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Get Cheap Car Insurance in San Rafael, CA
We monitor insurance prices, helping the average driver in San Rafael save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in San Rafael
The chart below shows the cheapest car insurance company in San Rafael 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.
| San Rafael Insurer | Monthly Cost |
|---|---|
| Metromile | $53 |
| Geico | $59 |
| Progressive | $63 |
| Travelers | $66 |
Savings for Every Kind of San Rafael Driver
Based on our extensive insurance data, we know the average San Rafael 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 $669 per year by choosing the right vehicle insurance company. Some San Rafael residents are paying out over $2,091 extra every year for auto insurance in San Rafael. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
San Rafael, CA Savings / Yr. |
|---|---|
$669 |
|
$1,225 |
|
$969 |
|
$1,702 |
|
$874 |
|
$379 |
|
$0 |
San Rafael Car Insurance vs. California
People living in San Rafael pay an average of 4.14% more than the typical driver in the state. The average driver in San Rafael can expect to pay about $979 per year, or $2,091 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in San Rafael for most people.
Car Insurance Prices by San Rafael Neighborhood
Insurance Prices
Where is insurance cheapest within San Rafael?
The map shows insurance prices in and around San Rafael, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $546 per year within the city boundaries, with insurance premiums ranging from a high of $2,441 to a low of $1,895. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Northeast parts of San Rafael.Pick the Best Car Insurance Company for You in San Rafael
The best car insurance provider for most drivers in San Rafael
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $669 over the average San Rafael car insurance company.
The best car insurance provider for San Rafael 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 $1,225 over the competition.
The best car insurance company for San Rafael drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $969 better than other car insurance companies.
The best auto insurance for San Rafael drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,702 less each year.
The least expensive car insurance company for new and young drivers in San Rafael
In San Rafael, State Farm costs young drivers $874 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in San Rafael
Progressive gave the largest car insurance discounts to married couples, averaging $379 saved each year compared to an average San Rafael couple's premiums.
The cheapest car insurance in San Rafael for drivers with bad credit
The best San Rafael car insurance company for customer service
Nationwide was the best company for customer service in San Rafael according to the NAIC.
Recent price drops
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The cheapest large national provider in San Rafael
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average San Rafael 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 San Rafael, 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 San Rafael
What Influences the Cost of Car Insurance in San Rafael?
On average, car insurance in San Rafael 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 San Rafael is 37 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 San Rafael are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- San Rafael is a lightly populated area 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 San Rafael is $82 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
- Ross: Insurance costs 1.77% less
- San Anselmo: Insurance costs 4.07% less
- Kentfield: Insurance costs 0.57% less
- Greenbrae: Insurance costs the same
- Larkspur: Insurance costs 0.48% more
- Sleepy Hollow: Insurance costs 2.77% less
- Fairfax: Insurance costs 4.78% less
- San Quentin: Insurance costs 1.05% more
- Corte Madera: Insurance costs 1.20% more
- Mill Valley: Insurance costs 1.43% less
Cities with Similar Populations
- Boulder: Insurance costs 8.03% less
- Binghamton: Insurance costs 10.14% more
- Bremerton: Insurance costs 28.02% less
- Bethesda: Insurance costs 9.42% less
- Burleson: Insurance costs 20.42% less
- Bryan: Insurance costs 18.46% less
- Bolingbrook: Insurance costs 20.28% less
- Bothell: Insurance costs 23.67% less
- Brick: Insurance costs 16.12% less
- Bronx: Insurance costs 68.15% more