Compare Novato, CA Car Insurance Rates (2021)

Car insurance in Novato, CA averages $286 a month. Novato, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Novato car insurance rates, compare quotes from the top car insurance companies in Novato, 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 Novato is GEICO
  • The cheapest ZIP code in Novato is 94945
  • Average car insurance rates in Novato, CA are $3,427/year

If you need to buy Novato, California car insurance, the options can be confusing. Everything you need to know about car insurance in Novato, CA is right here.

You’ll find Novato car insurance rates, the cheapest Novato, CA car insurance companies, and information on California car insurance laws. You can also compare Novato, California car insurance rates to San Francisco car insurance rates, Oakland car insurance rates, and Sacramento car insurance rates.

Ready to find affordable Novato, CA car insurance today? Enter your ZIP code for fast, free Novato car insurance quotes.

Cheapest Novato, CA Car Insurance Rates By Age, Gender, and Marital Status

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

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Minimum Car Insurance in Novato, CA

Every driver must carry the minimum car insurance in Novato, CA. Take a look at the California car insurance requirements.

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

Cheapest Novato, 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 Novato, CA to rates for a clean record with top 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

Cheapest Novato, CA Car Insurance for Teen Drivers

Teen car insurance in Novato, CA can be expensive. Take a look at rates from the top car insurance companies in Novato for teenagers.

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

Cheapest Novato, CA Car Insurance for Seniors

Take a look at Novato, 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 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

Cheapest Novato, CA Car Insurance Rates After a DUI

A DUI in Novato, CA increases car insurance rates. Compare Novato, California DUI car insurance by company to find the cheapest option.

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

Cheapest Novato, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Novato, CA by commute? Take a look at a comparison of the top companies by commute length.

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

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Cheapest Novato, CA Car Insurance Rates by ZIP Code

Novato car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Novato, CA.

Annual Car Insurance Rates by ZIP Code in Novato, California

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

The Best Cheap Car Insurance Companies in Novato, CA

Take a look at a side-by-side comparison of the top car insurance companies in Novato, CA to find the best option for your needs.

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

Category Winners: Cheapest Car Insurance in Novato, California

Find the cheapest car insurance companies in Novato, CA for each category right here.

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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Cheapest Novato, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Novato car insurance rates. Find the cheapest Novato, CA car insurance rates by coverage level.

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

What affects car insurance rates in Novato, California?

What factors can have an impact on Novato, CA car insurance? There are several reasons why Novato car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Novato, California.

Car Theft in Novato

High levels of vehicle theft can make car insurance more expensive. Novato, CA car theft statistics from the FBI indicate 91 vehicle thefts a year.

Commute Time in Novato

The more time you spend in your car the higher the risk of an accident. The average commute length in Novato, CA is 33.0 minutes according to City-Data.

Compare Car Insurance Quotes in Novato, CA

Ready to find affordable Novato, California car insurance today? Enter your ZIP code for fast, free Novato, CA car insurance quotes.

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