How much does auto insurance cost in Fairfield?
The average car insurance rate in Fairfield, California, is $1,734 per year. That's cheaper than the statewide average in California ($1,868) and more expensive than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Fairfield.
AUTO INSURANCE: FAIRFIELD RATES VS. STATE + NATIONAL AVERAGES
|Fairfield Average (annual)||California Average||U.S. Average|
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Fairfield auto insurance premiums by provider
The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical insurance customer, GEICO provides Fairfield's cheapest rates. See below the best options for affordable auto insurance in Fairfield. Don't forget to get car insurance quotes based on your driving profile.
FAIRFIELD AUTO INSURANCE PREMIUMS BY COMPANY
|Company||Average Annual Rate|
Fairfield car insurance costs by age
The age group that pays the least for car insurance in Fairfield are drivers in their age_60s ($1,549per year). Those in their age_50s don't pay significantly more ($1,555).
Teenage drivers pay Fairfield's most expensive auto insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Fairfield is to age out of your teens. In Fairfield, teenage drivers pay $6,384 — a full $4,829 more than the second-most expensive rate paid by an age group.
FAIRFIELD CAR INSURANCE PREMIUMS BY DRIVER AGE
|Age group||Average Yearly Rate|
Fairfield car insurance rates by gender and marital status
In some cases, a driver's marital status and gender may affect their car insurance rates. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Fairfield pay $72 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Fairfield, insurance rates for those who are widowed are less expensive than rates for those who are single.
Gender is yet another factor that can affect auto insurance premiums. In Fairfield, female drivers pay $3 per year more than do male drivers for car insurance.
FAIRFIELD CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Gender/Marital Status||Average Yearly Rate|
Fairfield auto insurance rates by accident and citation history
Maintaining a clean driving record is an effective way to minimize your insurance rates. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Fairfield drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $2,939 per year versus the city average. A ticket for speeding results in a $710 rate hike while a DWI or DUI violation costs $2,841per year in extra insurance expenditures.
AVERAGE FAIRFIELD INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Citation||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$1,742|
|At-fault Accident (damages greater than $2,000)||$3,060|
|Speeding Ticket (16-20 mph over speed limit)||$2,444|
Fairfield auto insurance rates by credit tier
In many cases, a driver's credit level is closely correlated with their auto insurance rates. In fact, Fairfield drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 0% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Fairfield, improving your credit to "Fair" could help you earn a $0 decrease in yearly insurance premiums.
FAIRFIELD AUTO INSURANCE RATES BY CREDIT LEVEL
|Credit Score||Average Annual Rate|