Table of contents
How much is car insurance in Fairfield?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that auto insurance rates in Fairfield are in line with rates across the rest of California.
Likewise, car insurance rates in Fairfield are more affordable than the national average. The average monthly payment for the United States as a whole is about $27 more expensive than in Fairfield.
Although these are the average rates for auto insurance in Fairfield, it's important to remember that you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Fairfield residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, your rates may begin to go back up in Fairfield.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Fairfield, this difference shakes out to about $6 per month. As illustrated in the table above, male drivers in the area pay about $55 on average, while female drivers pay around $49 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Fairfield, a driving record with a single accident will usually get you a rate around $73 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $47.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$48|
|15 Years or Older||$52|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Fairfield, with drivers paying around $47 per month for insurance coverage.
Car owners can expect to pay an average of around $53 a month for their policy, while SUVs usually cost around $52 a month to insure.
Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Fairfield, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$56|
Overall, married policyholders will pay slightly less for car insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Fairfield follows that pattern, with the difference totaling to around $11 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$78|
Another factor that comes into play is your living situation. The average rates for both homeowners and renters in Fairfield are around $48 per month.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, 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, auto insurance rates had been increasing from 2016-2017, before steadying out in 2018. Rates finished up in 2021, at $54 a month
How does Fairfield compare to neighboring areas?
Why are car insurance rates in Fairfield different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:
- Amount of off-street parking
- Local regulations
- Area crime rates
- Frequency of car accidents
- Total drivers
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Fairfield?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Fairfield.
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 gender and age, but also factors like your address, driving record, credit score, 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 crime rates, parking situations, and local laws -- 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?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
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.