Fairfield Car Insurance

The Zebra
May 30, 2018

Car Insurance in Fairfield

Fairfield is known for its low-cost premiums, as its mean premium sits under California's average by $142. Going over some tips below about how to save on Fairfield car insurance can save you some hard-earned money.

  • City Average: $1,571
  • State Average: $1,713
  • National Average: $1,427

Fairfield Car Insurance by Gender and Marital Status

Both gender and marital status are among the many driver attributes that have an effect on car insurance premiums in Fairfield. Rates for those who are widowed are moderately cheaper than rates for those who are single. You spend around $70 more per year if you're single or divorced as opposed to married. Luckily for men, their premiums are generally slightly cheaper than for women.

  • Female: $1,572
  • Male: $1,571
  • Single: $1,571
  • Married: $1,503
  • Divorced: $1,571
  • Widowed: $1,509

Fairfield Car Insurance by Accident or Violation History

By avoiding driving mishaps that can bloat the cost of premiums, you can not only save yourself money, but become a safer driver. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. Drivers with a DUI or reckless driving infraction in Fairfield have rates nearly triple the average for the city of $1,571. Expect your yearly car insurance premiums to grow by 58% if you are found at-fault in an accident in Fairfield.

  • DUI: $4,483
  • Reckless Driving: $4,483
  • At-fault Accident (damages less than $1000): $2,477
  • At-fault Accident (damages greater than $2000): $2,477
  • Speeding Ticket (16-20 mph over speed limit): $2,135

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Fairfield Car Insurance by Age

Teenage drivers have the most expensive rates of any age group. They have car insurance payments that average $5,870. In Fairfield, drivers see the biggest decline in premiums when they reach their 20s, as they save an average of 61% from moving out of the teenage age range. Turning 70 causes an increase in car insurance premiums, but up until that point drivers can anticipate premium reductions when they progress between age groups. When looking across all age groups, drivers in their 60s have the smallest premiums. Their rates generally average $1,340. People in their 50s ($1,379) have premiums that aren't much higher.

  • Teenagers: $5,870
  • 20s: $2,308
  • 30s: $1,541
  • 40s: $1,490
  • 50s: $1,379
  • 60s: $1,340
  • 70s: $1,490

* Credit score is considered discriminatory in California and thus is not used as a rating factor when determining how much you'll pay for auto insurance every year.