Compare Napa, CA Car Insurance Rates (2021)

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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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • 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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Napa, 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 $2,683 $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.

Minimum Required Car Insurance Coverage in Napa, 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

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.

Annual Napa, California Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates for Teen Drivers in Napa, California

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.

Annual Car Insurance Rates for Senior Drivers in Napa, California

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.

Annual Car Insurance Rates After a DUI in Napa, California

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.

Annual Car Insurance Rates by Commute Length in Napa, California

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.

Annual Car Insurance Rates by ZIP Code in Napa, California

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.

Average Annual Car Insurance Rates by Company in Napa, California

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.

Best Annual Car Insurance Rates by Company in Napa, 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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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.

Annual Car Insurance Rates by Coverage Level in Napa, California

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.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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