Cheapest and Best Car Insurance in Vallejo, CA (2024)

In Vallejo, California's competitive insurance market, GEICO emerges as the most affordable for minimum coverage, while Progressive takes the lead for full coverage.

Families with teens may find the best rates with Farmers. Capital Insurance Group is celebrated for its overall value, balancing price and service, and Chubb stands out for exceptional customer service.

GEICO is the cheapest option for minimum coverage car insurance in Vallejo. If you’re seeking the cheapest car insurance, identifying an affordable provider can significantly reduce your annual expenses.

• GEICO: $403 per year
• Mercury: $442 per year

Chubb has the most expensive minimum coverage policy in Vallejo, with an annual premium of $752. This contrast, an additional $349 per year compared with GEICO, underscores the importance of shopping around to find the best car insurance rates to fit your budget.

State Minimum Liability Requirements

For all California cities, including Vallejo, car insurance minimums are dictated by state law. These required coverages provide a financial safety net while on the road:

• $15,000 for bodily injury per person
  
• $30,000 for bodily injury per accident
  
• $5,000 for property damage liability per accident
  

For instance, if you're at fault in an accident that injures another driver, your minimum coverage policy would cover up to $15,000 for their injuries and up to $30,000 total for injuries in the accident. Should costs exceed these limits, any additional amounts would need to be paid out of pocket.

Progressive is the cheapest option in Vallejo when looking for the cheapest full coverage car insurance.

• Progressive: $1,156 per year
• GEICO: $1,164 per year

Farmers offers the most expensive full coverage policy in Vallejo at $2,078 annually. The difference of $922 between the cheapest and most expensive underscores the importance of comparing rates to ensure you're not overpaying for full coverage, which typically costs more than minimum coverage due to the comprehensive protection it offers.

Do You Need Full Coverage in California?

A full coverage policy in Vallejo includes coverage for damage to your own vehicle in the form of comprehensive and collision coverages. It usually also includes increased liability limits.

• Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

If you have a new vehicle, it's wise to opt for full coverage insurance for more robust financial protection. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.

On the other hand, owners of older vehicles may find that the extra cost — which can amount to several hundred dollars more per year — is not justified by the value of the vehicle. When deciding how much car insurance coverage you need, consider your ideal balance: more extensive coverage comes with higher premiums, but getting less coverage means you may pay more out of pocket if you need to file a claim.

In Vallejo, different companies offer cheapest rates for drivers with infractions on their records when seeking full coverage insurance.

• Speeding ticket: National General ($1,249 per year)
• At-fault accident: Capital Insurance Group ($1,653 per year)
• DUI: National General ($1,249 per year)

The most expensive rates for these offenses come from Hartford after a DUI at $\5,702 per year, indicating how significantly a driver's rates can increase post-infraction.

In Vallejo, as well as other cities, insurance rates escalate with the severity of your driving record due to the increased risk you pose to insurers. For instance, drivers with a speeding ticket in Vallejo may face an annual premium of approximately $2,186, while those with a DUI offense can expect a rate near $3,719.

Drivers with offenses should compare insurance rates because doing so can lead to substantial savings and mitigate the financial impact of their driving infractions.

GEICO offers the most affordable car insurance for male and female teens in Vallejo.

• GEICO: $2,907 per year for female teens and $3,065 per year for male teens
• Farmers: $2,945 per year for female and male teens

These rates reflect the cost of adding a teen to a policy combined with two parents. Compared to Nationwide, with the highest rates at $5,337 for female teens, choosing GEICO could save families in Vallejo up to $2,430 annually. This demonstrates the importance of comparing insurance providers, especially when adding high-risk drivers like teenagers to a policy.

In Vallejo, the cost of teen car insurance is significantly more affordable when they are included in a family plan compared with purchasing an independent policy. On average, an individual teen policy runs at approximately $4,363 annually, while being added to a family plan averages about $3,646 — a substantial difference of $717.

These higher rates for individual policies reflect the greater risk insurers attribute to inexperienced teen drivers. Additionally, due to this perceived risk, it's often challenging for teens to secure an individual policy without a co-signer or evidence of financial responsibility.

Progressive is the cheapest option in Vallejo for service members seeking the cheapest car insurance for military backgrounds.

• Progressive: $1,156 per year
• GEICO: $1,164 per year

USAA ranks third with an annual premium of $1,236. It's not the least expensive option, but it is competitive and notable for its dedication to serving the unique needs of active duty military members.

in Vallejo, comparing car insurance rates is a key strategy for cost savings. However, the process is often cumbersome, potentially requiring over an hour to examine rates from three or more companies.

MoneyGeek's car insurance calculator can help you streamline this process. By inputting details like age, driving history, credit score and preferred coverage, you can instantly receive rate estimates.

Choosing the right auto insurance depends on your priorities in service quality, costs, coverage and other factors. MoneyGeek has used different scoring systems to evaluate Vallejo's finest insurers for varying customer needs, revealing:

• Best overall: Capital Insurance Group (MoneyGeek score 83 out of 100)
• Best for service: Chubb (MoneyGeek score 94 out of 100)
• Best cheap: Mercury (MoneyGeek score 79 out of 100)

With diverse winners across categories, each company shines in its own right. Capital Insurance Group offers a balance of quality and affordability, making it the best overall choice. Chubb, with the highest service rating, is ideal for those prioritizing premier customer experience. Lastly, Mercury, scoring well in affordability, is tailored for budget-conscious drivers who still value good service.

Capital Insurance Group has the best option in Vallejo for drivers seeking the best car insurance.

• Capital Insurance Group: MoneyGeek score of 83 out of 100 ($1,400 per year)
• Chubb: MoneyGeek score of 81 out of 100 ($1,864 per year)

Capital Insurance Group stands out with its high satisfaction score and impressive affordability rating, making it a top choice for full coverage car insurance policies.

Chubb is the best option in Vallejo for outstanding customer service in car insurance. This acknowledgment is based on overall client satisfaction, efficient claims handling and comprehensive coverage options, not considering the cost of premiums.

• Chubb: MoneyGeek score of 94 out of 100 ($1,864 per year)
• Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,400 per year)

Chubb’s clients are likely to experience superior service during critical times, which is a major factor contributing to their top ranking in customer satisfaction.

Mercury is the best option for affordable car insurance in Vallejo, providing an optimal balance of cost and service quality.

• Mercury: MoneyGeek score of 79 out of 100 ($442 per year)
• Capital Insurance Group: MoneyGeek score of 76 out of 100 ($572 per year)

Mercury stands out for its outstanding affordability without compromising on claims handling and customer satisfaction, making it a leading choice for drivers seeking a minimum coverage policy.

In Vallejo, California, the average car insurance cost is $1,562 per month. This figure positions Vallejo slightly under California's average car insurance cost of $1,562, indicating parity between the city and state rates. However, the state's typical car insurance expenditure stands at $219 less than the national average cost of car insurance, which is $1,781.

Car insurance premiums are calculated based on myriad factors, including but not limited to the driver's age, driving history and the type of vehicle insured. Location is important in determining insurance costs. Factors such as accident rates, vehicle theft frequencies and urban versus rural traffic conditions can influence the premiums within different locales.

Santa Maria holds the distinction of having the cheapest car insurance premium at $1,106 while Glendale bears the most expensive premium at $2,115 in California, a striking difference of $1,009. This demonstrates that location is a crucial element. Regions with decreased traffic density, such as non-metropolitan areas, may enjoy even lower rates.