Compare Napa, CA Car Insurance Rates [2024]
Car insurance in Napa, CA averages $291 a month. Napa, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Napa car insurance rates, compare quotes from the top car insurance companies in Napa, CA.
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Joel Ohman
CEO and CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
CEO and CFP®
UPDATED: Nov 7, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 7, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Napa is Geico
- Average car insurance rates in Napa, CA after a DUI are $4,887/year
- The cheapest car insurance company in Napa for teen drivers is USAA
If you need to buy Napa, California car insurance, the options can be confusing. Everything you need to know about car insurance in Napa, CA is right here.
You’ll find Napa car insurance rates, the cheapest Napa, CA car insurance companies, and information on California car insurance laws. You can also compare Napa, California car insurance rates to Sacramento car insurance rates, Anaheim car insurance rates, and Oakland car insurance rates.
Ready to find affordable Napa, CA car insurance today? Enter your ZIP code for fast, free Napa car insurance quotes.
Cheapest Napa, CA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Napa, CA car insurance rates? Every Napa, California car insurance company weighs these factors differently, so check out the comparison rates.
| 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 |
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Minimum Car Insurance in Napa, CA
Every driver must carry the minimum car insurance in Napa, CA. Take a look at the California car insurance requirements.
| 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 |
Cheapest Napa, CA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Napa, CA to rates for a clean record with top companies.
| 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 |
Cheapest Napa, CA Car Insurance for Teen Drivers
Teen car insurance in Napa, CA can be expensive. Take a look at rates from the top car insurance companies in Napa for teenagers.
| 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 |
Cheapest Napa, CA Car Insurance for Seniors
Take a look at Napa, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| 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 |
Cheapest Napa, CA Car Insurance Rates After a DUI
A DUI in Napa, CA increases car insurance rates. Compare Napa, California DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car 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 |
Cheapest Napa, CA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Napa, CA by commute? Take a look at a comparison of the top companies by commute length.
| 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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Cheapest Napa, CA Car Insurance Rates by ZIP Code
Napa car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Napa, CA.
| ZIP Code | Average Annual Rates |
|---|---|
| 94558 | $4,781 |
| 94559 | $4,751 |
The Best Cheap Car Insurance Companies in Napa, CA
Take a look at a side-by-side comparison of the top car insurance companies in Napa, CA to find the best option for your needs.
| 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 |
Category Winners: Cheapest Car Insurance in Napa, California
Find the cheapest car insurance companies in Napa, CA for each category right here.
| 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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Cheapest Napa, CA Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Napa car insurance rates. Find the cheapest Napa, CA car insurance rates by coverage level.
| 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 |
What affects car insurance rates in Napa, California?
What factors can have an impact on Napa, CA car insurance? There are several reasons why Napa car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Napa, California.
Car Theft in Napa
High levels of vehicle theft can make car insurance more expensive. Napa, CA car theft statistics from the FBI indicate 169 vehicle thefts a year.
Commute Time in Napa
The more time you spend in your car the higher the risk of an accident. The average commute length in Napa, CA is 22.9 minutes according to City-Data.
Traffic in Napa
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Napa, CA traffic data from INRIX ranks Napa as the 432nd-most congested in the world.
Compare Car Insurance Quotes in Napa, CA
Ready to find affordable Napa, California car insurance today? Enter your ZIP code for fast, free Napa, CA car insurance quotes.
Frequently Asked Questions
How can I compare car insurance quotes in Napa, CA?
To compare car insurance quotes in Napa, CA, you can follow these steps:
- Collect your vehicle and personal information, including your driving history.
- Research reputable insurance companies that offer coverage in Napa.
- Visit the websites of these companies or use online insurance comparison tools.
- Provide accurate information and request quotes from multiple insurers.
- Review the coverage options, deductibles, and premiums offered by each company.
- Consider factors like customer reviews, financial stability, and customer service reputation.
- Choose the insurance policy that best fits your needs and budget.
What factors affect car insurance rates in Napa, CA?
Several factors can influence car insurance rates in Napa, CA, including:
- Age and gender
- Driving record and claims history
- Type of vehicle and its safety features
- Annual mileage and usage patterns
- Credit history
- ZIP code and location
- Coverage limits and deductibles
Are there any specific car insurance requirements in Napa, CA?
California requires drivers to carry certain minimum car insurance coverage, including:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability
What additional coverage options should I consider in Napa, CA?
While the minimum required coverage is mandatory, there are additional coverage options you may want to consider for added protection. These can include:
- Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with a driver who has insufficient or no insurance.
- Comprehensive coverage: Provides coverage for non-collision incidents like theft, vandalism, or natural disasters.
- Collision coverage: Covers damage to your vehicle caused by a collision, regardless of fault.
- Medical payments coverage: Pays for medical expenses for you and your passengers in case of an accident.
- Rental car reimbursement: Helps cover the cost of a rental car while your vehicle is being repaired after an accident.
How can I lower my car insurance premiums in Napa, CA?
To potentially lower your car insurance premiums in Napa, CA, consider the following:
- Maintain a clean driving record and avoid accidents or traffic violations.
- Bundle your car insurance with other policies, such as homeowners or renters insurance.
- Inquire about available discounts, such as safe driver discounts, multi-policy discounts, or good student discounts.
- Consider raising your deductibles, but ensure you can afford the out-of-pocket costs if needed.
- Install safety features in your vehicle, such as anti-theft devices or anti-lock brakes.
- Shop around and compare quotes from different insurance companies to ensure you’re getting the best rate.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
CEO and CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
CEO and CFP®
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.