For a 40-year-old driver with a clean record, car insurance across all 11 ZIP codes we price in Solano County, including Vallejo and Fairfield, averages about $291 a month ($3,497 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 12% below the California average of $332 a month. GEICO has the lowest full-coverage average of the five major insurers we compared (Allstate, CSAA, Farmers, GEICO and State Farm), at about $182 a month.
Vallejo, at about $313 a month, is the most expensive of the seven Solano County cities and towns we price, and Fairfield, the county seat, averages about $290. Benicia costs the least of the seven, at $274, and Vacaville averages $276.
Across the 11 ZIP codes, full coverage runs from about $272 a month in 95688, in Vacaville, to $324 in 94590, in Vallejo.
Cost data comes from the auto rates insurers file with state regulators, priced across all 11 Solano County ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Vallejo–Fairfield, CA?
Full coverage in Vallejo–Fairfield averages $3,497 a year, or about $291 a month, for our benchmark driver. Liability-only coverage at 15/30/5 limits averages $1,217 a year ($101 a month), and 50/100/50 liability with comprehensive and collision averages $3,282 ($274 a month).
- Full coverage (100/300/100, $500 deductibles): $3,497 a year ($291 a month)
- 50/100/50 with $500 deductibles: $3,282 a year ($274 a month)
- Liability only (15/30/5): $1,217 a year ($101 a month)
- Vallejo: $3,757 a year ($313 a month) for full coverage
- Fairfield: $3,485 a year ($290 a month) for full coverage
- California average: $3,979 a year ($332 a month) for full coverage
- ZIP code range: $272 (95688) to $324 (94590) a month for full coverage
Cheap Car Insurance in Vallejo–Fairfield: Companies Compared
- Lowest average in our data, full coverage: GEICO, at about $182 a month ($2,185 a year).
- Next lowest among the five major insurers we compared: CSAA (AAA Northern California), at about $195 a month, then State Farm at $308.
- Lowest liability-only average in our data (15/30/5): CSAA, at about $42 a month, then GEICO at $46.
- Also on our list: USAA at about $199 a month, Mercury at $228, Progressive at $234, Travelers at $311 and Nationwide at $323 (USAA sells only to military families).
- Most expensive in our data: Farmers and Allstate, effectively tied at about $386 a month each.
GEICO has the lowest full-coverage average among the five insurers in our Vallejo–Fairfield rate data. Statewide, five of the eight published 2026 California rate studies we reviewed rank GEICO cheapest for full coverage, apart from USAA, which sells only to military families, and a sixth ties GEICO with Progressive. For liability-only coverage at 15/30/5 limits, CSAA has the lowest average among these five insurers, at about $42 a month, with GEICO close behind at $46.
Full-coverage averages by insurer in Vallejo–Fairfield
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/5 (Yearly): | Liability Only 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $554 | $46 | $2,185 | $182 |
| CSAA (AAA Northern California) | $507 | $42 | $2,344 | $195 |
| State Farm | $1,472 | $123 | $3,692 | $308 |
| Allstate | $1,876 | $156 | $4,630 | $386 |
| Farmers | $1,674 | $140 | $4,635 | $386 |
| USAA (military families)* | $912 | $76 | $2,389 | $199 |
| Mercury Insurance* | $1,113 | $93 | $2,738 | $228 |
| Progressive* | $993 | $83 | $2,804 | $234 |
| Travelers* | $1,615 | $135 | $3,730 | $311 |
| Nationwide* | $1,506 | $126 | $3,870 | $323 |
| Vallejo–Fairfield average | $1,217 | $101 | $3,497 | $291 |
This table uses Solano County ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Vallejo–Fairfield Car Insurance Rates by ZIP Code
Across the 11 Solano County ZIP codes we price, full coverage for our driver ranges from about $272 a month in 95688 to $324 in 94590, a gap of $616 a year. Vallejo’s three ZIP codes are the most expensive in the county, from about $304 to $324 a month, and Vacaville’s 95688 and Benicia’s 94510 the least expensive.
Lowest-priced Solano County ZIP codes
Highest-priced Solano County ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below the Solano County average.
| ZIP Code: | Liability Only 15/30/5 (Yearly): | Liability Only 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. Solano County Average: |
|---|---|---|---|---|---|
| 94510 (Benicia) | $1,176 | $98 | $3,286 | $274 | -6% |
| 94533 (Fairfield) | $1,233 | $103 | $3,519 | $293 | +1% |
| 94534 (Fairfield) | $1,189 | $99 | $3,451 | $288 | -1% |
| 94571 (Rio Vista) | $1,182 | $99 | $3,371 | $281 | -3% |
| 94585 (Suisun City) | $1,237 | $103 | $3,575 | $298 | +2% |
| 94589 (Vallejo) | $1,269 | $106 | $3,736 | $311 | +7% |
| 94590 (Vallejo) | $1,278 | $107 | $3,883 | $324 | +11% |
| 94591 (Vallejo) | $1,259 | $105 | $3,651 | $304 | +4% |
| 95620 (Dixon) | $1,141 | $95 | $3,374 | $281 | -3% |
| 95687 (Vacaville) | $1,238 | $103 | $3,357 | $280 | -4% |
| 95688 (Vacaville) | $1,181 | $98 | $3,267 | $272 | -7% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Vallejo–Fairfield?
Raising liability limits from 50/100/50 to 100/300/100 adds about $215 a year on average in our Vallejo–Fairfield data, with the same $500 deductibles. That’s about $18 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Is Car Insurance Going Up in Vallejo–Fairfield?
For our benchmark driver, full coverage isn’t going up. Comparing the four insurers that are in both sets of rates, in the same Solano County ZIP codes, their full-coverage average fell from $3,348 a year nine months earlier to $3,213 in rates as of Aug. 31, 2026, a 4.0% drop. State Farm cut its Solano County average 12.8%, while Allstate’s, CSAA’s and GEICO’s averages were unchanged. Farmers is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Vallejo–Fairfield average above. Liability-only coverage at 15/30/5 limits rose 7.2%, led by State Farm, which raised its liability-only average 25.4%.
Where Car Insurance Costs Most in Solano County
Solano County averages about $291 a month for full coverage, the 17th-most expensive of the 55 California counties we price. Vallejo, on San Pablo Bay at the county’s southwest corner, costs about $23 a month more than Fairfield; Suisun City, next to Fairfield, averages $298, and Dixon and Rio Vista $281 each.
Travis Air Force Base is just east of Fairfield, and military families there can also check USAA, which sells only to them. California insurers price by location as well as by driver and car, so your ZIP code can move your price.
How Vallejo–Fairfield Car Insurance Compares With Other California Cities
More California cities and towns are in the California rates by city table, and you can compare states on our car insurance rates by state page.
Napa, about 13 miles north of Vallejo, averages $280 a month, and San Francisco, about 25 miles south, $350. Santa Rosa, about 35 miles northwest, averages $284, and Sacramento, about 37 miles northeast of Fairfield, $338.
What Car Insurance Is Required in Vallejo–Fairfield?
Drivers in Solano County follow California’s rules. The minimum rose for policies issued or renewed on or after Jan. 1, 2025, and every policy must now carry at least:
- Bodily injury liability of $30,000 per person and $60,000 per crash
- Property damage liability of $15,000 per crash
Our California requirements guide covers uninsured motorist coverage, proof of insurance and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Vallejo–Fairfield
- Compare GEICO and CSAA first. They have the two lowest full-coverage averages in our Solano County data, about $182 and $195 a month.
- Quote several insurers. In our Solano County data, the lowest and highest insurer averages are about $204 a month apart for the same driver and car.
- Check that you get the Good Driver discount. If you’ve been licensed for at least three years in a row and have no more than one point on your record, California law requires your rate to be at least 20% lower than a non-Good Driver’s, according to the California Department of Insurance.
- Compare at every renewal. Over the past nine months, State Farm has cut its Solano County average 12.8%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
- Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in California, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.
Ready to compare
How We Calculated Vallejo–Fairfield Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 55 full-coverage premiums from five insurers across 11 ZIP codes in Solano County, plus the same number of liability-only and 50/100/50 premiums.
- Area: this page covers all 11 ZIP codes we price in Solano County, with mailing addresses in Vallejo, Fairfield, Benicia, Dixon, Rio Vista, Suisun City and Vacaville.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 15/30/5 limits, with 15/30 uninsured motorist coverage and no comprehensive or collision. California’s minimum has been 30/60/15 since Jan. 1, 2025, so our liability-only prices use lower limits than the law requires.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Farmers is new in our rates since November 2025, so it’s left out of rate-change comparisons; the other four insurers, Allstate, CSAA, GEICO and State Farm, are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 California rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from California law and the California Department of Insurance. We refresh these figures when new rate data is released.
Vallejo–Fairfield Car Insurance FAQ
For our benchmark driver, full coverage in Vallejo–Fairfield averages about $291 a month ($3,497 a year) and liability-only coverage at 15/30/5 limits about $101 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 12% below the California average of $332 a month.
GEICO has the lowest full-coverage average in our Vallejo–Fairfield rate data, at about $182 a month, with CSAA close behind at $195. For liability-only coverage at 15/30/5 limits, CSAA has the lowest average in our Vallejo–Fairfield data, at about $42 a month. Statewide, five of the eight published 2026 California rate studies we reviewed rank GEICO cheapest for full coverage, apart from USAA, and a sixth ties GEICO with Progressive. Rates vary by driver, so compare quotes for your own car and ZIP code.
Fairfield, for our benchmark driver. Vallejo full coverage averages about $313 a month and Fairfield about $290, a difference of about $23 a month for the same driver and car.
In our data, 95688, in Vacaville, has the lowest full-coverage average in Solano County, at about $272 a month, and 94590, in Vallejo, the highest, at about $324. The ZIP code table on this page lists all 11 with the town for each.
In our Vallejo–Fairfield data, full coverage (100/300/100 with $500 deductibles) averages about $291 a month and liability-only coverage at 15/30/5 limits, below California’s 30/60/15 minimum, about $101, a difference of about $190 a month ($2,280 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. California law doesn’t require full coverage, but a lender or leasing company may.
Not for full coverage, for our benchmark driver. Comparing the four insurers in both sets of rates (Farmers is new over the past nine months), their Vallejo–Fairfield full-coverage average fell 4.0%, from about $3,348 to $3,213 a year. That’s lower than the Vallejo–Fairfield average of $3,497 because it leaves out Farmers. State Farm cut its Vallejo–Fairfield average 12.8%. Liability-only coverage at 15/30/5 limits rose 7.2%.
For our benchmark driver, full coverage in Vallejo–Fairfield averages about $291 a month. Nearby, Napa averages about $280, San Francisco about $350 and Santa Rosa–Petaluma about $276. Napa and Santa Rosa–Petaluma are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
