
Find Car Insurance in Fairfield, CA
What You Should Know About Car Insurance in Fairfield, California
Jelly beans, anyone? Fairfield is an affordable community for young families located in the Bay Area of San Francisco that is also home to the Jelly Belly manufacturing plant. Not only does it boast a temperate climate year-round, but it also has two highly-rated school districts, several large manufacturing companies and is close to Travis Air Force Base.
Located in Solano County, the city offers quick access to San Francisco, South Lake Tahoe and Napa for the occasional wine tour. Many visitors, as well as residents, enjoy the famous Suisun Valley, which features plenty of local produce and pick-your-own orchards and farms, as well as a robust winery experience.
Almost 120,000 people call Fairfield home and there is plenty to do and see. If you will be driving in Fairfield, be sure you have the state-required car insurance. At InsureOne, agents are standing by to help you find the best car insurance at flexible costs and with white-glove service.
How Much Does Car Insurance Cost in Fairfield, California?
The minimum liability insurance in this city averages $49 monthly, while opting for full coverage and policy limits of $100K/$300K/$100K averages $181 per month. That compares to California’s average of $216 for full coverage and $53 for the state-required minimum. When comparing to what people pay on average across the country, $195 is where full coverage lands and $53 is the cost of minimum.
What Does Full Coverage vs Minimum Liability Mean?
California requires every driver to maintain a minimum amount of liability car insurance ($15K/$30K/$5K). It is designed to help pay for any injuries and damage you may cause to others if you are at fault for an accident. It will not cover your own.
Full coverage is an insurance term that generally means liability, plus comprehensive and collision. With this policy, you will have access to money to repair your own vehicle, even if you cause an accident. Many lenders require full coverage until the vehicle is paid off. Afterwards, you may choose to continue with one or the other of comprehensive and collision, or both.
If you are looking for the best car coverage to protect what is important, contact your neighborhood InsureOne agent. We will listen to what you need and research the best options for you.
Car Insurance Rates Comparison by Zip Code in Fairfield
There are five zip codes in the Fairfield area, so for this specific factor, most people will average the same amount.
Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
---|---|---|
94533 | $181 | $49 |
94534 | $173 | $47 |
94535 | $171 | $46 |
94585 | $180 | $49 |
95687 | $178 | $51 |
How Bundling Your Car and Homeowners Insurance Can Save You Money in Fairfield
You want the best insurance to protect the things that are important. But who doesn’t want to save money at the same time? When you bundle your policies with one insurer, you can save money and still have the best protection available. Here is how it works.
Bundling tells your insurer you trust them and want to do business with them. That creates a relationship that allows one party to reward another party for their loyalty. That reward often comes in the form of a discount – up to 25% off in some cases, such as bundling an auto policy with a home insurance package.
There are other good reasons to consider bundling your auto and home insurance. Administrative costs for handling separate policies are decreased for the carrier, while you also enjoy the flexibility of paying one bill instead of multiple. And when you need to file a claim, your policies are together in one place.
In conclusion, you can save money by bundling in Fairfield. You can also save time, a bonus result.
What Types of Car Insurance Discounts are Available in Fairfield?
Just like with bundling discounts, there are plenty of others available. Almost everyone should qualify for at least one. New customer? Get a new customer discount. Returning customer? Get a loyalty discount. Most insurers will allow you to take advantage of one or two discounts, so be sure and ask your agent, especially if your life circumstances change. For example, if you start working from home, you may qualify for a less annual miles discount.
Here are a few other common discounts and how much they could save on your premium.
Discount | What It’s Worth |
---|---|
Good or Safe Driver | 10-30% Off |
Affiliation (School, Employer, Team, Military) | 20-25% Off |
Senior (Over the Age of 65) | 15-35% |
Low Mileage | 5% |
Good Student | 15% |
Notable Car Insurance Laws in Fairfield
Laws about driving in California extend to Fairfield. This means all drivers must obey the rules of the road, including having a current insurance policy in place before getting behind the wheel. Keep reading to learn about the specifics.
What are the Mandatory Car Insurance Requirements in Fairfield?
The minimum legal requirement for car insurance in California is:
- Bodily Injury Liability: $15,000 for one person and $30,000 for two or more people per accident
- Property Damage Liability: $5,000 per accident
This means if you select the bare minimum in car insurance, your insurer will only pay out these amounts if you cause an accident.
For example, if you are driving in the rain and you hydroplane into someone’s brand new Mercedes, you may not have enough financial help from your insurer to cover the costs of injuries and damages. With today’s repair bills and medical prices, the bare minimum will not go far.
What happens then? You will be responsible for the rest. This could include having your assets seized. And do not forget: This coverage will not pay for any of your own repairs or injuries.
This is why many drivers choose to increase the levels of coverage, at the very least.
What is the Penalty for Driving without Insurance in Fairfield?
It is illegal to drive without insurance in California. In fact, being caught and convicted could lead to being required to file an SR-22 certificate of financial responsibility. This labels you as a high-risk driver and that leads to higher insurance costs.
Fines can be as much as $500, which goes up even further when you add on penalty assessments. Plus, California takes part in the “no pay, no play” regulations, which mean if you are driving without insurance and somebody else with insurance causes an accident, you will not be able to sue them for non-economic damages, such as pain and suffering.
Factors That Determine Your Insurance Premiums in Fairfield
All insurance companies use their own patented algorithm to arrive at a car insurance quote. That is why everybody gets a different quote. These algorithms are based on many unique factors, some of which include:
- Driving History: Probably the most important factor. Those with good driving records get the best rates, while those with no driving record (new drivers) and those with spotty records pay the most.
- Gender: Insurers like to point to studies that show males are generally riskier to insure than females.
- Coverage Levels: Increasing your level of coverage makes sense, but it does cost more. You can raise and lower your deductible if you are buying full coverage to adjust your rate up and down.
- Where You Live: If you live in a area with lots of traffic congestion and/or higher vehicle crime rates, you’ll pay more than someone who resides in a quieter place.
Here’s What You Need to Know When Driving in California
One of the really nice things about the Golden State is the variety it offers in geographical elements. In the north, there are snowy mountains and rushing creeks. Beaches with beautiful sand line the state for 840 miles. Those who enjoy a drier, more intense effect can explore a multitude of deserts. At the south end, it’s a portal into our southern neighboring country, Mexico.
All of these areas have their own driving conditions you should be aware of before embarking on a trip.
Typical Driving Conditions in Fairfield
Fairfield is mild, with warm, clear summers and a short winter season that can get wet and cold. For the most part, residents and tourists to the Jelly Belly factory won’t face extreme driving conditions. Traffic may get a little congested during rush hour.
How Many Car Accidents Happen in Fairfield Per Year?
The California Office of Traffic Safety (OTS) reported 602 total fatal and injury car crashes in 2021 in Fairfield. Of that, 10 were fatal accidents. Alcohol was involved in 68 of the total crashes and 8 involved someone under the age of 21. Speed was related to 84 of the total number.
Crash Category | VICTIMS KILLED & INJURED | OTS RANKING |
---|---|---|
Total Fatal and Injury | 602 | 10/60 |
Alcohol Involved | 68 | 17/60 |
Motorcycles | 19 | 33/60 |
Pedestrians | 37 | 20/60 |
Bicycle | 33 | 13/60 |
How Many Uninsured/Underinsured Motorists are in Fairfield?
Of the 602 fatal and injury accidents reported in Fairfield in 2021, 63 of those are attributed to hit and run drivers. What can you do if someone causes an accident and leaves the scene? If you do not add uninsured motorist (UM) coverage to your policy, you may be left holding the financial bag for your injuries and damages.
California is ranked as one of the states with the highest number of uninsured drivers. Although UM coverage is not required in the state, for peace of mind it offers it is well worth its very affordable price.
UM actually averages anywhere between $75 to $135 annually. For the safety it offers, that breaks down to a coffee at your favorite coffee shop. Ask your neighborhood InsureOne agent about adding it to your policy.
Get Covered by the Best Car Insurance in Fairfield, CA Today
If you want the best coverage with flexible options and white-glove service, call or visit your local InsureOne agency. We offer customized policies, plus we do the shopping for you so you can spend some time with the family at the Western Railway Museum or hanging out at Rockville Hills Park.
Find out why your neighbors in Fairfield are buying their insurance from InsureOne. Get a quote online, visit us at an office near you, or call us at (800) 836-2240 for a quote.