Car insurance in Sausalito for an adult with a clean driving record and good insurance score costs $2,090 a year for a full coverage policy, according to CarInsurance.com data.

But that’s just an average. Insurance companies look at drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.

Where you live is also a big factor. Car insurance rates can vary greatly from city to city and even from ZIP code to ZIP code within a city.

More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors.

Some ZIP codes have much more auto theft than other areas. Insurers will thus charge higher premiums in those zip codes because the risk of loss is much higher. Other ZIP codes have a lot more car wrecks and the insurance company will charge higher premiums to cover the risk,” says James Brau, professor of finance at Brigham Young University. “Imagine a densely-crowded ZIP code where a lot of folks are driving versus a code out in a rural area where you hardly ever see another car. The odds of more wrecks and thefts are higher where there are a ton of vehicles — it becomes a statistics exercise.

Knowing where you live and what you’re likely to pay can be a big help when shopping for auto insurance.

That’s why our experts have created this comprehensive guide to help you make intelligent decisions about car insurance. The guide provides the average car insurance rates in Sausalito by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Sausalito.

Key Highlights
  • Car insurance in Sausalito is almost same as car insurance in California for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Sausalito is $2,090 per year or $174 per month.
  • In Sausalito, Progressive offers the cheapest full coverage car insurance at $122 per month.
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Written by:
Katrina Raenell
Contributing Researcher
Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.
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Reviewed by:
Laura Longero
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Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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What is the average cost of car insurance in Sausalito, CA?

The average auto insurance rates in Sausalito, CA at various coverage levels are listed below:

  • State minimum: $568 per year
  • Liability-only coverage (50/100/50): $820 per year
  • Full coverage (100/300/100): $2,090 per year

The cost of car insurance can vary significantly depending on the coverage level you choose. The three most-talked-about coverage levels are:

State minimum car insurance, which is the minimum liability coverage your state requires; liability car insurance coverage, which pays for the medical bills of anyone you injure with your car and pays to repair or replace any cars or property you hit; and full coverage car insurance, which includes collision and comprehensive insurance that pays for damage to your car.

Average annual rates by company for different coverage levels

CompanyState MinimumLiability OnlyFull Coverage
Progressive$415$591$1,463
Geico$357$556$1,483
USAA$407$574$1,567
Mercury Insurance$512$788$1,732
Nationwide$664$1,017$2,112
Travelers$560$834$2,112
Allstate$659$865$2,148
State Farm$539$828$2,202
Kemper Insurance$475$742$2,216
Auto-Owners$762$1,112$2,262
CSAA Insurance (AAA)$452$591$2,286
Auto Club Enterprises (AAA)$568$764$2,326
The Hartford$627$837$2,593
Farmers$955$1,384$2,760

Note:

  • State Minimum: State minimum liability only
  • Liability Only: 50/100/50 liability only
  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

What are the cheapest car insurance companies in Sausalito, CA?

Out of all the carriers available in Sausalito, Progressive offers the cheapest full coverage car insurance at $122 per month.

The second-cheapest car insurance company in Sausalito is Geico, offering car insurance at $124 monthly.

Cheapest CompanyFull Coverage Monthly Rates
Progressive$122
Geico$124
USAA$131
Mercury Insurance$144
Nationwide$176
Travelers$176
Allstate$179
State Farm$184
Kemper Insurance$185
Auto-Owners$189
CSAA Insurance (AAA)$191
Auto Club Enterprises (AAA)$194
The Hartford$216
Farmers$230

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Comparing quotes from multiple insurers can help you save money on your car insurance premiums.

Which companies offer the cheapest rates for high-risk drivers in Sausalito, CA?

Car insurance is more expensive for high-risk drivers. A high-risk driver in California is considered as such because they have:

  • Multiple speeding tickets or other traffic infractions in the last three- to five-year period.
  • An injury or a high-cost accident in the last three- to five-year period
  • A DUI conviction
  • A teen/inexperienced driver on their policy
  • A high-performance sports car
  • A poor credit score (a few states — California, Hawaii, Maryland, Massachusetts and Michigan — prohibit insurance companies from using credit to set rates)
  • A recent lapse in car insurance

Cheapest rates for drivers with two speeding tickets in Sausalito, CA

See the average annual premium for drivers with two speeding tickets on their records in Sausalito, CA in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
Mercury$241
USAA$250
Progressive$251
Geico$295
Travelers$336
Auto-Owners$342
Auto Club Enterprises$350
Nationwide$371
Kemper$397
Farmers$417
CSAA$441
State Farm$444
Hartford$457
Allstate$458

Note:

  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Insurance rates after receiving 2 speeding tickets for speeds 11 mph or over.

Cheapest rates for drivers with a DUI conviction in Sausalito, CA

See the average annual premium for a driver convicted of DUI in Sausalito, CA in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
Mercury$238
Progressive$291
Geico$309
Auto-Owners$342
Travelers$368
USAA$372
Kemper$397
Farmers$405
Nationwide$490
Auto Club Enterprises$566
State Farm$646
CSAA$686
Allstate$710
Hartford$868

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Companies with the cheapest insurance by driver profile in Sausalito, CA

Personal factors can affect how much you pay for car insurance in states that allow it. Insurance companies do use a driver’s age as a rating factor as more driving experience leads to lower rates – and vice versa. However, not all states allow gender and credit score to be used when setting car insurance rates.

Cheapest rates for drivers in Sausalito, CA, by age

Age is a key factor when considering car insurance rates in most cities, including Sausalito – it’s one of several key factors taken into account by insurers to determine premiums.

Teens (age 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.

Drivers in their 40s, 50s and 60s pay less for their car insurance premiums when compared to teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute.

AgeCheapest CompanyFull Coverage Monthly Rates
16Allstate$452
16Auto Club Enterprises (AAA)$600
16Auto-Owners$393
16Geico$325
16CSAA Insurance (AAA)$854
16Farmers$557
16The Hartford$578
16Kemper Insurance$683
16Mercury Insurance$425
16Nationwide$782
16Progressive$387
16State Farm$394
16Travelers$397
16USAA$357
17Allstate$452
17Auto Club Enterprises (AAA)$593
17Auto-Owners$393
17Geico$320
17CSAA Insurance (AAA)$650
17Farmers$547
17The Hartford$534
17Kemper Insurance$606
17Mercury Insurance$377
17Nationwide$649
17Progressive$388
17State Farm$354
17Travelers$375
17USAA$322
18Allstate$431
18Auto Club Enterprises (AAA)$537
18Auto-Owners$393
18Geico$314
18CSAA Insurance (AAA)$610
18Farmers$533
18The Hartford$505
18Kemper Insurance$549
18Mercury Insurance$359
18Nationwide$573
18Progressive$384
18State Farm$336
18Travelers$358
18USAA$301
19Allstate$298
19Auto Club Enterprises (AAA)$430
19Auto-Owners$286
19Geico$221
19CSAA Insurance (AAA)$425
19Farmers$413
19The Hartford$334
19Kemper Insurance$401
19Mercury Insurance$273
19Nationwide$423
19Progressive$303
19State Farm$265
19Travelers$284
19USAA$230
20Allstate$274
20Auto Club Enterprises (AAA)$364
20Auto-Owners$286
20Geico$217
20CSAA Insurance (AAA)$368
20Farmers$392
20The Hartford$322
20Kemper Insurance$368
20Mercury Insurance$273
20Nationwide$403
20Progressive$282
20State Farm$256
20Travelers$270
20USAA$223
21Allstate$236
21Auto Club Enterprises (AAA)$313
21Auto-Owners$315
21Geico$156
21CSAA Insurance (AAA)$325
21Farmers$359
21The Hartford$310
21Kemper Insurance$344
21Mercury Insurance$253
21Nationwide$312
21Progressive$211
21State Farm$244
21Travelers$245
21USAA$184
22Allstate$231
22Auto Club Enterprises (AAA)$304
22Auto-Owners$251
22Geico$152
22CSAA Insurance (AAA)$284
22Farmers$312
22The Hartford$303
22Kemper Insurance$327
22Mercury Insurance$253
22Nationwide$287
22Progressive$193
22State Farm$240
22Travelers$235
22USAA$176
23Allstate$216
23Auto Club Enterprises (AAA)$298
23Auto-Owners$251
23Geico$149
23CSAA Insurance (AAA)$255
23Farmers$312
23The Hartford$292
23Kemper Insurance$305
23Mercury Insurance$253
23Nationwide$272
23Progressive$175
23State Farm$229
23Travelers$229
23USAA$169
24Allstate$210
24Auto Club Enterprises (AAA)$295
24Auto-Owners$251
24Geico$145
24CSAA Insurance (AAA)$238
24Farmers$312
24The Hartford$280
24Kemper Insurance$282
24Mercury Insurance$185
24Nationwide$253
24Progressive$159
24State Farm$224
24Travelers$219
24USAA$160
25Allstate$202
25Auto Club Enterprises (AAA)$255
25Auto-Owners$213
25Geico$142
25CSAA Insurance (AAA)$213
25Farmers$267
25The Hartford$273
25Kemper Insurance$268
25Mercury Insurance$185
25Nationwide$231
25Progressive$147
25State Farm$216
25Travelers$211
25USAA$154
30Allstate$187
30Auto Club Enterprises (AAA)$207
30Auto-Owners$196
30Geico$127
30CSAA Insurance (AAA)$192
30Farmers$242
30The Hartford$248
30Kemper Insurance$209
30Mercury Insurance$149
30Nationwide$190
30Progressive$127
30State Farm$195
30Travelers$186
30USAA$137
35Allstate$182
35Auto Club Enterprises (AAA)$201
35Auto-Owners$196
35Geico$125
35CSAA Insurance (AAA)$192
35Farmers$230
35The Hartford$223
35Kemper Insurance$190
35Mercury Insurance$149
35Nationwide$182
35Progressive$125
35State Farm$187
35Travelers$180
35USAA$132
40Allstate$179
40Auto Club Enterprises (AAA)$194
40Auto-Owners$189
40Geico$124
40CSAA Insurance (AAA)$191
40Farmers$230
40The Hartford$216
40Kemper Insurance$185
40Mercury Insurance$144
40Nationwide$176
40Progressive$122
40State Farm$184
40Travelers$176
40USAA$131
45Allstate$169
45Auto Club Enterprises (AAA)$194
45Auto-Owners$189
45Geico$122
45CSAA Insurance (AAA)$191
45Farmers$233
45The Hartford$204
45Kemper Insurance$188
45Mercury Insurance$144
45Nationwide$168
45Progressive$116
45State Farm$180
45Travelers$174
45USAA$130
50Allstate$169
50Auto Club Enterprises (AAA)$192
50Auto-Owners$180
50Geico$121
50CSAA Insurance (AAA)$185
50Farmers$233
50The Hartford$204
50Kemper Insurance$198
50Mercury Insurance$136
50Nationwide$162
50Progressive$113
50State Farm$176
50Travelers$170
50USAA$130
55Allstate$165
55Auto Club Enterprises (AAA)$192
55Auto-Owners$180
55Geico$120
55CSAA Insurance (AAA)$185
55Farmers$225
55The Hartford$194
55Kemper Insurance$207
55Mercury Insurance$136
55Nationwide$161
55Progressive$113
55State Farm$168
55Travelers$164
55USAA$126
60Allstate$164
60Auto Club Enterprises (AAA)$182
60Auto-Owners$177
60Geico$119
60CSAA Insurance (AAA)$172
60Farmers$222
60The Hartford$190
60Kemper Insurance$219
60Mercury Insurance$138
60Nationwide$160
60Progressive$114
60State Farm$161
60Travelers$162
60USAA$126
65Allstate$163
65Auto Club Enterprises (AAA)$185
65Auto-Owners$177
65Geico$119
65CSAA Insurance (AAA)$186
65Farmers$223
65The Hartford$187
65Kemper Insurance$234
65Mercury Insurance$138
65Nationwide$161
65Progressive$120
65State Farm$144
65Travelers$166
65USAA$129
70Allstate$171
70Auto Club Enterprises (AAA)$201
70Auto-Owners$202
70Geico$124
70CSAA Insurance (AAA)$192
70Farmers$234
70The Hartford$187
70Kemper Insurance$259
70Mercury Insurance$154
70Nationwide$167
70Progressive$144
70State Farm$149
70Travelers$176
70USAA$135
75Allstate$171
75Auto Club Enterprises (AAA)$224
75Auto-Owners$202
75Geico$133
75CSAA Insurance (AAA)$209
75Farmers$237
75The Hartford$191
75Kemper Insurance$259
75Mercury Insurance$169
75Nationwide$187
75Progressive$146
75State Farm$162
75Travelers$192
75USAA$148

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Cheapest rates for drivers in Sausalito, CA, with poor credit

Except in states that don’t allow it – California, Hawaii, Massachusetts, Washington and Michigan – drivers who have poor credit will pay higher rates for car insurance because they’re viewed as riskier by auto insurers.

Final thoughts: Car insurance cost in Sausalito, CA

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in Sausalito, CA. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.

Resources & Methodology

Sources:

  1. Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
  2. Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed August 2023.

Methodology:

CarInsurance.com, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in Sausalito, California.

The rates were derived from a sample profile of a 40-year-old male driving a Honda Accord LX, with no history of violations and a good insurance score. This sample profile opted for full coverage policies with limits of up to 100/300/100 and a $500 comprehensive and collision deductible.

The data was collected across approximately 34,523 ZIP codes, resulting in a total of 56,838,240 quotes obtained from 41 companies.

Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.

John McCormick

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John McCormick

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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

Executive Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Contributing Researcher

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.