Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in San Rafael after a DUI is Liberty Mutual
  • The cheapest car insurance company in San Rafael for teen drivers is USAA
  • The annual number of car thefts in San Rafael is 368.

Average car insurance rates in San Rafael, California are $311 a month. But with a little research you can get a great deal from the top car insurance companies in San Rafael, CA. Before you buy San Rafael, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare San Rafael car insurance rates with San Diego car insurance rates, Los Angeles car insurance rates, or San Jose car insurance rates to make sure you’re getting the best San Rafael, CA car insurance quotes available.

Need affordable San Rafael, CA car insurance? Enter your ZIP code to compare San Rafael car insurance quotes from multiple car insurance companies near you.

San Rafael, CA Minimum Car Insurance Coverage

San Rafael, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

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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San Rafael, CA Car Insurance Rates by Coverage Level

Some San Rafael drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your San Rafael, California car insurance rates may be based on the coverage you need.

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

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

San Rafael, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy San Rafael, CA car insurance, get quotes from multiple car insurance companies in the San Rafael area and see how these criteria affect your 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

San Rafael, CA Car Insurance Rates for Teens

How much is San Rafael, California car insurance for teens? Compare rates from top San Rafael car insurance companies below to help find the cheapest teen car insurance in San Rafael, CA.

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

San Rafael, CA Car Insurance Rates for Seniors

Before seniors buy San Rafael, California car insurance, they should make sure to shop around. Some San Rafael, CA car insurance companies may offer discounts or other savings options for senior car insurance.

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

San Rafael, CA Car Insurance Rates by Driver History

How does a single speeding ticket affect your San Rafael, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in San Rafael.

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

San Rafael, CA Car Insurance Rates With a DUI

Even a single DUI can increase your San Rafael, CA car insurance rates. Compare rates below to see which San Rafael car insurance company has the best rates for drivers with a DUI.

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

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San Rafael, CA Car Insurance Rates by ZIP Code

Just like San Rafael car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how San Rafael, CA car insurance rates fluctuate 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

San Rafael, CA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your San Rafael, CA car insurance rates may be. Let’s take a look at average car insurance rates from top San Rafael companies based on commute time.

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

San Rafael, CA Cheapest Car Insurance Rates

How do the top San Rafael, California car insurance companies’ average rates stack up against the San Rafael average monthly car insurance rates of $311? Take a look and see.

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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San Rafael, CA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top San Rafael, California car insurance companies to help you find one that best fits 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

Other Factors Affecting San Rafael, CA Car Insurance Rates

Before you buy San Rafael, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

San Rafael, CA Car Theft Rates

The car theft rate in San Rafael, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for San Rafael, California is 368 stolen cars.

San Rafael, CA Commute Time

How does your San Rafael, CA commute time compare with the average driver? In San Rafael, the average commute is 29.7 minutes.

San Rafael, CA Traffic

Spending time in San Rafael traffic can lead to higher car insurance rates. According to INRIX data, San Rafael, CA ranks as the 198th-most congested with traffic in the world.

San Rafael, CA Car Insurance Quotes

Compare San Rafael, CA car insurance quotes from multiple companies by entering your ZIP code now.