Fairfield drivers spend about 31 minutes getting to work, so comparing car insurance quotes with A1 is a smart way to keep costs in check.
How Much Does Car Insurance Cost in Fairfield?
Longer commutes mean more miles on the road, and Prop 103 says annual mileage is one of the most heavily weighted rating factors. Vehicle theft in Fairfield runs about 3.2 per thousand people, which matches the state average, so your ZIP code and vehicle choice still count as optional factors insurers may weigh.
| Factor | Fairfield | California |
|---|---|---|
| Average commute | 31 min | 29 min |
| Homes with 2+ cars | 71% | 63% |
| Car thefts per 1,000 | 3.2 | 3.2 |
| ZIP codes | 3 |
Why Fairfield Drivers Compare Quotes With A1
Each carrier weighs mileage, driving record and ZIP code a little differently, so the same Fairfield driver can get different prices from different companies. A1 works with several California carriers rather than one, so you get side-by-side quotes for free.
About Fairfield, California
Fairfield is an incorporated city in Solano County with about 119,985 residents spread over roughly 42 square miles. It sits in the San Francisco Bay Area at a low elevation of about 13 feet. ZIP codes here include 94533, 94534 and 94535, and Suisun City is only about 2 miles away.
- County
- Solano County
- Population
- 119,985 (Census est.)
- Major routes
- I-80, SR-12
Driving in Fairfield: What to Know
About 73 percent of Fairfield commuters drive alone, higher than the state figure of about 67 percent. Only about 2 percent use public transit, so most households depend on their cars. About 71 percent of households own two or more vehicles, compared with about 63 percent statewide, which means many families insure several cars at once. I-80 and SR-12 run through or near the city, so highway miles can add up quickly.
State highways through or near Fairfield:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Fairfield
The nearest DMV office is Fairfield DMV at 160 Serrano Drive, Fairfield, CA 94533, about 2.4 miles away.
Nearest DMV: Fairfield
160 Serrano Drive, Fairfield, CA 94533
About 2.4 miles from Fairfield
California Car Insurance Rules for Fairfield Drivers
California's minimum liability coverage is 30/60/15, which covers $30,000 per person, $60,000 per accident and $15,000 for property damage. Drivers with a clean record may qualify for a Good Driver Discount of at least 20 percent, and credit scores cannot be used to set your rate.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Fairfield ZIP Codes and Nearby Areas
ZIP codes in Fairfield:
Nearby cities and communities:
More About Fairfield
Fairfield sits about halfway between San Francisco and Sacramento, and as the Solano County seat it mixes sweet treats, wine country and open hills. Some highlights:
- Jelly Belly factory tours. The candy maker's Fairfield campus offers a free guided tour of the jelly bean production line, plus a visitor center and a café full of samples.
- Suisun Valley. Just north of town, this small, quiet wine region has family-run vineyards, tasting rooms and roadside farm stands, all without the crowds of bigger wine country spots.
- Rockville Hills Regional Park. Trails wind through oak-dotted grassland hills on the edge of town, a favorite spot for a quick hike, a bike ride or a spring wildflower walk.
- Travis Air Force Base. The base is a big part of Fairfield's identity, and the Travis Heritage Center displays vintage aircraft and tells the story of the base's role in military airlift.
Fairfield Car Insurance FAQ
Does my long commute raise my insurance rate in Fairfield?
It can, because annual mileage is one of the top factors insurers must weigh under Prop 103. Fairfield's average commute of about 31 minutes is a bit longer than the state's 29, so accurate mileage figures matter when you get quotes.
Do I need comprehensive coverage for theft in Fairfield?
Fairfield police recorded 378 vehicle thefts in 2025, about 3.2 per thousand people, the same as the state average. Comprehensive coverage pays for theft, fire, flood and vandalism, while liability-only does not cover your own car.
What happens if I drive without insurance in Fairfield?
A first offense brings a $100 to $200 fine plus penalty assessments, and later offenses can mean impound. If you need an SR-22 after an uninsured driving ticket, DUI or suspension, your insurer files it with the DMV.