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How much is car insurance in Fairfield?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Fairfield is about $4 a month cheaper than it is for the rest of California.
Similarly, car insurance rates in Fairfield are more affordable than the national average. The average monthly payment in Fairfield is about $29 less than the rate for the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Fairfield, you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
We've broken down the average rates for Fairfield to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, your rates may climb back up in Fairfield.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. This is true in Fairfield, where male drivers pay about $8 more a month. As illustrated in the table above, female drivers in the area pay about $48 on average, while male drivers pay around $56 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Fairfield with one accident will pay around $70 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $59.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$49|
|15 Years or Older||$52|
In terms of affordable coverage, the cheapest vehicles to insure in Fairfield are usually trucks and vans, at $47 per month.
Car owners, on the other hand, typically pay around $54 per month, while SUV drivers can expect to pay about $51 a month for insurance.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. In Fairfield, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$55|
More often than not, people who are married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
In Fairfield, the difference in rates based on relationship status can be as much as $11 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$76|
Another factor taken into consideration is your living accommodations. Whether rent your home or own property in Fairfield, you can expect to pay around $49 per month.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Fairfield, CA
Recent trends in car insurance for Fairfield drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
In Fairfield, the rates for car insurance dropped from 2017-2018, before leveling out in 2019. Insurance rates finished down in 2022, at $50 per month
How does Fairfield compare to neighboring areas?
Why are car insurance rates in Fairfield different from other areas?
Car insurance companies look at numerous factors when they're deciding how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Rate of crime
- Local regulations
- Number of car accidents
- Availability of off-street parking
- Number of drivers in the community
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Fairfield?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Fortunately, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Fairfield.
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Fairfield Insurance FAQs
What factors affect car insurance quotes in Fairfield?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Fairfield different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Fairfield?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Fairfield?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Fairfield or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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