Cheap Quotes for Novato, CA Car Insurance (2021)

Novato, California car insurance rates average $286 a month and California law requires coverage of at least 15/30/5. By comparing rates from multiple Novato, CA companies, you can find cheap Novato car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • Average car insurance rates in Novato, CA after a DUI are $4,793/year
  • Novato has an average commute time of 33.0 minutes
  • The cheapest car insurance company in Novato is GEICO

How do the Novato, California monthly average car insurance rates of $286/month compare to nearby cities like San Jose car insurance rates, Long Beach car insurance rates, and Anaheim car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Novato, CA.

We’ll cover the California minimum coverage requirements, California car insurance laws, and Novato, CA statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Novato, California companies to find the most affordable Novato car insurance rates.

Enter your ZIP code above to find cheap Novato, CA car insurance quotes today.

What are the minimum Novato, CA car insurance requirements?

To meet California minimum car insurance coverage requirements, Novato, CA drivers need to carry at least 15/30/5 coverage.

Minimum Required Car 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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Average Novato, CA Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Novato, CA you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Novato, California

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

How do age, gender, and marital status affect Novato, CA car insurance rates?

Three of the criteria that most affect car insurance rates in Novato, California are age, gender, and marital status. Let’s take a look at how each of these stack up with top Novato car insurance companies.

Annual Car 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

How much do teen drivers pay for car insurance in Novato, CA?

Novato, California car insurance rates for teens are often higher than rates for other drivers. Compare Novato car insurance rates from multiple Novato, California car insurance companies to get the best deal.

Annual Car 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

How much do senior drivers pay for car insurance in Novato, CA?

With a little research, seniors can find affordable car insurance in Novato, California. Here’s a look at how the top Novato car insurance companies stack up.

Annual Car 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

How does coverage level affect Novato, CA car insurance rates?

How much coverage do you need? Are you comfortable with the California minimum of 15/30/5 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Novato, CA car insurance rates will be. Let’s take a look.

Annual Car 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

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How does your driving record affect Novato, CA car insurance rates?

Safe driving pays off. The more traffic violations you have in Novato, CA, the higher your car insurance rates will be. Compare rates based on driving infractions from top Novato, California companies.

Annual Novato, California Car 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

How does a DUI affect Novato, CA car insurance rates?

With even one DUI on your record, you can see an increase in your Novato, CA car insurance rates.

Annual Car Insurance Rates After a DUI in Novato, California

Insurance Company Annual Car 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

How does your commute affect Novato, CA car insurance rates?

Novato, CA car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for California can be seen here. Remember, though, that you may have to carry substantially more car insurance in Novato if you’re financing.

Annual Car 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

Who has the cheapest Novato, CA car insurance rates?

Here’s a breakdown of Novato, California car insurance rates by company. You can see which company offers the cheapest Novato car insurance rates in each category.

Best Annual Car 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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What are the top Novato, CA car insurance companies?

Which Novato, California car insurance company will best fit your needs and budget? Check out this comparison of the top Novato companies to find the one for you.

Average Annual Car 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 factors affect Novato, CA car insurance rates?

Why are Novato, California car insurance rates different than rates in San Jose or Long Beach? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Novato, CA?

FBI statistics show that the Novato, California car theft rate is 91 thefts each year. High theft rates can lead to higher than average Novato, CA car insurance rates.

How long is the average commute in Novato, CA?

More time spent behind the wheel can lead to higher Novato, California car insurance rates. In Novato, CA, the average commute length is 33.0 minutes.

Car Insurance Quotes for Novato, CA

Shop for affordable Novato, California car insurance rates today. Enter your ZIP code to compare quotes from multiple Novato, CA car insurance companies.

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