Fairfield, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Fairfield, CA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
The Five Most Popular Car Insurance Companies in Fairfield, CA
The average cost of auto insurance in Fairfield, CA, is $1,416 and is lower than auto insurance in neighboring places such as Hartley, Green Valley, Solano County, Elmira and Suisun City. Auto insurance in Fairfield depends on numerous factors ranging from the make and model of the vehicle to the driver’s age. Below is a list of the top five auto insurance companies in Fairfield.
STATE FARM:
State Farm occupies the first spot with a massive 4,106,038 direct premiums written and 4,090,146 direct premiums earned. The company holds a market share of 13.74% in California. State Farm received a score of 808/1000 in the J.D. Power Auto Insurance Study. One only needs to go as far as State Farm’s online faculty for an overview of the various insurance coverages they provide. The company is credited with a solid rating of A++ by A.M. Best.
FARMERS:
Farmers occupies a market share of 10.68% in California. The company has 3,191,341 direct premiums written, and 3,189,468 direct premiums earned. The ease of navigating the Farmers website is an added advantage. Farmers ranks a tad low on the J.D. Power Auto Insurance Study with a score of 805/1000. A.M. Best has given Farmers an A rating for its financial strength in the markets.
GEICO:
With 2,897,713 direct premiums written and 2,794,052 direct premiums earned, GEICO is a close third. The company has a market share of 9.69% in California and enjoys an A.M. Best Rating of A++. GEICO received a score of 825/1000 on the J.D. Power Auto Insurance Study, and also received the “Better Than The Most” tag.
ALLSTATE:
Allstate has 2,687,887 direct premiums written and 2,640,022 direct premiums earned in California. Allstate occupies the fourth spot with a market share of 8.99%. The company was one of the leading insurance providers in the auto insurance market back in 2010. Allstate has a J.D. Power Auto Insurance score of 808/1000 and an A.M. Best Rating of A+.
AAA:
AAA enjoys the “Better Than The Most” tag, alongside a J.D. Power score of 834/1000. The company occupies a market share of 8.69%. AAA offers Umbrella Liability Insurance and enjoys an A.M. Best Rating of A. It has 2,598,340 direct premiums written, and 2,470,179 direct premiums earned.
Factors that can influence the cost of car insurance in Fairfield, CA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Fairfield, CA Auto Insurance Rates
- Fairfield, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Fairfield, CA
- Multi Vehicle Insurance Savings in Fairfield, CA
- How Credit Score Affects Car Insurance Rates in Fairfield, CA
- How DUI Affects Auto Insurance Premiums in Fairfield, CA
- How Driving Violations Affect Auto Insurance Rates in Fairfield, CA
- Fairfield, CA Auto Insurance Discounts on Anti Theft Feature
- Fairfield, CA Auto Insurance Company Reviews
Fairfield, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Fairfield, CA with that of other cities in and around Fairfield.
| Fairfield | Hartley | Green Valley | Solano County | Elmira | Suisun City | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,416 | $1,926 | $1,998 | $1,856 | $2,259 | $1,835 |
Fairfield, CA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Fairfield, CA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Fairfield | $1,514 | $1,279 |
| Suisun City | $1,318 | $1,114 |
| Fairfield-Suisun City | $1,337 | $1,129 |
| Solano County | $1,414 | $1,195 |
| Green Valley | $2,058 | $1,738 |
| Elmira | $2,327 | $1,965 |
| Vacaville | $1,082 | $914 |
| Hartley | $1,942 | $1,640 |
Fairfield, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Fairfield, CA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,595 |
| 20 Years | $1,819 |
| 30 Years | $1,401 |
| 40 Years | $1,348 |
| 50 Years | $1,249 |
| 60 Years | $1,266 |
| 70 Years | $1,474 |
Fairfield, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Fairfield, CA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,407 | $425 |
| 3 Vehicles | $3,611 | $637 |
| 4 Vehicles | $4,814 | $850 |
Savings on 2 Vehicles bundle:$425
Savings on 3 Vehicles bundle:$637
Savings on 4 Vehicles bundle:$850
Fairfield, CA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Fairfield, CA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Fairfield | $1,416 | $3,486 |
| Suisun City | $1,835 | $4,518 |
| Fairfield-Suisun City | $1,853 | $4,562 |
| Solano County | $1,856 | $4,570 |
| Green Valley | $1,998 | $4,919 |
| Elmira | $2,259 | $5,562 |
| Vacaville | $1,313 | $3,233 |
| Hartley | $1,926 | $4,742 |
Fairfield, CA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,215 |
| Excellent (740-799) | $1,387 |
| Good (670-739) | $1,475 |
| Average (580-669) | $1,925 |
| Poor (300-579) | $2,310 |
Fairfield, CA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$62 | $1,478 |
| Driver's Failure In Showing Documents | +$137 | $1,553 |
| Driving With An Expired Registration | +$146 | $1,562 |
| Driving At A Considerably Slow Pace | +$307 | $1,723 |
| Using A Cellphone While Driving | +$324 | $1,740 |
| Running A Red Light | +$330 | $1,746 |
| Speeding | +$347 | $1,763 |
| Driving A Vehicle Without The Required Permission | +$440 | $1,856 |
| Driving With An Expired/Suspended License | +$954 | $2,370 |
Fairfield, CA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,359 |
| Active Disabling Device | $1,359 |
| Tracking Device | $1,331 |
| Passive Disabling Device | $1,317 |
Latest Auto Insurance Reviews in Fairfield, CA | Back to Top
GeicoThe premiums are comparable to USAA. The premium for 2 cars and a motorcycle is only around $150 a month. That is quite a nice price. The deductible is set at $500.
State FarmThe deductible and premiums are super fair when it comes to the cars. I have one car that largely sits at home that we don't use much that is at a very good rate.
State FarmYes, I would recommend state farm as a car insurance company to family and friends. Their rates are fair and you get bonuses for being a safe driver.
AllstateI am satisfied with my premiums and deductibles. I can always compared multiple insurance providers before i decide to take insurance policy.
TravelersI have not had occasion to use customer service, because luckily I have not had the need to. So I would rate them a 5 because I have not had an issue with them.
GeicoWe have not had to file a claim with GEICO, but customer service was good when we obtained our policy.
Safeco InsuranceSafeco is a very reputable company and I would highly recommend them due to the only experience I have had with their customer service and their fair rates.
MetlifeI am very satisfied with their policy offerings. After I bought my new car my rates only increased $20 or so. After my car was paid for and got some age on it they were very helpful when I went with the coverage I need per State law.
MetlifeI am very satisfied with their policy offerings. After I bought my new car my rates only increased $20 or so. After my car was paid for and got some age on it they were very helpful when I went with the coverage I need per State law.
GeicoI like their efficiency when it comes to handling anything to do with my policy as well as anything having to do with a claim. Whenever I've had a claim they have always jumped right on getting my vehicle prepared, providing me with a rental, and keeping me updated on everything on my claim and policy
GeicoI like the price and the ease of use from geico compared to my old state farm insurance. So far i am satisfied but haven't had to make a claim yet.
GeicoGeico offers all the type of insurances that I will ever need. I use their auto and RV insurance but they also offer watercraft insurance as well. Overall, their types of insurances beat all their competitors that I compared them to, so for all those reasons I would rate them as a 1.
The Hartfordthe insurance premium rates varies from state to state which i didn't liked
Safe Auto InsuranceMy insurance company offers the same as many other insurance companies. I'm rating the company as a 1
GeicoThe company is a company like any other. They offer what anyone else can offer, they aren't special, but they offer me the lowest rate out of any other insurance company when I was looking for insurance.
GeicoThe customer support is spot on. Every time I call they are able to help me solve my problem quickly
AllstatePremium is much lower than other quotes I'd gotten when shopping around, and higher levels of coverage also. Couldn't be happier.
Esurancethey offer a policy that meets my budget compared to others