Buy Cheap Napa, CA Auto Insurance (2021)

Napa, CA auto insurance rates average $291 a month. Minimum auto insurance requirements in Napa, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Napa, CA, compare Napa auto insurance quotes from top companies.

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    Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the ...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Napa after a DUI is Allstate
  • Average auto insurance rates in Napa, CA after a DUI are $4,887/year
  • Average auto insurance rates in Napa, CA for teens drivers are $5,873/year

Finding affordable Napa, California auto insurance can be challenging, but everything you need to know to buy cheap Napa, CA auto insurance with confidence is right here. Auto insurance rates in Napa are affected by local factors as well as personal ones like your driving record.

See how Napa, CA car insurance rates compare to Bakersfield auto insurance rates, Oakland auto insurance rates, and Sacramento auto insurance rates before you read more about the cost of auto insurance in Napa.

Don’t buy Napa, CA auto insurance until you’ve compared rates. Get free Napa, California auto insurance quotes when you enter your ZIP code above.

Napa, CA Minimum Auto Insurance Requirements

The required auto insurance in Napa, CA is 15/30/5 according to the auto insurance laws in California. The minimum auto insurance in Napa, California is outlined here.

Minimum Required Auto Insurance Coverage in Napa, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Buy Cheap Napa, CA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Napa, California auto insurance rates? Find out how car insurance rates in Napa, CA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Napa, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,683 $2,685 $1,964 $1,982 $7,500 $9,440 $3,435 $3,774
Farmers $2,488 $2,488 $2,243 $2,243 $7,972 $13,107 $2,952 $3,290
GEICO $1,607 $1,608 $1,512 $1,512 $4,891 $4,975 $2,308 $2,359
Liberty Mutual $2,323 $2,202 $2,157 $2,091 $5,079 $5,397 $2,623 $2,642
Nationwide $2,964 $2,829 $2,598 $2,448 $7,571 $8,345 $3,549 $3,502
Progressive $1,768 $1,819 $1,511 $1,789 $4,758 $5,713 $2,548 $2,736
State Farm $3,172 $3,172 $2,835 $2,835 $5,846 $7,241 $3,514 $3,625
Travelers $2,404 $2,329 $2,128 $2,104 $4,948 $5,693 $3,133 $3,065
USAA $1,877 $1,780 $1,827 $1,837 $4,287 $4,320 $2,602 $2,461

Buy Cheap Napa, CA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Napa can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Napa, CA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Napa, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,500 $9,440
Farmers $7,972 $13,107
GEICO $4,891 $4,975
Liberty Mutual $5,079 $5,397
Nationwide $7,571 $8,345
Progressive $4,758 $5,713
State Farm $5,846 $7,241
Travelers $4,948 $5,693
USAA $4,287 $4,320

Buy Cheap Napa, CA Auto Insurance for Seniors

You can save on senior auto insurance rates in Napa, California by comparing Napa senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Napa, CA here.

Annual Auto Insurance Rates for Senior Drivers in Napa, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,964 $1,982
Farmers $2,243 $2,243
GEICO $1,512 $1,512
Liberty Mutual $2,157 $2,091
Nationwide $2,598 $2,448
Progressive $1,511 $1,789
State Farm $2,835 $2,835
Travelers $2,128 $2,104
USAA $1,827 $1,837

Find Cheap Auto Insurance Rates in Napa, CA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Napa, California auto insurance. Compare Napa, CA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Napa, California

Insurance Company Low Medium High
Allstate $3,972 $4,218 $4,358
Farmers $4,300 $4,632 $4,862
GEICO $2,374 $2,625 $2,790
Liberty Mutual $2,864 $3,091 $3,238
Nationwide $3,800 $4,304 $4,573
Progressive $2,515 $2,925 $3,050
State Farm $3,653 $4,097 $4,340
Travelers $2,845 $3,309 $3,522
USAA $2,389 $2,673 $2,809

Find Cheap Napa, CA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Napa. Compare auto insurance rates in Napa, CA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Napa, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,775 $4,591
Farmers $4,172 $5,024
GEICO $2,359 $2,834
Liberty Mutual $2,813 $3,315
Nationwide $3,733 $4,718
Progressive $2,564 $3,096
State Farm $3,885 $4,175
Travelers $2,901 $3,550
USAA $2,419 $2,829

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Find Cheap Napa, CA Auto Insurance Rates by ZIP Code

Auto insurance rates in Napa, California can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Napa, CA to see how much where you live in Napa affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Napa, California

ZIP Code Average Annual Rates
94558 $4,781
94559 $4,751

Find Cheap Napa, CA Auto Insurance Rates by Driving Record

Auto insurance rates in Napa, California are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Napa, CA, take a look at the average cost for various violations versus rates for a clean driving record in Napa.

Annual Napa, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,525 $4,243 $6,652 $3,312
Farmers $3,397 $4,628 $5,769 $4,598
GEICO $1,816 $2,802 $3,515 $2,252
Liberty Mutual $2,660 $3,564 $3,215 $2,818
Nationwide $2,951 $3,782 $6,388 $3,782
Progressive $1,852 $3,155 $3,641 $2,671
State Farm $2,876 $3,430 $6,476 $3,337
Travelers $2,159 $3,498 $4,080 $3,166
USAA $1,743 $2,597 $4,245 $1,910

Find Cheap Napa, CA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Napa, California is higher than for a clean driving record. You can buy auto insurance after a DUI in Napa for less when you shop around and compare rates from multiple Napa, CA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Napa, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,652
Farmers $5,769
GEICO $3,515
Liberty Mutual $3,215
Nationwide $6,388
Progressive $3,641
State Farm $6,476
Travelers $4,080
USAA $4,245

Winners by Category: Where to Buy Cheap Auto Insurance in Napa, CA

Compare rates from the cheapest auto insurance companies in Napa, CA for your needs. Take a look at how Napa, California auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Napa, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Find Cheap Napa, California Auto Insurance Companies

If you’re looking for the cheapest Napa, CA auto insurance companies overall, you can compare them here. Find the best price for Napa, California car insurance by company.

Average Annual Auto Insurance Rates by Company in Napa, California

Insurance Company Average Annual Rates
Allstate $4,183
Farmers $4,598
GEICO $2,596
Liberty Mutual $3,064
Nationwide $4,226
Progressive $2,830
State Farm $4,030
Travelers $3,226
USAA $2,624

What affects Napa, California auto insurance rates?

Local factors affect auto insurance rates in Napa, CA, including traffic, theft statistics, and commute length. Take a look at the things that impact Napa auto insurance rates.

Auto Theft in Napa

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Napa, CA auto theft show a total of 169 vehicle thefts annually.

Commute Times in Napa

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Napa, CA is 22.9 minutes according to City-Data.

Traffic in Napa

How is traffic in Napa, California? Inrix data shows that Napa, CA traffic makes it the 432nd-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Napa, CA

You can buy cheap Napa, CA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Napa, California auto insurance quotes from top companies.

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