Car insurance in Vallejo for an adult with a clean driving record and good insurance score costs $2,206 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 Vallejo by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Vallejo.

Key Highlights
  • Car insurance in Vallejo is more expensive than car insurance in California for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Vallejo is $2,206 per year or $184 per month.
  • In Vallejo, USAA offers the cheapest full coverage car insurance at $132 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 is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

What is the average cost of car insurance in Vallejo, CA?

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

  • State minimum: $583 per year
  • Liability-only coverage (50/100/50): $848 per year
  • Full coverage (100/300/100): $2,206 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
USAA$394$565$1,578
Progressive$456$654$1,608
Geico$355$562$1,641
Mercury Insurance$510$763$1,792
Travelers$501$749$2,088
Auto Club Enterprises (AAA)$711$952$2,163
Allstate$681$887$2,224
Auto-Owners$726$1,068$2,242
CSAA Insurance (AAA)$455$625$2,372
State Farm$610$915$2,550
Nationwide$750$1,159$2,594
Farmers$849$1,257$2,606
Kemper Insurance$508$811$2,669
The Hartford$657$902$2,765

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 Vallejo, CA?

Out of all the carriers available in Vallejo, USAA offers the cheapest full coverage car insurance at $132 per month.

The second-cheapest car insurance company in Vallejo is Progressive, offering car insurance at $134 monthly.

Cheapest CompanyFull Coverage Monthly Rates
USAA$132
Progressive$134
Geico$137
Mercury Insurance$149
Travelers$174
Auto Club Enterprises (AAA)$180
Allstate$185
Auto-Owners$187
CSAA Insurance (AAA)$198
State Farm$212
Nationwide$216
Farmers$217
Kemper Insurance$222
The Hartford$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 Vallejo, 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 Vallejo, CA

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

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
Progressive$256
USAA$257
Mercury$265
Geico$322
Auto-Owners$330
Auto Club Enterprises$336
Travelers$341
Farmers$382
Nationwide$446
Kemper$452
CSAA$455
Allstate$476
Hartford$485
State Farm$540

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 Vallejo, CA

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

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
Mercury$261
Progressive$297
Auto-Owners$330
Geico$339
Farmers$370
Travelers$373
USAA$383
Kemper$452
Auto Club Enterprises$555
Nationwide$589
CSAA$708
Allstate$738
State Farm$783
Hartford$915

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

Companies with the cheapest insurance by driver profile in Vallejo, 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 Vallejo, CA, by age

Age is a key factor when considering car insurance rates in most cities, including Vallejo – 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$468
16Auto Club Enterprises (AAA)$561
16Auto-Owners$389
16Geico$356
16CSAA Insurance (AAA)$877
16Farmers$523
16The Hartford$621
16Kemper Insurance$819
16Mercury Insurance$440
16Nationwide$966
16Progressive$424
16State Farm$457
16Travelers$389
16USAA$359
17Allstate$468
17Auto Club Enterprises (AAA)$555
17Auto-Owners$389
17Geico$351
17CSAA Insurance (AAA)$668
17Farmers$514
17The Hartford$573
17Kemper Insurance$726
17Mercury Insurance$391
17Nationwide$803
17Progressive$425
17State Farm$410
17Travelers$368
17USAA$325
18Allstate$445
18Auto Club Enterprises (AAA)$499
18Auto-Owners$389
18Geico$345
18CSAA Insurance (AAA)$629
18Farmers$500
18The Hartford$541
18Kemper Insurance$659
18Mercury Insurance$373
18Nationwide$704
18Progressive$422
18State Farm$389
18Travelers$351
18USAA$303
19Allstate$309
19Auto Club Enterprises (AAA)$396
19Auto-Owners$283
19Geico$243
19CSAA Insurance (AAA)$440
19Farmers$388
19The Hartford$358
19Kemper Insurance$481
19Mercury Insurance$284
19Nationwide$523
19Progressive$333
19State Farm$307
19Travelers$279
19USAA$232
20Allstate$284
20Auto Club Enterprises (AAA)$334
20Auto-Owners$283
20Geico$239
20CSAA Insurance (AAA)$381
20Farmers$367
20The Hartford$344
20Kemper Insurance$443
20Mercury Insurance$284
20Nationwide$499
20Progressive$309
20State Farm$297
20Travelers$266
20USAA$224
21Allstate$244
21Auto Club Enterprises (AAA)$288
21Auto-Owners$312
21Geico$172
21CSAA Insurance (AAA)$338
21Farmers$336
21The Hartford$331
21Kemper Insurance$414
21Mercury Insurance$264
21Nationwide$386
21Progressive$232
21State Farm$283
21Travelers$241
21USAA$184
22Allstate$240
22Auto Club Enterprises (AAA)$279
22Auto-Owners$249
22Geico$168
22CSAA Insurance (AAA)$295
22Farmers$293
22The Hartford$324
22Kemper Insurance$393
22Mercury Insurance$264
22Nationwide$356
22Progressive$212
22State Farm$278
22Travelers$231
22USAA$177
23Allstate$223
23Auto Club Enterprises (AAA)$273
23Auto-Owners$249
23Geico$164
23CSAA Insurance (AAA)$265
23Farmers$293
23The Hartford$313
23Kemper Insurance$367
23Mercury Insurance$264
23Nationwide$336
23Progressive$193
23State Farm$265
23Travelers$226
23USAA$169
24Allstate$217
24Auto Club Enterprises (AAA)$270
24Auto-Owners$249
24Geico$160
24CSAA Insurance (AAA)$248
24Farmers$293
24The Hartford$299
24Kemper Insurance$339
24Mercury Insurance$192
24Nationwide$314
24Progressive$175
24State Farm$260
24Travelers$216
24USAA$161
25Allstate$209
25Auto Club Enterprises (AAA)$235
25Auto-Owners$210
25Geico$157
25CSAA Insurance (AAA)$223
25Farmers$251
25The Hartford$292
25Kemper Insurance$323
25Mercury Insurance$192
25Nationwide$285
25Progressive$161
25State Farm$251
25Travelers$209
25USAA$155
30Allstate$193
30Auto Club Enterprises (AAA)$191
30Auto-Owners$193
30Geico$141
30CSAA Insurance (AAA)$199
30Farmers$228
30The Hartford$265
30Kemper Insurance$251
30Mercury Insurance$154
30Nationwide$234
30Progressive$140
30State Farm$226
30Travelers$184
30USAA$138
35Allstate$189
35Auto Club Enterprises (AAA)$186
35Auto-Owners$193
35Geico$139
35CSAA Insurance (AAA)$199
35Farmers$217
35The Hartford$238
35Kemper Insurance$228
35Mercury Insurance$154
35Nationwide$224
35Progressive$137
35State Farm$217
35Travelers$178
35USAA$133
40Allstate$185
40Auto Club Enterprises (AAA)$180
40Auto-Owners$187
40Geico$137
40CSAA Insurance (AAA)$198
40Farmers$217
40The Hartford$230
40Kemper Insurance$222
40Mercury Insurance$149
40Nationwide$216
40Progressive$134
40State Farm$212
40Travelers$174
40USAA$132
45Allstate$175
45Auto Club Enterprises (AAA)$180
45Auto-Owners$187
45Geico$135
45CSAA Insurance (AAA)$198
45Farmers$219
45The Hartford$217
45Kemper Insurance$226
45Mercury Insurance$149
45Nationwide$207
45Progressive$128
45State Farm$208
45Travelers$172
45USAA$131
50Allstate$175
50Auto Club Enterprises (AAA)$178
50Auto-Owners$178
50Geico$134
50CSAA Insurance (AAA)$192
50Farmers$220
50The Hartford$217
50Kemper Insurance$239
50Mercury Insurance$141
50Nationwide$198
50Progressive$125
50State Farm$203
50Travelers$167
50USAA$131
55Allstate$171
55Auto Club Enterprises (AAA)$178
55Auto-Owners$178
55Geico$132
55CSAA Insurance (AAA)$192
55Farmers$212
55The Hartford$206
55Kemper Insurance$250
55Mercury Insurance$141
55Nationwide$197
55Progressive$124
55State Farm$195
55Travelers$162
55USAA$127
60Allstate$170
60Auto Club Enterprises (AAA)$170
60Auto-Owners$175
60Geico$131
60CSAA Insurance (AAA)$179
60Farmers$209
60The Hartford$202
60Kemper Insurance$265
60Mercury Insurance$142
60Nationwide$195
60Progressive$125
60State Farm$186
60Travelers$160
60USAA$127
65Allstate$169
65Auto Club Enterprises (AAA)$173
65Auto-Owners$175
65Geico$131
65CSAA Insurance (AAA)$192
65Farmers$209
65The Hartford$199
65Kemper Insurance$284
65Mercury Insurance$142
65Nationwide$197
65Progressive$132
65State Farm$167
65Travelers$163
65USAA$130
70Allstate$177
70Auto Club Enterprises (AAA)$190
70Auto-Owners$200
70Geico$137
70CSAA Insurance (AAA)$198
70Farmers$220
70The Hartford$199
70Kemper Insurance$312
70Mercury Insurance$158
70Nationwide$205
70Progressive$159
70State Farm$172
70Travelers$172
70USAA$136
75Allstate$177
75Auto Club Enterprises (AAA)$213
75Auto-Owners$200
75Geico$146
75CSAA Insurance (AAA)$214
75Farmers$223
75The Hartford$203
75Kemper Insurance$312
75Mercury Insurance$172
75Nationwide$228
75Progressive$160
75State Farm$188
75Travelers$187
75USAA$149

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

Cheapest rates for drivers in Vallejo, 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 Vallejo, 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 Vallejo, 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 Vallejo, 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 is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

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

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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.