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Cheap Auto Insurance Quotes in Napa, CA, for September 2022

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Amy Beardsley

By: Amy Beardsley

Edited by Danny Smith

Updated September 15, 2022

Quick Facts

  • The average cost of car insurance in Napa is $165 per month or $1,980 annually.

  • Car insurance in Napa is $91 less than the average cost of insurance in California.

  • The cheapest car insurance provider in Napa on average is Bluefire.

Car Insurance in Napa, CA

With the high cost of living in Napa, it’s hard to believe you could get cheap car insurance there. But it’s possible. Drivers can score car insurance for as low as $47 per month, but some drivers pay more for premiums. Your cost depends on several factors, and the best way to find cheap auto insurance rates is to compare companies. Here’s what you need to know.

Quotes by Top Companies

Bluefire
$47
Mile Auto
$104
Travelers
$117
National General
$131
Progressive
$146

See More:

Cheap Car Insurance California

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Cheapest Car Insurance in Napa, CA

What is the cheapest car insurance in Napa?

Bluefire is the cheapest top car insurance provider on average in Napa, with rates starting at $47 per month. It’s still important to compare car insurance quotes, as everyone’s situation is unique.

There are plenty of providers in Napa with average rates that come in under $200. With so many providers to choose from, it’s so important to take the time to compare car insurance quotes online.

Insurance CompanyAverage Monthly Quote
Bluefire$47
Mile Auto$104
Travelers$117
National General$131
Progressive$146
Metromile$117
Clearcover$120
Freedom National$120
21st Century$125
Aspire General$135
Mercury$135
SafeAuto$140
Anchor$153
Sun Coast$158
Workmen’s$159
Safeco$166
Kemper$186
MAPFRE$189
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Minimum Car Insurance Requirements in California

All motor vehicles operated or parked on California roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in California[1] are:

  • $15,000 per person for bodily injury

  • $30,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. California is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $5,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Napa Car Insurance Rates by Driving and Accident History

Drivers with excellent driving records tend to get the lowest rates. That’s because car insurance companies use your driving record as a factor[2]. The more marks you have, the more likely you are to file a claim—and claims cost the insurer money. Avoiding speeding tickets, at-fault car accidents, and DUIs can help keep your car insurance policy affordable.

Driver HistoryAverage Monthly Cost
Clean Record$162
Speeding Ticket$217
At-Fault Accident$237
DUI$322
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More:

High-Risk Car Insurance California

DUI Car Insurance California

Napa Car Insurance Rates by Credit Tier

California prohibits insurers from using your credit score as a factor in your quote[3]. Because companies don’t use your credit score and history for underwriting, late payments, collections, and other negative marks don’t directly impact your rate. Instead, insurance companies must rely on things like location and driving history.

How to Get the Cheapest Car Insurance in Napa

You have a lot of options when it comes to finding cheap car insurance in Napa, but not all of them are created equal. Generally, having a clean driving record can help you get lower rates. Your premiums also depend on the type of car you drive and the insurance policy options you choose. For example, basic liability insurance is cheaper than full coverage for your vehicle.

But the best way to get the cheapest car insurance is to compare your options. If you’re looking for the lowest rates, use Insurify to compare car insurance quotes. You can get free quotes from top insurance companies entirely online. And if you have questions? We have neutral insurance agents ready to help you find the most affordable coverage for your insurance needs.

Frequently Asked Questions

  • Your first step to finding cheap car insurance is to find out what your current auto insurance company offers. Do they have discounts that can lower your rates, like bundling auto insurance with renters insurance or home insurance? It’s time to compare rates from different providers. An online quote-comparison tool is the fastest way to see how much you could save.

  • Napa drivers pay an average of $165 for car insurance. The cheapest auto coverage in Napa is from Bluefire, with an average rate of $47 per month. Your premiums could be more or less and generally depend on factors like your driving history, your car’s year, make, and model, and the type of coverage you choose.

  • Many factors can cause your car insurance rates to be high in Napa. One major factor is your driving history. DUIs, at-fault accidents, speeding, reckless driving, and other infractions can increase your premiums. However, your credit history won’t impact your quote—insurers in California can’t use your credit score to set your car insurance rate.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Amy Beardsley
Amy Beardsley
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Insurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

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Sources

  1. California Department of Motor Vehicles. "State Minimum Car Insurance." Accessed May 28, 2022
  2. The Online Traffic School, Inc. - California. "How California Traffic Tickets Affect Auto Insurance?." Accessed July 28, 2022
  3. The Pew Charitable Trusts. "Some States Take Aim at 'Discriminatory' Auto Insurance Pricing." Accessed July 28, 2022