Buy Cheap San Rafael, CA Auto Insurance (2021)

San Rafael, CA auto insurance rates average $311 a month. Minimum auto insurance requirements in San Rafael, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in San Rafael, CA, compare San Rafael 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

  • The most expensive auto insurance company in San Rafael is Farmers
  • Average auto insurance rates in San Rafael, CA for teens drivers are $6,281/year
  • The most expensive auto insurance company in San Rafael after a DUI is State Farm

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

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

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

San Rafael, CA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in San Rafael, 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 $2,707 $2,705 $1,983 $1,997 $7,594 $9,548 $3,453 $3,779
Farmers $2,698 $2,698 $2,439 $2,439 $8,646 $14,181 $3,202 $3,572
GEICO $1,815 $1,816 $1,707 $1,707 $5,538 $5,635 $2,609 $2,667
Liberty Mutual $2,495 $2,361 $2,327 $2,255 $5,513 $5,866 $2,814 $2,834
Nationwide $3,044 $2,903 $2,667 $2,512 $7,806 $8,597 $3,650 $3,602
Progressive $1,771 $1,823 $1,503 $1,785 $4,733 $5,702 $2,547 $2,738
State Farm $3,493 $3,493 $3,122 $3,122 $6,438 $7,973 $3,869 $3,992
Travelers $2,664 $2,576 $2,355 $2,330 $5,569 $6,379 $3,480 $3,404
USAA $2,054 $1,947 $2,002 $2,013 $4,691 $4,747 $2,871 $2,715

Buy Cheap San Rafael, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in San Rafael, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,594 $9,548
Farmers $8,646 $14,181
GEICO $5,538 $5,635
Liberty Mutual $5,513 $5,866
Nationwide $7,806 $8,597
Progressive $4,733 $5,702
State Farm $6,438 $7,973
Travelers $5,569 $6,379
USAA $4,691 $4,747

Buy Cheap San Rafael, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in San Rafael, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,983 $1,997
Farmers $2,439 $2,439
GEICO $1,707 $1,707
Liberty Mutual $2,327 $2,255
Nationwide $2,667 $2,512
Progressive $1,503 $1,785
State Farm $3,122 $3,122
Travelers $2,355 $2,330
USAA $2,002 $2,013

Find Cheap Auto Insurance Rates in San Rafael, CA by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in San Rafael, California

Insurance Company Low Medium High
Allstate $3,997 $4,258 $4,408
Farmers $4,650 $5,022 $5,281
GEICO $2,695 $2,968 $3,147
Liberty Mutual $3,091 $3,339 $3,495
Nationwide $3,916 $4,430 $4,697
Progressive $2,536 $2,913 $3,026
State Farm $4,024 $4,510 $4,780
Travelers $3,145 $3,695 $3,944
USAA $2,656 $2,927 $3,057

Find Cheap San Rafael, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in San Rafael, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,808 $4,633
Farmers $4,522 $5,446
GEICO $2,667 $3,205
Liberty Mutual $3,039 $3,578
Nationwide $3,840 $4,855
Progressive $2,561 $3,089
State Farm $4,278 $4,598
Travelers $3,229 $3,961
USAA $2,656 $3,104

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Find Cheap San Rafael, CA Auto Insurance Rates by ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in San Rafael, California

ZIP Code Average Annual Rates
94901 $5,093
94903 $4,962

Find Cheap San Rafael, CA Auto Insurance Rates by Driving Record

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

Annual San Rafael, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,550 $4,277 $6,714 $3,342
Farmers $3,683 $5,018 $6,252 $4,984
GEICO $2,053 $3,172 $3,975 $2,547
Liberty Mutual $2,873 $3,847 $3,470 $3,043
Nationwide $3,036 $3,890 $6,573 $3,890
Progressive $1,851 $3,145 $3,636 $2,668
State Farm $3,167 $3,777 $7,132 $3,675
Travelers $2,388 $3,906 $4,553 $3,531
USAA $1,912 $2,850 $4,664 $2,095

Find Cheap San Rafael, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in San Rafael, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,714
Farmers $6,252
GEICO $3,975
Liberty Mutual $3,470
Nationwide $6,573
Progressive $3,636
State Farm $7,132
Travelers $4,553
USAA $4,664

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

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

Best Annual Auto Insurance Rates by Company in San Rafael, California

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

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Find Cheap San Rafael, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in San Rafael, California

Insurance Company Average Annual Rates
Allstate $4,221
Farmers $4,984
GEICO $2,936
Liberty Mutual $3,308
Nationwide $4,348
Progressive $2,825
State Farm $4,438
Travelers $3,595
USAA $2,880

What affects San Rafael, California auto insurance rates?

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

Auto Theft in San Rafael

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for San Rafael, CA auto theft show a total of 368 vehicle thefts annually.

Commute Times in San Rafael

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in San Rafael, CA is 29.7 minutes according to City-Data.

Traffic in San Rafael

How is traffic in San Rafael, California? Inrix data shows that San Rafael, CA traffic makes it the 198th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in San Rafael, CA

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

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