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Licensed auto and home insurance agent
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Updated
Sitting near the San Francisco Bay, Vallejo, California, is a moderately sized city with strong naval roots, a major Six Flags amusement park, and easy access to other major cities in the state.[1] Vallejo drivers pay an average liability insurance cost of $83 per month and average full-coverage rate of $210 for California car insurance.
Vallejo’s rates are slightly higher than the California average but lower than Richmond and San Francisco, which both sit across the bay. San Francisco has a much higher population than Vallejo, according to the U.S. Census, which can help explain its much higher average rate of $166 per month.
Richmond has a similar population to Vallejo, but the towns differ in their wildfire risk, which affects insurance rates. Vallejo is surrounded by areas at moderate-to-high wildfire risk and has an average commute time of 37 minutes, according to data recorded by the city. Richmond is adjacent to a very high fire hazard severity zone and has an average commute time of 35 minutes.[2]
Although Vallejo drivers have a longer commute, Richmond vehicles are at a greater risk of fire damage, which is one reason why drivers pay an average of $174 per month.
USAA offers the cheapest liability-only car insurance for Vallejo drivers, with an average monthly rate of $65.
All drivers in Vallejo must maintain California’s minimum liability insurance requirements:[3]
$30,000 bodily injury coverage for injury/death to one person
$60,000 bodily injury coverage for injury/death to more than one person
$15,000 for property damage
California is an at-fault state, which means if you cause an accident, you’re financially responsible. It may be worth considering getting higher liability limits to ensure you have enough coverage.
The table below shows the cheapest liability-only car insurance rates in California.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $66 |
| Aspire General | $70 |
| GEICO | $70 |
| Sun Coast | $71 |
| Mercury | $73 |
| National General | $73 |
| Dairyland | $81 |
| Direct Auto | $86 |
| Root | $88 |
| Farmers | $93 |
| Anchor | $95 |
| State Farm | $101 |
| Bristol West | $102 |
| Kemper Special | $103 |
| Travelers | $106 |
| 21st Century | $115 |
| Kemper Rsvp | $115 |
| First Acceptance | $154 |
| Chubb | $180 |
Liability quotes start at $65/mo.
Vallejo is vulnerable to wildfires and flooding, both of which can cause major damage and even total your car. Unlike a liability policy, a full-coverage policy covers collision and non-collision damage to your car.
Additionally, ongoing construction at the state Route 37/Fairgrounds Drive interchange increases risks for vehicle damage.[4] If you drive there often, full coverage might be a worthwhile investment.
Aspire General offers the cheapest full-coverage car insurance for Vallejo drivers, with an average monthly rate of $120.
Below are the cheapest rates for full coverage in California.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Aspire General | $122 |
| Root | $134 |
| GEICO | $140 |
| Mercury | $141 |
| USAA | $146 |
| Kemper Special | $159 |
| Kemper Rsvp | $163 |
| Sun Coast | $168 |
| Anchor | $177 |
| Dairyland | $196 |
| National General | $196 |
| Farmers | $207 |
| Direct Auto | $209 |
| Bristol West | $215 |
| State Farm | $224 |
| Travelers | $235 |
| 21st Century | $256 |
| First Acceptance | $340 |
| Chubb | $399 |
California’s average cost for car insurance is $149 per month. Vallejo car insurance is slightly higher, at $147 per month.
Factors like property crime and the number of drivers in an area influence car insurance rates. For instance, Vallejo is in Solano County, which ranks No. 65 in the country for motor vehicle thefts, according to Insurify data. Other California counties rank much higher, including San Francisco, at No. 43. San Francisco also has a larger population, which is one reason why San Francisco’s average rates are higher than Vallejo’s.
Here’s how Vallejo’s average car insurance rates compare to those of other cities in California.
City | Average Monthly Quote |
|---|---|
| San Luis Obispo | $103 |
| Lompoc | $105 |
| Chico | $107 |
| Hanford | $107 |
| Ridgecrest | $107 |
| Santa Cruz | $108 |
| Redding | $110 |
| Santa Maria | $111 |
| Woodland | $111 |
| Tulare | $115 |
| Visalia | $115 |
| Campbell | $116 |
| Poway | $116 |
| Palm Desert | $117 |
| Santee | $117 |
| Santa Barbara | $118 |
| La Mesa | $121 |
| La Quinta | $121 |
| Pacifica | $121 |
| Napa | $122 |
| Hollister | $123 |
| Cathedral City | $124 |
| Petaluma | $124 |
| Chula Vista | $125 |
| Santa Rosa | $125 |
| Brentwood | $126 |
| Dublin | $126 |
| San Marcos | $126 |
| Vista | $126 |
| Saratoga | $127 |
| Yuba City | $127 |
| Bakersfield | $128 |
| Fresno | $128 |
| Novato | $128 |
| San Diego | $128 |
| Temecula | $128 |
| Beaumont | $129 |
| San Clemente | $129 |
| Milpitas | $130 |
| Oceanside | $130 |
| Palm Springs | $130 |
| Lodi | $131 |
| Folsom | $132 |
| Hemet | $132 |
| Concord | $133 |
| Fremont | $133 |
| San Jose | $133 |
| San Ramon | $133 |
| Escondido | $134 |
| Lake Forest | $134 |
| Oxnard | $134 |
| Ceres | $135 |
| Palo Alto | $135 |
| West Sacramento | $135 |
| Camarillo | $136 |
| Fairfield | $136 |
| Redlands | $136 |
| Roseville | $136 |
| Aliso Viejo | $137 |
| Cupertino | $137 |
| National City | $137 |
| Menifee | $138 |
| Watsonville | $138 |
| El Cerrito | $139 |
| Elk Grove | $139 |
| Modesto | $139 |
| Santa Clara | $139 |
| Tracy | $139 |
| Citrus Heights | $140 |
| El Cajon | $140 |
| Laguna Niguel | $140 |
| Murrieta | $140 |
| Norco | $140 |
| Colton | $142 |
| Stockton | $142 |
| Wildomar | $143 |
| Placentia | $144 |
| San Mateo | $144 |
| Brea | $145 |
| Huntington Beach | $145 |
| Lathrop | $145 |
| Pittsburg | $145 |
| South San Francisco | $145 |
| Moreno Valley | $146 |
| Riverside | $146 |
| Thousand Oaks | $146 |
| Vallejo | $147 |
| Antioch | $148 |
| Chino | $148 |
| Hayward | $148 |
| Orange | $148 |
| Perris | $148 |
| Chino Hills | $149 |
| Corona | $149 |
| Cypress | $150 |
| Berkeley | $151 |
| San Leandro | $151 |
| Santa Ana | $151 |
| Newport Beach | $152 |
| Ontario | $152 |
| Irvine | $153 |
| Fountain Valley | $154 |
| Rialto | $154 |
| Sacramento | $154 |
| Hesperia | $155 |
| San Bernardino | $155 |
| Fontana | $157 |
| Garden Grove | $157 |
| Rancho Cucamonga | $157 |
| Victorville | $157 |
| La Mirada | $158 |
| Anaheim | $159 |
| San Pedro | $160 |
| Adelanto | $161 |
| Buena Park | $161 |
| Whittier | $162 |
| Azusa | $163 |
| Covina | $163 |
| La Puente | $163 |
| Simi Valley | $163 |
| Norwalk | $164 |
| Pomona | $165 |
| Torrance | $165 |
| Paramount | $166 |
| San Francisco | $166 |
| Diamond Bar | $167 |
| Long Beach | $168 |
| Oakland | $168 |
| Carson | $170 |
| Walnut | $172 |
| Cerritos | $174 |
| Lancaster | $174 |
| Richmond | $174 |
| Bell Gardens | $178 |
| Culver City | $179 |
| El Monte | $179 |
| Palmdale | $179 |
| Santa Clarita | $181 |
| Pasadena | $182 |
| Temple City | $184 |
| San Gabriel | $186 |
| Lynwood | $194 |
| Compton | $195 |
| Santa Monica | $197 |
| Inglewood | $200 |
| Burbank | $212 |
| Studio City | $217 |
| Los Angeles | $220 |
| Winnetka | $231 |
| Northridge | $240 |
| Reseda | $241 |
| West Hollywood | $246 |
| Glendale | $263 |
| Beverly Hills | $268 |
*Quotes generated for Insurify users in and around Vallejo, California within the last 10 days. Last updated on August 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Vallejo, California within the last 10 days. Last updated on August 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Even if you’ve had a fender bender at Six Flags Discovery Kingdom or ran a red light on state Route 29, it’s still possible to get affordable insurance. Here are the cheapest companies for Vallejo drivers by driving profile:
Cheapest car insurance for Vallejo drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Vallejo: USAA
Cheapest car insurance for Vallejo drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Vallejo: USAA
An at-fault accident, speeding ticket, or driving under the influence (DUI) conviction can stay on your driving record for years, which means you’ll pay a higher premium than drivers with clean driving records.
Data from the California Office of Traffic Safety shows that DUI arrests and hit-and-run accidents in Vallejo are typically higher than in other cities.[5] The Vallejo police department conducts DUI checkpoints around the city to help reduce the number of intoxicated drivers, according to a press release.
High-risk drivers may also require SR-22 insurance. SR-22 filings aren’t separate insurance policies, rather certificates that prove you maintain California’s minimum liability coverage requirements.
Compare average Vallejo auto insurance rates for specific incidents below.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $147 |
| Speeding ticket | $187 |
| At-fault accident | $188 |
| DUI | $200 |
Whether you’re heading downtown to shop on Georgia Street, going to the Vallejo Naval & Historical Museum, or Mare Island, it’s important to know what the driving will be like.
More than 60% of Vallejo’s population is old enough to legally drive, according to city data, so expect plenty of traffic, especially near Six Flags Discovery Kingdom, which sees nearly 2 million annual visitors.
Both free and paid parking are available throughout the city, though there’s only one city parking garage. Although the Solano County Auto Theft Task Force is working to limit this criminal activity, it’s important to always park in well-lit areas and not leave valuables in your car.
The Mare Island bridge occasionally lifts to allow ships through, and cuts off passage for cars and pedestrians. The bridge is currently undergoing construction through 2027. Lane closures on the bridge can cause increased traffic.
The average commute time for drivers in Vallejo is 37 minutes, though any length or distance of driving could cause an incident that leads to an insurance claim or premium increase.
Vallejo has the worst roads in the Bay Area when it comes to potholes, according to a study done by the Metropolitan Transportation Commission.[6] The California Highway Patrol regularly increases its presence in Solano County to catch speeders and impaired drivers, especially during holidays.
Expert Insight: How to consider the coverage that works best for you
“It’s important to consider where you live and the local risks when you’re buying car insurance. For example, if your area attracts a lot of tourists that aren’t familiar with the local roads, it may be worth carrying full coverage to protect your car against fender-benders. If you commute to San Francisco for work by taking the ferry, you may only need liability coverage.”
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Teen drivers in Vallejo pay an average of $262 per month for car insurance, which is slightly more than the California state average of $266 per month.
Solano County works with the California Friday Night Live Partnership on programs aimed at reducing teen accidents as a result of distracted or drunk driving.[7] Teen driver fatalities in the Greater Bay Area occur at a lower rate than the state average.[8]
USAA offers the cheapest rates for young drivers in Vallejo.
The table below shows the cheapest rates for California teens.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $119 |
| Aspire General | $125 |
| GEICO | $125 |
| Sun Coast | $127 |
| Root | $131 |
| Mercury | $131 |
| Dairyland | $139 |
| National General | $143 |
| Direct Auto | $166 |
| Bristol West | $178 |
| Anchor | $180 |
| Farmers | $183 |
| Kemper Special | $184 |
| State Farm | $193 |
| 21st Century | $202 |
| Kemper Rsvp | $205 |
| Travelers | $217 |
| First Acceptance | $275 |
| Chubb | $363 |
Liability rates start at $118 for Vallejo teen drivers
Vallejo seniors pay the lowest average rates, at $75 per month. Less than 20% of Vallejo’s population is made up of residents aged 65 or older, so it’s a good idea for retirees to compare quotes to find the best rates.[9]
Below are the cheapest quotes for California seniors.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $55 |
| GEICO | $57 |
| National General | $59 |
| Mercury | $59 |
| Aspire General | $64 |
| Sun Coast | $64 |
| Dairyland | $70 |
| Direct Auto | $72 |
| Farmers | $76 |
| Anchor | $78 |
| State Farm | $82 |
| Root | $83 |
| Travelers | $87 |
| Bristol West | $87 |
| 21st Century | $93 |
| Kemper Special | $94 |
| Kemper Rsvp | $104 |
| First Acceptance | $140 |
| Chubb | $140 |
Learn more about the average costs and what factors influence auto insurance in Vallejo below.
The average cost of car insurance in Vallejo, California, is $147 per month. This includes average monthly liability-only rates of $83 and average monthly full-coverage rates of $210.
USAA, Aspire General, and GEICO offer the cheapest liability-only car insurance in Vallejo. If you’re looking for full-coverage car insurance, Aspire General, Root, and Mercury offer the cheapest rates.
Many factors affect car insurance rates in Vallejo, including wildfire and flooding risk, local tourism, and Solano County’s increased occurrences of DUI arrests and hit-and-run accidents compared to other California counties. Personal factors like your driving history, ZIP code, vehicle make and model, and coverage levels also affect your rates.
One way to lower your car insurance premium in Vallejo is to apply for the California Low-Cost Auto Insurance (CLCA) Program. The CLCA is a state-sponsored program designed to make auto insurance affordable for eligible drivers.
If you’re ineligible, you can compare quotes, look for discounts, increase your deductible, or adjust your coverage levels.
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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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.
