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Get Cheap Car Insurance in Fair Oaks, CA
We monitor insurance prices, helping the average driver in Fair Oaks save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Fair Oaks
The chart below shows the cheapest car insurance company in Fair Oaks for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| Fair Oaks Insurer | Monthly Cost |
|---|---|
| Metromile | $52 |
| Geico | $59 |
| Progressive | $63 |
| Travelers | $65 |
Savings for Every Kind of Fair Oaks Driver
Based on our extensive insurance data, we know the average Fair Oaks driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $666 per year by choosing the right vehicle insurance company. Some Fair Oaks residents are paying out over $2,083 extra every year for auto insurance in Fair Oaks. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Fair Oaks, CA Savings / Yr. |
|---|---|
$666 |
|
$1,220 |
|
$965 |
|
$1,695 |
|
$870 |
|
$378 |
|
$0 |
Fair Oaks Car Insurance vs. California
People living in Fair Oaks pay an average of 3.72% more than the typical driver in the state. The average driver in Fair Oaks can expect to pay about $975 per year, or $2,083 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Fair Oaks for most people.
Car Insurance Prices by Fair Oaks Neighborhood
Insurance Prices
Where is insurance cheapest within Fair Oaks?
The map shows insurance prices in and around Fair Oaks, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $333 per year within the city boundaries, with insurance premiums ranging from a high of $2,316 to a low of $1,983. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Southwest parts of Fair Oaks.Pick the Best Car Insurance Company for You in Fair Oaks
The best car insurance provider for most drivers in Fair Oaks
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $666 over the average Fair Oaks car insurance company.
The best car insurance provider for Fair Oaks drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,220 over the competition.
The best car insurance company for Fair Oaks drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $965 better than other car insurance companies.
The best auto insurance for Fair Oaks drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,695 less each year.
The least expensive car insurance company for new and young drivers in Fair Oaks
In Fair Oaks, State Farm costs young drivers $870 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Fair Oaks
Progressive gave the largest car insurance discounts to married couples, averaging $378 saved each year compared to an average Fair Oaks couple's premiums.
The cheapest car insurance in Fair Oaks for drivers with bad credit
The best Fair Oaks car insurance company for customer service
Recent price drops
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The cheapest large national provider in Fair Oaks
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Fair Oaks driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Fair Oaks, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Fair Oaks
What Influences the Cost of Car Insurance in Fair Oaks?
On average, car insurance in Fair Oaks is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Fair Oaks is 34 minutes, which is about the national average for a driver in the state.
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Fair Oaks are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Fair Oaks is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Fair Oaks is $81 per month for minimum coverage and $174 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Gold River: Insurance costs 0.43% less
- Orangevale: Insurance costs 2.30% less
- Citrus Heights: Insurance costs 0.34% more
- Carmichael: Insurance costs 1.78% more
- Rancho Cordova: Insurance costs 2.83% more
- Foothill Farms: Insurance costs 3.41% more
- North Highlands: Insurance costs 6.87% more
- Folsom: Insurance costs 1.78% less
- Antelope: Insurance costs 5.09% more
- Granite Bay: Insurance costs 0.91% less
Cities with Similar Populations
- Belleville: Insurance costs 47.48% more
- Essex: Insurance costs 1.25% more
- Elmont: Insurance costs 58.62% more
- Trenton: Insurance costs 41.33% more
- East Stroudsburg: Insurance costs 24.92% less
- DeKalb: Insurance costs 27.32% less
- Venice: Insurance costs 14.55% more
- Cleveland: Insurance costs 19.92% less
- Cleburne: Insurance costs 20.26% less
- Catonsville: Insurance costs 5.62% less