Cheap Quotes for San Rafael, CA Car Insurance (2021)

San Rafael, California car insurance rates average $311 a month and California law requires coverage of at least 15/30/5. By comparing rates from multiple San Rafael, CA companies, you can find cheap San Rafael 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

  • The cheapest car insurance company in San Rafael is Progressive
  • Average car insurance rates in San Rafael, CA after a DUI are $5,219/year
  • San Rafael has an average commute time of 29.7 minutes

How do the San Rafael, California monthly average car insurance rates of $311/month compare to nearby cities like San Diego car insurance rates, Bakersfield car insurance rates, and Long Beach car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in San Rafael, CA.

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

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

What are the minimum San Rafael, CA car insurance requirements?

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

Minimum Required Car 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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Average San Rafael, CA Car Insurance Rates by ZIP Code

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

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

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

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

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

Annual Car 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

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

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

Annual Car 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

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

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

Annual Car 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

How does coverage level affect San Rafael, 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 San Rafael, CA car insurance rates will be. Let’s take a look.

Annual Car 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

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

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

Annual San Rafael, California Car 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

How does a DUI affect San Rafael, CA car insurance rates?

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

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

Insurance Company Annual Car 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

How does your commute affect San Rafael, CA car insurance rates?

San Rafael, 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 San Rafael if you’re financing.

Annual Car 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

Who has the cheapest San Rafael, CA car insurance rates?

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

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

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

Average Annual Car 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 factors affect San Rafael, CA car insurance rates?

Why are San Rafael, California car insurance rates different than rates in San Diego or Bakersfield? 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 San Rafael, CA?

FBI statistics show that the San Rafael, California car theft rate is 368 thefts each year. High theft rates can lead to higher than average San Rafael, CA car insurance rates.

How long is the average commute in San Rafael, CA?

More time spent behind the wheel can lead to higher San Rafael, California car insurance rates. In San Rafael, CA, the average commute length is 29.7 minutes.

What is the traffic like in San Rafael, CA

Like commute length, time spent in traffic also increase risk of accidents. San Rafael, CA is listed as 198th in INRIX congested cities data.

Car Insurance Quotes for San Rafael, CA

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