We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Fairfield shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Fairfield
The car insurance rate in Fairfield is $1316 for a six-month policy, which is $309 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $784, making it a popular choice for budget-conscious drivers. Rates in Fairfield can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $784 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: State Farm
State Farm offers auto
insurance rates at $876 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $957
for six months, making it
the third cheapest auto insurance company in Fairfield.
Fairfield Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Fairfield, FL is Travelers, offering policies at just $784 for a six-month term. This is followed by State Farm, which has an average six-month premium of $876.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1934 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fairfield drivers find the best deals.
Way's key takeaways about car insurance in Fairfield
The auto insurance costs in Fairfield fall around $784 for six
months.
The cheapest auto insurance company in Fairfield is Travelers.
Teen drivers pay the highest rate in Fairfield at $1119 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Fairfield
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Fairfield are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Fairfield. Their Average 6 Month Premium is $288.
Farmers is the most
expensive at $534 for the same
period.
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Fairfield is Travelers
at $132 per month and $784
for six months.
Cheapest Full Coverage Car Insurance Quotes in Fairfield,
FL
Get Your Car Insurance Quote in Fairfield
Instantly!
Average Car Insurance in Fairfield by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Fairfield, FL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Fairfield, Florida, may be increasing due to several external factors.
Florida has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Fairfield's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Fairfield
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
undefined
Cheapest Car Insurance Rates for Teen Drivers in
Fairfield,FL
If you are planning to get a car insurance policy for your teenage
dependent, Nationwide provides the cheapest car
insurance in the Fairfield at $73
per
month. At $6577 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Fairfield.
As young drivers face the highest rates in Fairfield, N/A
offers the cheapest auto insurance rates at $N/A for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Fairfield,
Nationwide is
the cheapest car insurance provider. At $524 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Fairfield is Farmers, offering
rates of around $2675 for six
months.
Save up to $971/yr on car insurance rates in Fairfield.
Car Insurance Rates with An Accident in Fairfield
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Fairfield, FL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Fairfield
The cheapest car insurance companies after an at-fault accident in
Fairfield include Nationwide
and AIG, offering $553
and $707,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2699.
Here is a list of driving violations that can increase your car
insurance rates in Fairfield FL. For example, the car
insurance in Fairfield
after a DUI increases to $760 for a six
month policy. While the rate increases by $231 for a six-month policy in the case of
a speeding ticket.
Fairfield auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1477
$246
One Med/PIP claim
$1477
$251
Not-at-fault accident
$1597
$266
Two Med/PIP claims
$1641
$279
One comp claim
$1665
$278
Child safety restraint
$1669
$284
Failure to wear a seat belt
$1669
$279
Driving without lights
$1674
$284
Failure to show documents
$1674
$279
Speeding 6 - 10 MPH over limit
$1708
$291
Improper passing
$1713
$285
Passing school bus
$1713
$292
Wrong way/wrong lane
$1713
$285
Failure to stop at a red light
$1718
$292
Failure to yield
$1718
$286
Illegal turn
$1718
$292
Cell phone violation
$1723
$287
Driving with expired registration
$1723
$293
Following too closely
$1723
$287
Texting while driving
$1727
$294
Two comp claims
$1766
$294
Driving too slowly
$1776
$302
Speeding in school zone
$1776
$296
Speeding 11 - 15 MPH over limit
$1780
$303
In 65 MPH zone
$1843
$307
Speeding 16 - 20 MPH over limit
$1843
$313
Speeding 21 - 25 MPH over limit
$1852
$309
Open container
$1872
$318
Operating a vehicle without permission
$1872
$312
At-fault accident - less than $1000
$2031
$345
At-fault accident - $1000-$2000
$2064
$344
At-fault accident - greater than $2000
$2064
$351
Racing
$2232
$372
DUI
$2237
$381
Refusal to submit to a chemical test
$2237
$373
Driving with a suspended license
$2276
$387
Reckless driving
$2324
$387
Leaving scene of an accident/hit and run
$2348
$399
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Fairfield after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Fairfield.
The cheapest car insurance premiums in
Fairfield are
offered by AIG at $520 for a six-month policy.
However, it can be as
expensive as $2199 with companies
like Farmers.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Fairfield are offered by Nationwide
at $452. However,
it can be as expensive as $2348
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Fairfield after Speeding ticket
Car insurance rates in Fairfield have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Fairfield dipped by
$207 in January
compared to $224 of December. In other words, there has been an decrease by $17 when you
compare January and December.
The average cost of liability insurance in the Fairfield dipped to $67 in January,
compared to $68 in December.
This represents an decrease of $1
when comparing January and December.
Average Car Insurance Cost in Fairfield by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Fairfield. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Fairfield?
The car insurance in Fairfield is $49 per month, which is lower than the national average.
What is the cheapest car insurance in Fairfield?
The cheapest car insurance in Fairfield
is $132 per month
for full coverage.
How much is car insurance in Fairfield for teenagers?
Car insurance for teenagers costs $438 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Fairfield?
The average cost of car insurance is $1625 for a six-month
policy. It will cost around $221 per month to insure your
car in Fairfield.
Is car insurance expensive in Fairfield?
Car insurance can be expensive in Fairfield if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Fairfield can be
affordable.
What is the best car insurance in Fairfield,
FL?
The best car insurance company in Fairfield
FL is
Travelers, offering $784 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Fairfield right now.
Find Car Insurance Rates in Cities Near Fairfield, FL
Car Insurance Rates by State in the USA (2025 Update)
Fairfield Car Insurance
