Compare San Rafael, CA Car Insurance Rates (2021)

Car insurance in San Rafael, CA averages $311 a month. San Rafael, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap San Rafael car insurance rates, compare quotes from the top car insurance companies in San Rafael, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 San Rafael for teen drivers is USAA
  • The cheapest ZIP code in San Rafael is 94903
  • Average car insurance rates in San Rafael, CA are $3,726/year

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

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

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

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

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

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Minimum Car Insurance in San Rafael, CA

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

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

Cheapest San Rafael, 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 San Rafael, CA to rates for a clean record with top 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

Cheapest San Rafael, CA Car Insurance for Teen Drivers

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

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

Cheapest San Rafael, CA Car Insurance for Seniors

Take a look at San Rafael, 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 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

Cheapest San Rafael, CA Car Insurance Rates After a DUI

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

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

Cheapest San Rafael, CA Car Insurance Rates by Commute Length

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

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

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Cheapest San Rafael, CA Car Insurance Rates by ZIP Code

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

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

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

The Best Cheap Car Insurance Companies in San Rafael, CA

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

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

Category Winners: Cheapest Car Insurance in San Rafael, California

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

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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Cheapest San Rafael, CA Car Insurance Rates by Coverage Level

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

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

What affects car insurance rates in San Rafael, California?

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

Car Theft in San Rafael

High levels of vehicle theft can make car insurance more expensive. San Rafael, CA car theft statistics from the FBI indicate 368 vehicle thefts a year.

Commute Time in San Rafael

The more time you spend in your car the higher the risk of an accident. The average commute length in San Rafael, CA is 29.7 minutes according to City-Data.

Traffic in San Rafael

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. San Rafael, CA traffic data from INRIX ranks San Rafael as the 198th-most congested in the world.

Compare Car Insurance Quotes in San Rafael, CA

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

Free Car Insurance Comparison

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

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