate

$1,890

$158

State National

$1,907

$159

GEICO

$1,946

$162

Allstate

$1,990

$166

Allstate

$1,997

$166

Nationwide

$2,001

$167

State Farm

$2,003

$167

Mercury

$2,012

$168

State Farm

$2,024

$169

Kemper

$2,039

$170

State National

$2,043

$170

State National

$2,043

$170

Hartford

$2,051

$171

Hartford

$2,051

$171

Mercury

$2,069

$172

Progressive

$2,078

$173

Hartford

$2,080

$173

Progressive

$2,091

$174

Nationwide

$2,107

$176

Allstate

$2,115

$176

State Farm

$2,119

$177

Mercury

$2,144

$179

Travelers

$2,156

$180

Mercury

$2,163

$180

Farmers

$2,171

$181

Farmers

$2,171

$181

Mercury

$2,199

$183

State National

$2,208

$184

State National

$2,208

$184

Farmers

$2,228

$186

Farmers

$2,228

$186

Progressive

$2,258

$188

Travelers

$2,266

$189

Progressive

$2,268

$189

Nationwide

$2,304

$192

GEICO

$2,320

$193

Capital Insurance Group

$2,339

$195

Nationwide

$2,348

$196

Allstate

$2,360

$197

State Farm

$2,366

$197

Hartford

$2,371

$198

Hartford

$2,371

$198

Travelers

$2,394

$200

GEICO

$2,404

$200

Chubb

$2,444

$204

Hartford

$2,457

$205

State Farm

$2,478

$207

Capital Insurance Group

$2,487

$207

Chubb

$2,502

$209

Travelers

$2,510

$209

Progressive

$2,522

$210

Kemper

$2,542

$212

Nationwide

$2,570

$214

Progressive

$2,572

$214

Progressive

$2,580

$215

Farmers

$2,643

$220

Farmers

$2,643

$220

Mercury

$2,705

$225

Farmers

$2,713

$226

Travelers

$2,729

$227

State National

$2,736

$228

State National

$2,736

$228

Progressive

$2,739

$228

GEICO

$2,771

$231

Farmers

$2,784

$232

Capital Insurance Group

$2,806

$234

Mercury

$2,865

$239

Chubb

$3,006

$250

Travelers

$3,006

$251

Kemper

$3,025

$252

Nationwide

$3,026

$252

Travelers

$3,030

$252

Chubb

$3,064

$255

Hartford

$3,102

$259

Hartford

$3,102

$259

Progressive

$3,122

$260

Travelers

$3,169

$264

State Farm

$3,269

$272

Farmers

$3,303

$275

Chubb

$3,325

$277

Hartford

$3,358

$280

Kemper

$3,363

$280

Kemper

$3,363

$280

Nationwide

$3,379

$282

Allstate

$3,511

$293

Allstate

$3,717

$310

Nationwide

$3,740

$312

State National

$3,816

$318

Travelers

$3,845

$320

Chubb

$3,887

$324

Chubb

$3,939

$328

Chubb

$4,000

$333

Nationwide

$4,097

$341

State National

$4,132

$344

Allstate

$4,147

$346

State Farm

$4,189

$349

Kemper

$4,290

$357

Kemper

$4,290

$357

CSAA

$4,470

$372

CSAA

$4,489

$374

Chubb

$4,823

$402

State Farm

$4,896

$408

Hartford

$4,939

$412

CSAA

$4,978

$415

Kemper

$4,998

$417

Kemper

$4,998

$417

State National

$5,136

$428

Nationwide

$5,406

$450

Hartford

$5,760

$480

Hartford

$7,656

$638

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,285

$2,055

GEICO

$1,315

$2,104

GEICO

$1,317

$2,317

GEICO

$1,332

$2,210

GEICO

$1,347

$2,155

GEICO

$1,354

$2,382

GEICO

$1,373

$2,517

GEICO

$1,391

$2,446

GEICO

$1,525

$2,270

GEICO

$1,576

$2,592

Progressive

$1,676

$2,655

Progressive

$1,676

$2,655

Allstate

$1,703

$2,757

Allstate

$1,703

$2,757

Capital Insurance Group

$1,727

$2,216

Capital Insurance Group

$1,727

$2,216

Allstate

$1,783

$2,886

Allstate

$1,783

$2,886

Progressive

$1,814

$2,874

Progressive

$1,814

$2,874

Allstate

$1,828

$3,207

Allstate

$1,828

$3,207

Allstate

$1,847

$2,990

Allstate

$1,847

$2,990

Nationwide

$1,855

$3,849

Nationwide

$1,855

$3,849

Progressive

$1,941

$3,551

Progressive

$1,941

$3,551

Allstate

$1,959

$3,221

Allstate

$1,959

$3,221

GEICO

$1,963

$3,299

Capital Insurance Group

$1,966

$2,625

Capital Insurance Group

$1,966

$2,625

Kemper

$1,979

$3,965

Kemper

$1,979

$3,965

Farmers

$2,016

$2,882

Farmers

$2,016

$2,882

Progressive

$2,032

$3,220

Progressive

$2,032

$3,220

Nationwide

$2,034

$4,220

Nationwide

$2,034

$4,220

GEICO

$2,040

$3,805

Capital Insurance Group

$2,045

$2,625

Capital Insurance Group

$2,045

$2,625

Capital Insurance Group

$2,045

$2,625

Capital Insurance Group

$2,045

$2,625

Kemper

$2,090

$4,187

Kemper

$2,090

$4,187

Nationwide

$2,099

$4,827

Nationwide

$2,099

$4,827

State Farm

$2,124

$3,114

State Farm

$2,124

$3,114

GEICO

$2,147

$3,195

Nationwide

$2,180

$4,523

Nationwide

$2,180

$4,523

Travelers

$2,185

$2,964

Travelers

$2,185

$2,964

Kemper

$2,200

$4,924

Kemper

$2,200

$4,924

State Farm

$2,209

$3,239

State Farm

$2,209

$3,239

GEICO

$2,232

$3,673

Allstate

$2,247

$4,106

Allstate

$2,247

$4,106

State Farm

$2,248

$3,514

State Farm

$2,248

$3,514

Farmers

$2,258

$3,343

Farmers

$2,258

$3,343

State Farm

$2,260

$3,314

State Farm

$2,260

$3,314

Travelers

$2,262

$3,068

Travelers

$2,262

$3,068

Kemper

$2,273

$4,555

Kemper

$2,273

$4,555

Capital Insurance Group

$2,283

$2,953

Capital Insurance Group

$2,283

$2,953

Allstate

$2,284

$3,755

Allstate

$2,284

$3,755

Travelers

$2,308

$3,293

Travelers

$2,308

$3,293

Farmers

$2,339

$3,343

Farmers

$2,339

$3,343

Farmers

$2,339

$3,343

Farmers

$2,339

$3,343

Travelers

$2,358

$3,198

Travelers

$2,358

$3,198

Capital Insurance Group

$2,367

$2,953

Capital Insurance Group

$2,367

$2,953

Progressive

$2,407

$3,895

Progressive

$2,407

$3,895

State Farm

$2,408

$3,583

State Farm

$2,408

$3,583

Nationwide

$2,457

$5,291

Nationwide

$2,457

$5,291

Farmers

$2,526

$3,833

Farmers

$2,526

$3,833

Capital Insurance Group

$2,535

$3,278

Capital Insurance Group

$2,535

$3,278

Kemper

$2,548

$5,220

Kemper

$2,548

$5,220

State Farm

$2,557

$3,990

State Farm

$2,557

$3,990

Travelers

$2,575

$3,456

Travelers

$2,575

$3,456

State Farm

$2,580

$3,838

State Farm

$2,580

$3,838

GEICO

$2,712

$4,771

Farmers

$2,730

$4,414

Farmers

$2,730

$4,414

Farmers

$2,755

$4,181

Farmers

$2,755

$4,181

Kemper

$2,760

$5,654

Kemper

$2,760

$5,654

Kemper

$2,783

$6,234

Kemper

$2,783

$6,234

Travelers

$2,795

$3,988

Travelers

$2,795

$3,988

Travelers

$2,838

$3,809

Travelers

$2,838

$3,809

State Farm

$2,841

$5,059

State Farm

$2,841

$5,059

GEICO

$2,843

$5,546

Farmers

$2,874

$5,688

Farmers

$2,874

$5,688

GEICO

$2,907

$5,327

Farmers

$2,945

$5,949

Farmers

$2,945

$5,949

Farmers

$2,954

$5,846

Farmers

$2,954

$5,846

GEICO

$2,982

$5,246

Allstate

$2,998

$5,904

Allstate

$2,998

$5,904

Progressive

$3,001

$5,512

Progressive

$3,001

$5,512

State Farm

$3,012

$5,364

State Farm

$3,012

$5,364

Nationwide

$3,028

$7,314

Nationwide

$3,028

$7,314

GEICO

$3,065

$6,269

State Farm

$3,076

$6,010

State Farm

$3,076

$6,010

Allstate

$3,105

$6,219

Allstate

$3,105

$6,219

GEICO

$3,139

$6,123

Allstate

$3,159

$6,219

Allstate

$3,159

$6,219

Progressive

$3,189

$5,161

Progressive

$3,189

$5,161

Nationwide

$3,229

$6,955

Nationwide

$3,229

$6,955

Capital Insurance Group

$3,253

$4,057

Capital Insurance Group

$3,253

$4,057

Capital Insurance Group

$3,253

$4,057

Capital Insurance Group

$3,253

$4,057

Capital Insurance Group

$3,253

$4,057

Capital Insurance Group

$3,253

$4,057

Progressive

$3,463

$7,008

Progressive

$3,463

$7,008

Progressive

$3,485

$7,069

Progressive

$3,485

$7,069

Progressive

$3,499

$7,080

Progressive

$3,499

$7,080

Travelers

$3,735

$5,028

Travelers

$3,735

$5,028

Travelers

$3,902

$5,253

Travelers

$3,902

$5,253

Travelers

$3,911

$5,513

Travelers

$3,911

$5,513

Kemper

$4,199

$8,512

Kemper

$4,199

$8,512

Nationwide

$4,599

$9,888

Nationwide

$4,599

$9,888

Kemper

$4,600

$9,325

Kemper

$4,600

$9,325

Kemper

$4,642

$10,395

Kemper

$4,642

$10,395

Nationwide

$5,171

$11,118

Nationwide

$5,171

$11,118

Nationwide

$5,337

$13,419

Nationwide

$5,337

$13,419

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.

Company
Annual Premium
Monthly Premium

GEICO

$351

$29

GEICO

$356

$30

USAA

$370

$31

USAA

$370

$31

GEICO

$418

$35

State Farm

$425

$35

CSAA

$431

$36

CSAA

$440

$37

USAA

$447

$37

Mercury

$458

$38

Progressive

$469

$39

Mercury

$470

$39

CSAA

$470

$39

Progressive

$473

$39

Travelers

$500

$42

Travelers

$500

$42

Kemper

$502

$42

Nationwide

$554

$46

Progressive

$555

$46

State Farm

$561

$47

National General

$562

$47

Travelers

$569

$47

Nationwide

$575

$48

Mercury

$575

$48

Kemper

$578

$48

National General

$579

$48

Farmers

$588

$49

Hartford

$601

$50

Farmers

$605

$50

State National

$605

$50

Capital Insurance Group

$619

$52

State National

$623

$52

Allstate

$631

$53

Allstate

$637

$53

State Farm

$641

$53

Capital Insurance Group

$643

$54

Allstate

$685

$57

Farmers

$686

$57

Hartford

$689

$57

National General

$693

$58

Capital Insurance Group

$720

$60

Nationwide

$725

$60

State National

$738

$61

Chubb

$752

$63

Kemper

$764

$64

Chubb

$774

$65

USAA

$879

$73

Hartford

$898

$75

USAA

$902

$75

National General

$974

$81

GEICO

$980

$82

National General

$988

$82

GEICO

$1,017

$85

State Farm

$1,066

$89

Chubb

$1,075

$90

USAA

$1,078

$90

Progressive

$1,103

$92

Progressive

$1,111

$93

Allstate

$1,113

$93

GEICO

$1,170

$98

Allstate

$1,170

$98

National General

$1,181

$98

Mercury

$1,219

$102

Mercury

$1,251

$104

CSAA

$1,253

$104

CSAA

$1,258

$105

Allstate

$1,295

$108

Capital Insurance Group

$1,307

$109

Progressive

$1,333

$111

Nationwide

$1,359

$113

State Farm

$1,364

$114

Hartford

$1,377

$115

Capital Insurance Group

$1,388

$116

CSAA

$1,393

$116

Travelers

$1,429

$119

State National

$1,438

$120

Nationwide

$1,484

$124

Travelers

$1,505

$125

Kemper

$1,537

$128

State National

$1,554

$129

Capital Insurance Group

$1,561

$130

Farmers

$1,572

$131

Hartford

$1,585

$132

State Farm

$1,596

$133

Farmers

$1,613

$134

Mercury

$1,630

$136

Travelers

$1,797

$150

Chubb

$1,864

$155

Farmers

$1,912

$159

Kemper

$1,914

$159

State National

$1,923

$160

Chubb

$1,924

$160

Nationwide

$1,943

$162

Hartford

$2,055

$171

Kemper

$2,276

$190

Chubb

$2,745

$229

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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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

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

Offers quality customer service compared to 15 companies

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

cons

Worse-than-average claims management rating

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

Offers original equipment manufacturer (OEM) coverage

Top in claims management out of 15 companies

Second place for customer satisfaction

cons

No roadside assistance

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

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

Least expensive option

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

cons

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

Worse-than-average claims management rating

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 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.