Fairfield Car Insurance

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 AverageU.S. Average
$1,734$1,868$1,548

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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
CompanyAverage Annual Rate
GEICO$1,137
AAA$1,444
Mercury$1,444
CSAA$1,751
Alliance$1,818

Consult our expert guide to finding the best cheap car insurance.



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 groupAverage Yearly Rate
Teenagers$6,384
20s$2,570
30s$1,687
40s$1,630
50s$1,555
60s$1,549
70s$1,798

Learn more about the impact of age on car insurance premiums.



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 StatusAverage Yearly Rate
Female$1,737
Male$1,734
Single$1,662
Married$1,662
Divorced$1,734
Widowed$1,686

Learn more about how gender and marital status have on car insurance rates.



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
CitationAverage Annual Rate
DWI/DUI$4,575
Reckless Driving$4,673
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

Get more info on how a bad driving history can impact your car insurance costs.



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 ScoreAverage Annual Rate
Very Poor$1,734
Fair$1,734
Good$1,734
Very Good$1,734
Exceptional$1,734

Learn more about the relationship between poor credit and car insurance.



Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.