120+ more){kind=small}
3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
){kind=small}
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
){kind=small}
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
Updated
Drivers in Fairfield, California, pay an average of $88 per month for state-minimum coverage and $196 per month for full coverage. Those rates are slightly lower than the California average and lower than rates in nearby Vallejo.
Across California, bigger metros cost more, with Sacramento and San Francisco both averaging higher than Fairfield. Fairfield’s population density, about 2,900 people per square mile, is fairly low, which helps keep its rates low.[1]
Liability insurance averages $88 per month in Fairfield, which is cheaper than the California average of $98 per month.
California car insurance requirements set minimum liability limits of 30/60/15, meaning $30,000 in bodily injury liability coverage per person, $60,000 per accident, and $15,000 for property damage liability.[2]
The table below shows the cheapest liability-only car insurance quotes in Fairfield.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $62 |
| GEICO | $63 |
| Aspire General | $64 |
| Sun Coast | $66 |
| Mercury | $68 |
| National General | $68 |
| Progressive | $70 |
| Dairyland | $77 |
| Direct Auto | $80 |
| Root | $81 |
| Anchor | $88 |
| Farmers | $88 |
| Bristol West | $96 |
| State Farm | $96 |
| Kemper Special | $97 |
| Travelers | $99 |
| Kemper Rsvp | $107 |
| 21st Century | $109 |
| Hugo | $139 |
| First Acceptance | $145 |
| Chubb | $170 |
Liability quotes start at $62/mo.
Fairfield’s average full-coverage rate is $196 per month, more than in Santa Rosa or Fremont but less than in Sacramento or Oakland, according to Insurify data.
Full coverage includes comprehensive and collision coverage. Comprehensive coverage can matter locally because the Vallejo-Fairfield metro had the ninth-highest vehicle-theft rate of any U.S. metro in early 2025, according to Insurify data. California’s most-stolen car, the Honda Accord, is also Fairfield’s most common vehicle.
Below, you’ll see the cheapest full-coverage car insurance quotes in Fairfield.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Aspire General | $116 |
| Root | $128 |
| GEICO | $134 |
| Mercury | $136 |
| Progressive | $139 |
| USAA | $142 |
| Kemper Special | $153 |
| Kemper Rsvp | $157 |
| Sun Coast | $162 |
| Anchor | $169 |
| National General | $188 |
| Dairyland | $191 |
| Direct Auto | $196 |
| Farmers | $202 |
| Bristol West | $208 |
| State Farm | $218 |
| Travelers | $229 |
| 21st Century | $249 |
| First Acceptance | $328 |
| Chubb | $388 |
Glendale has some of the highest car insurance rates in California, while Santa Maria has some of the lowest rates. Fairfield’s average of $142 per month is lower than the California average and that of its Solano County neighbor, Vallejo.
The area’s low rates come despite local risk, not because of it. Fairfield’s rates of speeding tickets, at-fault accidents, and driving under the influence (DUI) arrests all run above the state’s, according to Insurify data. Fairfield still comes in cheaper because the state’s priciest metros concentrate the density and theft losses that increase California’s average.
Explore how the average cost of car insurance in Fairfield compares with rates elsewhere in California.
City | Average Monthly Quote |
|---|---|
| Lompoc | $108 |
| Ridgecrest | $109 |
| San Luis Obispo | $109 |
| Chico | $110 |
| Santa Cruz | $112 |
| Redding | $113 |
| Hanford | $114 |
| Santa Maria | $115 |
| Woodland | $115 |
| Tulare | $118 |
| Visalia | $118 |
| Palm Desert | $119 |
| Campbell | $121 |
| Poway | $121 |
| Santee | $121 |
| Santa Barbara | $123 |
| Hollister | $125 |
| La Quinta | $125 |
| La Mesa | $127 |
| Napa | $127 |
| Petaluma | $129 |
| Dublin | $130 |
| Santa Rosa | $130 |
| Cathedral City | $131 |
| Chula Vista | $131 |
| Vista | $131 |
| Novato | $132 |
| Pacifica | $132 |
| San Marcos | $132 |
| Bakersfield | $133 |
| Brentwood | $133 |
| Yuba City | $133 |
| Folsom | $134 |
| Fresno | $134 |
| Milpitas | $134 |
| Palm Springs | $134 |
| Beaumont | $135 |
| Oceanside | $135 |
| San Clemente | $135 |
| San Diego | $135 |
| Hemet | $137 |
| Lake Forest | $137 |
| Temecula | $137 |
| Fremont | $138 |
| Lodi | $138 |
| San Ramon | $138 |
| Concord | $139 |
| Oxnard | $139 |
| Camarillo | $140 |
| Cupertino | $140 |
| Escondido | $140 |
| San Jose | $140 |
| Saratoga | $140 |
| West Sacramento | $140 |
| Aliso Viejo | $141 |
| Palo Alto | $141 |
| Redlands | $141 |
| Ceres | $142 |
| San Mateo | $143 |
| El Cerrito | $144 |
| Menifee | $144 |
| Modesto | $144 |
| Roseville | $144 |
| Laguna Niguel | $145 |
| National City | $145 |
| Watsonville | $145 |
| Citrus Heights | $146 |
| Elk Grove | $146 |
| Santa Clara | $146 |
| El Cajon | $147 |
| Norco | $147 |
| Tracy | $147 |
| Colton | $148 |
| Wildomar | $148 |
| Murrieta | $149 |
| South San Francisco | $149 |
| Placentia | $150 |
| Stockton | $150 |
| Thousand Oaks | $151 |
| Antioch | $153 |
| Huntington Beach | $153 |
| Pittsburg | $153 |
| Vallejo | $153 |
| Corona | $154 |
| Lathrop | $154 |
| Orange | $154 |
| Riverside | $154 |
| Hayward | $155 |
| Moreno Valley | $155 |
| Berkeley | $156 |
| Chino | $156 |
| Perris | $156 |
| Brea | $157 |
| Cypress | $157 |
| San Leandro | $157 |
| Chino Hills | $158 |
| Newport Beach | $158 |
| La Mirada | $159 |
| Ontario | $159 |
| Santa Ana | $159 |
| Irvine | $161 |
| Rialto | $161 |
| Sacramento | $161 |
| San Bernardino | $161 |
| Fontana | $162 |
| Garden Grove | $162 |
| Fountain Valley | $164 |
| Hesperia | $164 |
| Azusa | $165 |
| Rancho Cucamonga | $165 |
| Victorville | $165 |
| Anaheim | $167 |
| Buena Park | $167 |
| Adelanto | $169 |
| San Pedro | $169 |
| La Puente | $170 |
| Simi Valley | $170 |
| Whittier | $170 |
| Norwalk | $171 |
| Pomona | $172 |
| San Francisco | $172 |
| Covina | $173 |
| Diamond Bar | $173 |
| Torrance | $174 |
| Long Beach | $175 |
| Oakland | $175 |
| Paramount | $175 |
| Carson | $178 |
| Richmond | $178 |
| Cerritos | $179 |
| Temple City | $179 |
| Walnut | $179 |
| Lancaster | $182 |
| Santa Clarita | $186 |
| Culver City | $187 |
| Pasadena | $188 |
| El Monte | $189 |
| Palmdale | $189 |
| Bell Gardens | $191 |
| San Gabriel | $195 |
| Lynwood | $204 |
| Compton | $206 |
| Santa Monica | $207 |
| Inglewood | $210 |
| Burbank | $221 |
| Studio City | $224 |
| Los Angeles | $230 |
| Winnetka | $242 |
| Reseda | $247 |
| Northridge | $250 |
| West Hollywood | $256 |
| Glendale | $276 |
| Beverly Hills | $279 |
*Quotes generated for Insurify users in and around Fairfield, California within the last 10 days. Last updated on October 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fairfield, California within the last 10 days. Last updated on October 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record is one of the biggest factors that affect what you’ll pay for car insurance in Fairfield.[3] A clean record earns the lowest quotes, while a speeding ticket, an at-fault accident, or a DUI each raises the average. Here are the cheapest companies for various driving records in Fairfield.
Cheapest car insurance for Fairfield drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Fairfield: USAA
Cheapest car insurance for Fairfield drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Fairfield: USAA
Fairfield drivers have slightly more violations than California drivers overall. About 5% have a speeding ticket, roughly 6% have an at-fault accident, and about 1.2% have a DUI, according to Insurify data. In Solano County, the California Highway Patrol targets impaired driving as part of its statewide enforcement efforts.[4]
California is an at-fault state, so the driver who causes a crash is often on the hook to pay for the damage, even if someone else was driving your car.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $142 |
| Speeding ticket | $181 |
| At-fault accident | $183 |
| DUI | $195 |
Fairfield parking is easy at its shopping centers and the Solano Town Center mall. As the Solano County seat, downtown Fairfield draws weekday traffic to its courthouse and county offices along Texas Street, where drivers rely mainly on street parking and surface lots.
Given the city’s central location between San Francisco and Sacramento, many residents commute along the I-80 corridor.
Visitors add seasonal pressure. The Jelly Belly Visitor Center alone draws nearly 500,000 people each year, and weekend wine tasting sends out-of-town drivers onto narrow Suisun Valley roads. Crowded lots are common sites of collisions, and unfamiliar tourist traffic increases crash exposure.[5]
Although most of Fairfield sits outside FEMA flood zones, the city has a history of periodic flooding. Flooding is especially concerning in low-lying stretches near Ledgewood, Union, and Green Valley creeks.[6]
Fairfield sits at the junction of I-80, I-680, and I-780, three of Solano County’s major transportation routes. Congestion is common, with rush-hour delays that can run longer than half an hour in places.[7] Weekend and holiday traffic heading toward Napa Valley and Lake Tahoe can also cause traffic delays.
Fairfield’s share of drivers with an at-fault accident already sits a bit above California’s, according to Insurify data. Congested roads further increase crash exposure, which can raise car insurance rates.
USAA offers the cheapest liability-only rates for Fairfield teen drivers, with an average liability rate of $111 per month. Nearly a quarter of the city’s residents are younger than 18, per the U.S. Census, so many households insure a first-time driver while navigating California’s first-year restricted driver’s license limits.[8]
The table below breaks down the cheapest teen rates in Fairfield.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $111 |
| GEICO | $112 |
| Aspire General | $114 |
| Sun Coast | $117 |
| Root | $120 |
| Mercury | $121 |
| Progressive | $124 |
| Dairyland | $130 |
| National General | $132 |
| Direct Auto | $153 |
| Anchor | $166 |
| Bristol West | $167 |
| Kemper Special | $172 |
| Farmers | $172 |
| State Farm | $182 |
| 21st Century | $190 |
| Kemper Rsvp | $190 |
| Travelers | $201 |
| Hugo | $247 |
| First Acceptance | $257 |
| Chubb | $340 |
Liability quotes for Fairfield teens start at $111/mo.
Roughly 1 in 7 Fairfield residents is 65 or older, according to the U.S. Census, marking a sizable share of experienced drivers on the road. Senior drivers in Fairfield pay monthly averages of $80 for liability coverage and $178 for full coverage.
The table below shows the cheapest rates for senior drivers in Fairfield.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| GEICO | $51 |
| USAA | $52 |
| National General | $55 |
| Mercury | $55 |
| Aspire General | $58 |
| Sun Coast | $60 |
| Progressive | $63 |
| Dairyland | $67 |
| Direct Auto | $67 |
| Farmers | $72 |
| Anchor | $72 |
| Root | $76 |
| State Farm | $77 |
| Travelers | $81 |
| Bristol West | $82 |
| Kemper Special | $88 |
| 21st Century | $88 |
| Kemper Rsvp | $97 |
| Hugo | $126 |
| First Acceptance | $132 |
| Chubb | $132 |
The questions below cover what Fairfield drivers most often ask when shopping for car insurance.
Car insurance in Fairfield averages $142 per month overall, according to Insurify data. That breaks down to $88 per month for state-minimum liability coverage and $196 per month for full coverage.
USAA offers the cheapest liability-only rates in Fairfield, and Aspire General is cheapest for full coverage. Other insurers offer competitive liability quotes too, including GEICO and Aspire General.
Fairfield drivers may qualify for many discounts, including safe-driver, multi-car, good-student, low-mileage, pay-in-full, and usage-based discounts. Bundling discounts for combining auto with home insurance or renters insurance are also often available.
Car insurance costs in Fairfield depend on vehicle use, annual mileage, the car’s age, make, model, value, and financing requirements. Insurers also consider your driving history and records of accidents, claims, moving violations, and license suspensions.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
