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2024

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Best Local Car Insurance Agencies in Napa, CA

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Napa Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

55Reviewed

37Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1000 West College Avenue, Santa Rosa, CA 95401
WebsiteLicense: 0I29632

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Yelp
5.0 (7)

Why choose this provider?

Argos Insurance Services is an auto insurance company that covers clients in Napa. It was founded by Joel Alexander, who used to work as an insurance agent for Farmers Insurance. Joel and the company cater to all kinds of drivers, including first-time owners and those labeled "high risk". Argos Insurance agents talk with clients about their financial background to pick the proper coverage for collisions or underinsured drivers. The company also registers cars for California for ownership and VIN verification.

  • Motorcyle & ATV

929 Golf Course Drive, Rohnert Park, CA 94928
WebsiteLicense: 0F33316

Expertise.com Rating

Why choose this provider?

New Redwood Insurance Services is an insurance agency that serves the people of Rohnert Park and the surrounding communities, including Napa. The company was founded in 2012 by Christopher Molloy, who had 15 years' worth of experience as an insurance broker at the time. Today, he works with a team of professional agents that helps drivers obtain new car insurance plans or just switch to a different insurance carrier. New Redwood Insurance Services also insures motorcycles, boats, and RVs.

  • Motorcyle & ATV

25 McDonell Street, Sonoma, CA 95476
WebsiteLicense: 0A50538

Expertise.com Rating

Why choose this provider?

North Bay Insurance Brokers is an auto insurance provider in Napa and its surrounding area. It was established in the 1950s and is locally owned and operated. Other than cars, the agency insures motorcycles, classic cars, boats, Jet Skis, and ATVs. It also offers specialized insurance products for agribusinesses, contractors, non-profits, and wineries. The agency works closely with its local community and has been involved in the initiatives of Redwood Empire Food Bank and Sonoma Ecology Center.

  • Multiple Carriers

406 Napa Junction Road, American Canyon, CA 94503

Expertise.com Rating

Review Sources

Yelp
4.0 (19)

Why choose this provider?

Redwood Credit Union provides financial assistance for residents in Napa through auto insurance. Its team creates car insurance plans that cover property damage, as well as bodily injuries or death of persons in car accidents. The company's agents also deal with policies for boats, recreational vehicles, ATVs, and motorcycles. Additionally, they offer other insurance products for homes, life, and pets. Redwood Credit Union has been providing financial services since 1950.

  • Motorcyle & ATV
  • Multiple Carriers
  • RV & Motorhome

1163 Trancas Street, Napa, CA 94558
WebsiteLicense: 0I13809

Expertise.com Rating

Review Sources

Yelp
4.5 (7)
Google
4.0 (5)
Facebook
4.3 (3)

Why choose this provider?

Compass of California Insurance Services provides auto insurance coverage to clients in Napa. As an independent agency, Compass examines different policy plans from multiple carriers like Travelers and Progressive. Its agents help clients pick coverages that fit their concerns such as accident damage repair, roadside towing, and collision reimbursement. The company's founder, Kevin Miller, has been an insurance agent for over 20 years. Compass of California Insurance Services also offers coverage for farm and livestock, identity theft, and special events like weddings or anniversaries.

  • Multiple Carriers
  • RV & Motorhome

2205 Main Street, Napa, CA 94558
WebsiteLicense: 0F82791

Expertise.com Rating

Review Sources

Google
5.0 (56)
Facebook
5.0 (7)
Yelp
4.0 (4)

Why choose this provider?

Narvaez Insurance Services is a multi-line insurance solutions company that has been serving the Napa metro and nearby localities for more than 10 years. Founded in 2007, the firm assists individuals, families, and business owners in obtaining financial protection with an auto insurance policy. Its independent insurance agents partner with more than 15 providers to offer a variety of coverage options. These include bodily injury liability, property damage, towing and roadside assistance, and car rental coverage. The company serves clients throughout California.

  • Bundling Option

2017 Redwood Road, Napa, CA 94558
WebsiteLicense: 0D58556

Expertise.com Rating

Review Sources

Yelp
4.0 (4)
Google
5.0 (3)
Facebook
5.0 (1)

Why choose this provider?

Wine Valley Insurance Services is a locally owned and operated insurance agency that caters to the car insurance needs of clients in Napa and the neighboring areas. The agency works with well-known insurance carriers such as Travellers, Allianz, and Foremost in order to provide more options for personal and commercial lines of insurance. The team of professional agents performs an annual review of the client's policy in order to make sure it is still up-to-date with the current market.

  • Motorcyle & ATV

14872 Lakeshore Drive, Napa, CA 95422
WebsiteLicense: 0H23452

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
4.0 (2)
Yelp
5.0 (2)

Why choose this provider?

Kosich Family Insurance Services - Clearlake offers auto insurance services in Napa, Ukiah, Kelseyville, Sonoma, and other neighboring areas. The family-owned service provider has a live operator answering insurance emergency calls 24/7. Its agents represent over 75 insurance carriers that provide policies such as medical payment, physical damage, property damage, rental or transportation, and bodily injury liability. Additionally, the company was established in 1946 by Walter Kosich to provide personalized insurance solutions.

  • Multiple Carriers

2780 Stony Point Road, Santa Rosa, CA 95407
WebsiteLicense: 0D59026

Expertise.com Rating

Review Sources

Yelp
4.5 (10)
Facebook
5.0 (9)

Why choose this provider?

Eddie Sandoval is a State Farm insurance agent serving Napa and other locations. His company provides collision coverage to protect the damaged car after a collision or if it hits an unmoving object. It has liability coverage to protect the client from losses or lawsuits after causing physical injuries. It also features comprehensive insurance to prevent losses due to theft, vandalism, fire, or hitting an animal. Eddie helps his clients manage everyday risks, regain losses, and preserve their investments.

  • Multiple Carriers

725 East Washington Street, Petaluma, CA 94952
WebsiteLicense: 0M75945

Expertise.com Rating

Review Sources

Google
5.0 (131)
Facebook
5.0 (10)
Yelp
5.0 (10)

Why choose this provider?

Melanie Rose Hirschmugl is a State Farm agent servicing her clients in Napa and the nearby areas around Sonoma County. She provides long-term services to her clients by providing them with car insurance plans, as well as life insurance and commercial insurance which includes workers' compensation and business vehicle insurance. State Farm has been serving its customers for over 97 years, with insurance plans that cover homes, life and health, business, and condos and renters.

  • Bundling Option

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Argos Insurance Services
1000 West College Avenue, Santa Rosa, CA 95401
New Redwood Insurance Services
929 Golf Course Drive, Rohnert Park, CA 94928
northbayinsurance.com
25 McDonell Street, Sonoma, CA 95476
redwoodcu.org
406 Napa Junction Road, American Canyon, CA 94503
Compass of California Insurance Services
1163 Trancas Street, Napa, CA 94558
Narvaez Insurance Services
2205 Main Street, Napa, CA 94558
Wine Valley Insurance Services
2017 Redwood Road, Napa, CA 94558
Kosich Family Insurance Services - Clearlake
14872 Lakeshore Drive, Napa, CA 95422
Eddie Sandoval
2780 Stony Point Road, Santa Rosa, CA 95407
Melanie Rose Hirschmugl
725 East Washington Street, Petaluma, CA 94952

Napa, CA Car Insurance Agency FAQs

  • Can it be significantly more expensive to insure an electric car in Napa than a gas-powered one?

    Not really. In general, there is a minimal increase of at least $100 if you choose the electric model. For example, it costs an average of $1,986 annually to insure an electric Chrysler Pacifica, while it costs $1,891 for the same gas-powered model. If your electric car model in Napa is pricey, it can cost significantly more to insure it. According to Forbes, the most expensive electric car to insure is the Porsche Taycan( $4,683), while the least expensive one is the Toyota RAV4 hybrid ($1,776).

  • Are there recent increases in car insurance rates in Napa?

    Yes. This 2023, policyholders in Napa can expect an increase in their car insurance rates, starting at $100. This comes after several major insurers received approval for the increase from the California Department of Insurance. The population that will significantly be affected is the working class or those without advanced college degrees, who may pay up to an 18% increase. This is because insurers charge a higher base rate for this population.

  • What kind of add-on options should you consider for your car insurance in Napa?

    In addition to your minimum coverage in Napa, you should consider uninsured/underinsured motorist coverage for protection if you get hit by a driver with limited to no insurance. You can also get the optional comprehensive coverage for incidents such as vandalism, natural disasters, and theft, as well as collision coverage for accidents, regardless of fault. Add-on options also include medical payment coverage and rental car reimbursement.

  • How can you report car insurance fraud in Napa?

    Dial 707-253-4059 to contact the hotline of the Napa County District Attorney’s Office Insurance Fraud Unit if you have questions or need to submit a complaint. You can also send the DA's Office an email at autoinsurancefraud@countyofnapa.org. Its office's physical location is at 1127 First Street Suite C Napa, CA 94559.

  • When do you need SR-22 insurance in Napa?

    You will be required to carry SR-22 insurance in Napa if you have been convicted of driving while uninsured or under the influence. The insurance is also required if you are declared a negligent operator. With this insurance, you can already have your license reinstated after it has been suspended.