Buy Cheap Novato, CA Auto Insurance (2022)

Novato, CA auto insurance rates average $286 a month. Minimum auto insurance requirements in Novato, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Novato, CA, compare Novato 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 overwhelming world o...

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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

  • Average auto insurance rates in Novato, CA for teens drivers are $5,773/year
  • The most expensive auto insurance company in Novato after a DUI is Allstate
  • The most expensive auto insurance company in Novato is Farmers

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

See how Novato, CA car insurance rates compare to San Francisco auto insurance rates, San Jose auto insurance rates, and San Diego auto insurance rates before you read more about the cost of auto insurance in Novato.

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

Novato, CA Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Novato, 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 Novato, CA Auto Insurance by Age, Gender, and Marital Status

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Novato, 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 $2,625 $2,625 $1,926 $1,942 $7,356 $9,255 $3,361 $3,687
Farmers $2,592 $2,592 $2,339 $2,339 $8,286 $13,599 $3,074 $3,426
GEICO $1,543 $1,545 $1,452 $1,452 $4,695 $4,775 $2,216 $2,266
Liberty Mutual $2,330 $2,205 $2,171 $2,104 $5,127 $5,452 $2,627 $2,648
Nationwide $2,833 $2,704 $2,488 $2,345 $7,230 $7,971 $3,394 $3,347
Progressive $1,664 $1,710 $1,421 $1,680 $4,451 $5,336 $2,389 $2,562
State Farm $3,103 $3,103 $2,773 $2,773 $5,718 $7,088 $3,437 $3,545
Travelers $2,373 $2,298 $2,102 $2,079 $4,894 $5,621 $3,090 $3,024
USAA $1,835 $1,741 $1,786 $1,796 $4,199 $4,227 $2,542 $2,406

Buy Cheap Novato, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Novato, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,356 $9,255
Farmers $8,286 $13,599
GEICO $4,695 $4,775
Liberty Mutual $5,127 $5,452
Nationwide $7,230 $7,971
Progressive $4,451 $5,336
State Farm $5,718 $7,088
Travelers $4,894 $5,621
USAA $4,199 $4,227

Buy Cheap Novato, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Novato, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,926 $1,942
Farmers $2,339 $2,339
GEICO $1,452 $1,452
Liberty Mutual $2,171 $2,104
Nationwide $2,488 $2,345
Progressive $1,421 $1,680
State Farm $2,773 $2,773
Travelers $2,102 $2,079
USAA $1,786 $1,796

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

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

Annual Auto Insurance Rates by Coverage Level in Novato, California

Insurance Company Low Medium High
Allstate $3,898 $4,130 $4,263
Farmers $4,462 $4,816 $5,064
GEICO $2,285 $2,521 $2,674
Liberty Mutual $2,882 $3,110 $3,257
Nationwide $3,623 $4,117 $4,376
Progressive $2,357 $2,742 $2,856
State Farm $3,566 $4,010 $4,252
Travelers $2,805 $3,271 $3,480
USAA $2,335 $2,615 $2,750

Find Cheap Novato, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Novato, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,700 $4,494
Farmers $4,338 $5,223
GEICO $2,265 $2,721
Liberty Mutual $2,831 $3,335
Nationwide $3,571 $4,507
Progressive $2,402 $2,902
State Farm $3,800 $4,085
Travelers $2,865 $3,506
USAA $2,366 $2,768

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Find Cheap Novato, CA Auto Insurance Rates by ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Novato, California

ZIP Code Average Annual Rates
94945 $4,649
94947 $4,653
94949 $4,718

Find Cheap Novato, CA Auto Insurance Rates by Driving Record

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

Annual Novato, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,475 $4,159 $6,511 $3,244
Farmers $3,532 $4,812 $5,998 $4,780
GEICO $1,744 $2,689 $3,376 $2,163
Liberty Mutual $2,677 $3,585 $3,234 $2,836
Nationwide $2,822 $3,616 $6,102 $3,616
Progressive $1,739 $2,957 $3,403 $2,508
State Farm $2,814 $3,355 $6,336 $3,265
Travelers $2,133 $3,453 $4,027 $3,128
USAA $1,706 $2,540 $4,153 $1,868

Find Cheap Novato, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Novato, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,511
Farmers $5,998
GEICO $3,376
Liberty Mutual $3,234
Nationwide $6,102
Progressive $3,403
State Farm $6,336
Travelers $4,027
USAA $4,153

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

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

Best Annual Auto Insurance Rates by Company in Novato, 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 Novato, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Novato, California

Insurance Company Average Annual Rates
Allstate $4,097
Farmers $4,781
GEICO $2,493
Liberty Mutual $3,083
Nationwide $4,039
Progressive $2,652
State Farm $3,943
Travelers $3,185
USAA $2,567

What affects Novato, California auto insurance rates?

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

Auto Theft in Novato

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Novato, CA auto theft show a total of 91 vehicle thefts annually.

Commute Times in Novato

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Novato, CA is 33.0 minutes according to City-Data.

Compare Auto Insurance Quotes in Novato, CA

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

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