Cheapest and Best Car Insurance Companies in Santa Clara, CA

In Santa Clara, California, GEICO offers the most affordable car insurance, according to 2023 quotes. It is also the best insurer overall, providing an excellent balance between pricing and service.

Compare Rates and Save on Car Insurance

By Mark Fitzpatrick, Content Director

Updated: Sep 26, 2023

Edited by

Scott Strandberg

Your driver profile and coverage needs, among other factors, may determine the cheapest Santa Clara auto insurer for you. The best and cheapest car insurer is GEICO. Meanwhile, National General has the most affordable full coverage policies and plans for people with poor driving records, while State Farm has the cheapest policies for teens. USAA is the most affordable insurer for military-affiliated policyholders. Finally, Santa Clara's best customer service provider is Chubb.

Cheapest + BestCar InsuranceSanta Clara

2023

Cheapest and Best Car Insurance in Santa Clara, CA

Cheapest Overall - GEICO

Cheapest Full Coverage - National General

Cheapest After Driving Offense - National General

Cheapest for Teens - State Farm

Cheapest for Military - USAA

Best Overall - GEICO

Best for Customer Service - Chubb

Best Cheap - GEICO

Cheapest Minimum Liability Car Insurance in Santa Clara

The following Santa Clara car insurance providers have the most affordable rates for minimum coverage policies:

GEICO: $365 per year
CSAA: $409 per year

Chubb has the most expensive premiums for minimum coverage auto insurance at $743 per year.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$361	$30
GEICO	$365	$30
State Farm	$368	$31
CSAA	$409	$34
CSAA	$414	$35
GEICO	$430	$36
Progressive	$443	$37
Progressive	$443	$37
CSAA	$450	$38
Mercury	$474	$40
Mercury	$484	$40
State Farm	$487	$41
Progressive	$521	$43
Travelers	$535	$45
Travelers	$536	$45
State Farm	$556	$46
National General	$569	$47
Nationwide	$576	$48
National General	$586	$49
Kemper	$591	$49
Mercury	$592	$49
State National	$595	$50
Farmers	$596	$50
Capital Insurance Group	$597	$50
Nationwide	$599	$50
Travelers	$612	$51
State National	$612	$51
Farmers	$614	$51
Allstate	$618	$52
Capital Insurance Group	$619	$52
Allstate	$620	$52
Hartford	$626	$52
Allstate	$668	$56
Kemper	$682	$57
Capital Insurance Group	$692	$58
Farmers	$697	$58
National General	$701	$58
Hartford	$718	$60
State National	$727	$61
Chubb	$743	$62
Nationwide	$759	$63
Chubb	$765	$64
State Farm	$881	$73
Kemper	$897	$75
National General	$921	$77
GEICO	$921	$77
Hartford	$930	$78
National General	$936	$78
GEICO	$952	$79
Progressive	$989	$82
Progressive	$998	$83
Chubb	$1,061	$88
Allstate	$1,063	$89
GEICO	$1,097	$91
Allstate	$1,111	$93
National General	$1,119	$93
CSAA	$1,120	$93
CSAA	$1,129	$94
State Farm	$1,130	$94
Mercury	$1,173	$98
Progressive	$1,194	$99
Mercury	$1,199	$100
CSAA	$1,224	$102
Allstate	$1,234	$103
Capital Insurance Group	$1,246	$104
Hartford	$1,281	$107
State National	$1,301	$108
Nationwide	$1,305	$109
State Farm	$1,321	$110
Capital Insurance Group	$1,324	$110
Travelers	$1,378	$115
State National	$1,397	$116
Nationwide	$1,417	$118
Travelers	$1,440	$120
Hartford	$1,474	$123
Capital Insurance Group	$1,490	$124
Kemper	$1,510	$126
Farmers	$1,516	$126
Farmers	$1,548	$129
Mercury	$1,552	$129
Travelers	$1,711	$143
State National	$1,725	$144
Chubb	$1,804	$150
Farmers	$1,837	$153
Nationwide	$1,854	$155
Chubb	$1,861	$155
Kemper	$1,863	$155
Hartford	$1,913	$159
Kemper	$2,245	$187
Chubb	$2,653	$221

In accordance with California law, a minimum coverage insurance policy must include property damage and bodily injury liability coverages.

In the event of an accident resulting in bodily harm, the insurance provider will pay up to $15,000 per injured person, up to a total of $30,000 per incident, along with up to $5,000 in property damage.

Cheapest Full Coverage Car Insurance in Santa Clara

If you're looking for the cheapest full coverage car insurance in Santa Clara, check out the following companies:

National General: $921 per year
GEICO: $952 per year

Chubb has the highest rates in the city, at $1,804 per year for full coverage.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$361	$30
GEICO	$365	$30
State Farm	$368	$31
CSAA	$409	$34
CSAA	$414	$35
GEICO	$430	$36
Progressive	$443	$37
Progressive	$443	$37
CSAA	$450	$38
Mercury	$474	$40
Mercury	$484	$40
State Farm	$487	$41
Progressive	$521	$43
Travelers	$535	$45
Travelers	$536	$45
State Farm	$556	$46
National General	$569	$47
Nationwide	$576	$48
National General	$586	$49
Kemper	$591	$49
Mercury	$592	$49
State National	$595	$50
Farmers	$596	$50
Capital Insurance Group	$597	$50
Nationwide	$599	$50
Travelers	$612	$51
State National	$612	$51
Farmers	$614	$51
Allstate	$618	$52
Capital Insurance Group	$619	$52
Allstate	$620	$52
Hartford	$626	$52
Allstate	$668	$56
Kemper	$682	$57
Capital Insurance Group	$692	$58
Farmers	$697	$58
National General	$701	$58
Hartford	$718	$60
State National	$727	$61
Chubb	$743	$62
Nationwide	$759	$63
Chubb	$765	$64
State Farm	$881	$73
Kemper	$897	$75
National General	$921	$77
GEICO	$921	$77
Hartford	$930	$78
National General	$936	$78
GEICO	$952	$79
Progressive	$989	$82
Progressive	$998	$83
Chubb	$1,061	$88
Allstate	$1,063	$89
GEICO	$1,097	$91
Allstate	$1,111	$93
National General	$1,119	$93
CSAA	$1,120	$93
CSAA	$1,129	$94
State Farm	$1,130	$94
Mercury	$1,173	$98
Progressive	$1,194	$99
Mercury	$1,199	$100
CSAA	$1,224	$102
Allstate	$1,234	$103
Capital Insurance Group	$1,246	$104
Hartford	$1,281	$107
State National	$1,301	$108
Nationwide	$1,305	$109
State Farm	$1,321	$110
Capital Insurance Group	$1,324	$110
Travelers	$1,378	$115
State National	$1,397	$116
Nationwide	$1,417	$118
Travelers	$1,440	$120
Hartford	$1,474	$123
Capital Insurance Group	$1,490	$124
Kemper	$1,510	$126
Farmers	$1,516	$126
Farmers	$1,548	$129
Mercury	$1,552	$129
Travelers	$1,711	$143
State National	$1,725	$144
Chubb	$1,804	$150
Farmers	$1,837	$153
Nationwide	$1,854	$155
Chubb	$1,861	$155
Kemper	$1,863	$155
Hartford	$1,913	$159
Kemper	$2,245	$187
Chubb	$2,653	$221

Collision and comprehensive coverage are both part of a full coverage auto insurance plan.

Collision Insurance: In the event of a collision, this insurance will cover the cost of repairing or replacing your vehicle.
Comprehensive Insurance: Coverage for occurrences other than collisions, such as theft and vandalism, is included in comprehensive insurance.

An older car may not warrant the added cost of full coverage insurance, especially if it is in poor shape and is not worth enough to offset the hundreds of dollars it would cost to upgrade minimum coverage to full coverage.

Cheapest Car Insurance in Santa Clara After a Driving Offense

Here are the auto insurance providers in Santa Clara with the most affordable prices after getting a driving violation on your record:

Speeding ticket: National General ($968 per year)
At-fault accident: National General ($1,367 per year)
DUI: National General ($968 per year)

The companies with the highest auto insurance rates vary according to the specific infraction a driver has. For example, Kemper is the costliest for those with an at-fault accident at $3,344 per year. Meanwhile, Nationwide will charge the highest average rate at $2,451 per year if you have a speeding ticket, and The Hartford has the least affordable rate of $5,379 for a DUI violation.

Insurance premiums can be significantly higher for drivers with tickets, accidents or other infractions on their records — even the cheapest provider will charge more for such customers.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
CSAA	$508	$42
CSAA	$508	$42
CSAA	$515	$43
CSAA	$515	$43
GEICO	$549	$46
GEICO	$555	$46
State Farm	$560	$47
CSAA	$561	$47
CSAA	$561	$47
State Farm	$585	$49
National General	$601	$50
National General	$601	$50
Mercury	$608	$51
National General	$619	$52
National General	$619	$52
Mercury	$623	$52
GEICO	$650	$54
GEICO	$652	$54
GEICO	$656	$55
Capital Insurance Group	$658	$55
Capital Insurance Group	$683	$57
Capital Insurance Group	$696	$58
Capital Insurance Group	$722	$60
State Farm	$740	$62
National General	$741	$62
National General	$741	$62
Mercury	$761	$63
Mercury	$763	$64
Capital Insurance Group	$767	$64
GEICO	$771	$64
State Farm	$773	$64
Mercury	$780	$65
Progressive	$785	$65
Progressive	$787	$66
Kemper	$788	$66
Farmers	$809	$67
Farmers	$809	$67
Capital Insurance Group	$811	$68
Travelers	$818	$68
Travelers	$819	$68
Farmers	$835	$70
Farmers	$835	$70
State National	$842	$70
State National	$842	$70
State Farm	$844	$70
Mercury	$846	$71
National General	$854	$71
Allstate	$857	$71
GEICO	$858	$72
Progressive	$860	$72
Allstate	$861	$72
Progressive	$863	$72
State National	$867	$72
State National	$867	$72
Mercury	$867	$72
GEICO	$868	$72
State Farm	$881	$73
National General	$881	$73
Nationwide	$891	$74
Travelers	$905	$75
Travelers	$906	$75
Hartford	$906	$76
Hartford	$906	$76
Kemper	$911	$76
Progressive	$924	$77
Nationwide	$927	$77
Progressive	$930	$78
Allstate	$934	$78
Progressive	$935	$78
Travelers	$945	$79
Farmers	$949	$79
Farmers	$949	$79
Chubb	$953	$79
Mercury	$955	$80
National General	$968	$81
National General	$968	$81
Chubb	$977	$81
National General	$983	$82
National General	$983	$82
Allstate	$987	$82
Allstate	$991	$83
Nationwide	$991	$83
Farmers	$1,011	$84
GEICO	$1,021	$85
Progressive	$1,027	$86
Nationwide	$1,032	$86
Capital Insurance Group	$1,032	$86
State National	$1,035	$86
State National	$1,035	$86
Farmers	$1,043	$87
Travelers	$1,045	$87
Hartford	$1,051	$88
Hartford	$1,051	$88
National General	$1,057	$88
Mercury	$1,063	$89
Capital Insurance Group	$1,072	$89
Allstate	$1,078	$90
Travelers	$1,094	$91
Travelers	$1,098	$92
Progressive	$1,108	$92
State Farm	$1,153	$96
Chubb	$1,157	$96
National General	$1,176	$98
National General	$1,176	$98
Nationwide	$1,180	$98
Chubb	$1,180	$98
Farmers	$1,185	$99
Kemper	$1,199	$100
Capital Insurance Group	$1,204	$100
Chubb	$1,272	$106
Travelers	$1,272	$106
State Farm	$1,308	$109
Nationwide	$1,316	$110
Kemper	$1,354	$113
Kemper	$1,354	$113
National General	$1,367	$114
State Farm	$1,371	$114
GEICO	$1,379	$115
National General	$1,389	$116
Hartford	$1,390	$116
Hartford	$1,390	$116
CSAA	$1,397	$116
CSAA	$1,415	$118
CSAA	$1,415	$118
CSAA	$1,415	$118
GEICO	$1,425	$119
Capital Insurance Group	$1,426	$119
CSAA	$1,429	$119
CSAA	$1,429	$119
Capital Insurance Group	$1,469	$122
Chubb	$1,476	$123
Chubb	$1,496	$125
Capital Insurance Group	$1,515	$126
Chubb	$1,519	$127
State National	$1,521	$127
State Farm	$1,524	$127
Allstate	$1,538	$128
Mercury	$1,545	$129
CSAA	$1,545	$129
CSAA	$1,546	$129
CSAA	$1,546	$129
GEICO	$1,549	$129
Capital Insurance Group	$1,562	$130
State National	$1,568	$131
Nationwide	$1,575	$131
Mercury	$1,580	$132
GEICO	$1,597	$133
Allstate	$1,610	$134
Nationwide	$1,641	$137
GEICO	$1,642	$137
Kemper	$1,648	$137
Kemper	$1,648	$137
National General	$1,664	$139
State Farm	$1,681	$140
Capital Insurance Group	$1,708	$142
State Farm	$1,739	$145
Allstate	$1,758	$147
State Farm	$1,759	$147
Capital Insurance Group	$1,762	$147
Allstate	$1,769	$147
Allstate	$1,796	$150
Chubb	$1,815	$151
GEICO	$1,843	$154
State National	$1,849	$154
State National	$1,849	$154
Progressive	$1,853	$154
Progressive	$1,871	$156
State National	$1,881	$157
Allstate	$1,903	$159
Hartford	$1,907	$159
Hartford	$1,907	$159
Allstate	$1,929	$161
Mercury	$1,933	$161
State Farm	$1,961	$163
Mercury	$1,978	$165
State National	$1,986	$166
State National	$1,986	$166
Allstate	$2,000	$167
Kemper	$2,009	$167
Progressive	$2,011	$168
Nationwide	$2,022	$168
Progressive	$2,026	$169
Mercury	$2,050	$171
State Farm	$2,054	$171
Kemper	$2,066	$172
Kemper	$2,066	$172
Mercury	$2,070	$173
Travelers	$2,089	$174
Farmers	$2,091	$174
Farmers	$2,091	$174
Nationwide	$2,100	$175
Mercury	$2,113	$176
Farmers	$2,136	$178
Farmers	$2,136	$178
GEICO	$2,172	$181
Hartford	$2,175	$181
Travelers	$2,176	$181
Nationwide	$2,198	$183
Hartford	$2,207	$184
Hartford	$2,207	$184
Capital Insurance Group	$2,228	$186
Allstate	$2,239	$187
GEICO	$2,245	$187
Progressive	$2,249	$187
Nationwide	$2,253	$188
Progressive	$2,275	$190
Progressive	$2,292	$191
Travelers	$2,320	$193
Chubb	$2,364	$197
Capital Insurance Group	$2,370	$198
Travelers	$2,412	$201
Chubb	$2,422	$202
Progressive	$2,440	$203
Nationwide	$2,451	$204
State National	$2,456	$205
State National	$2,456	$205
Kemper	$2,479	$207
Farmers	$2,536	$211
Farmers	$2,536	$211
Hartford	$2,564	$214
Mercury	$2,564	$214
GEICO	$2,589	$216
Farmers	$2,613	$218
Travelers	$2,613	$218
Farmers	$2,670	$222
Capital Insurance Group	$2,675	$223
State Farm	$2,707	$226
Mercury	$2,736	$228
Progressive	$2,763	$230
Nationwide	$2,887	$241
Hartford	$2,891	$241
Hartford	$2,891	$241
Travelers	$2,899	$242
Travelers	$2,900	$242
Chubb	$2,907	$242
Chubb	$2,964	$247
Kemper	$2,992	$249
Travelers	$3,028	$252
Farmers	$3,171	$264
Chubb	$3,215	$268
Nationwide	$3,224	$269
Allstate	$3,334	$278
Kemper	$3,344	$279
Kemper	$3,344	$279
State National	$3,444	$287
State Farm	$3,476	$290
Hartford	$3,477	$290
Allstate	$3,503	$292
Nationwide	$3,585	$299
Travelers	$3,661	$305
State National	$3,706	$309
Chubb	$3,758	$313
Chubb	$3,808	$317
Chubb	$3,866	$322
Nationwide	$3,905	$325
Allstate	$3,924	$327
CSAA	$3,979	$332
CSAA	$4,014	$335
State Farm	$4,056	$338
Kemper	$4,240	$353
Kemper	$4,240	$353
CSAA	$4,360	$363
State National	$4,599	$383
Hartford	$4,606	$384
Chubb	$4,660	$388
Kemper	$4,990	$416
Kemper	$4,990	$416
Nationwide	$5,155	$430
Hartford	$5,379	$448
Hartford	$7,164	$597

More severe offenses tend to cause a higher increase in rates. For example, insurance with an at-fault accident will cost around $399 more per year than insurance with a speeding ticket. Still, there are options available to people seeking the cheapest car insurance with a bad driving record.

Cheapest Car Insurance in Santa Clara for Teens and Their Families

These Santa Clara car insurance providers offer the most competitive rates for family policies that include teenage drivers.

State Farm: $2,573 per year for teen boys and girls
GEICO: $2,732 per year for teen girls
Farmers: $2,808 per year for teen boys

Nationwide charges the highest rates for teen boys and girls at $5,063 per year.

While it isn't reflected in our top rankings, teenage boys typically pay higher rates than teenage girls because they are viewed as a higher risk to insure. For instance, this is the case if you choose GEICO ($2,732 for teen girls, $2,881 for teen boys). However, this difference drops off as teens become young adults.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
GEICO	$1,207	$1,932
GEICO	$1,236	$1,978
GEICO	$1,238	$2,178
GEICO	$1,252	$2,078
GEICO	$1,266	$2,026
GEICO	$1,273	$2,239
GEICO	$1,291	$2,366
GEICO	$1,307	$2,300
GEICO	$1,434	$2,134
Progressive	$1,480	$2,327
Progressive	$1,480	$2,327
GEICO	$1,481	$2,437
Allstate	$1,599	$2,582
Allstate	$1,599	$2,582
Progressive	$1,603	$2,519
Progressive	$1,603	$2,519
Capital Insurance Group	$1,639	$2,102
Capital Insurance Group	$1,639	$2,102
Allstate	$1,674	$2,703
Allstate	$1,674	$2,703
Progressive	$1,715	$3,112
Progressive	$1,715	$3,112
Allstate	$1,717	$3,003
Allstate	$1,717	$3,003
Allstate	$1,734	$2,800
Allstate	$1,734	$2,800
Nationwide	$1,760	$3,648
Nationwide	$1,760	$3,648
State Farm	$1,777	$2,609
State Farm	$1,777	$2,609
Progressive	$1,795	$2,822
Progressive	$1,795	$2,822
Allstate	$1,840	$3,017
Allstate	$1,840	$3,017
GEICO	$1,845	$3,102
State Farm	$1,848	$2,713
State Farm	$1,848	$2,713
Capital Insurance Group	$1,866	$2,490
Capital Insurance Group	$1,866	$2,490
State Farm	$1,880	$2,944
State Farm	$1,880	$2,944
State Farm	$1,891	$2,776
State Farm	$1,891	$2,776
GEICO	$1,918	$3,578
Farmers	$1,923	$2,748
Farmers	$1,923	$2,748
Nationwide	$1,930	$4,000
Nationwide	$1,930	$4,000
Capital Insurance Group	$1,942	$2,490
Capital Insurance Group	$1,942	$2,490
Capital Insurance Group	$1,942	$2,490
Capital Insurance Group	$1,942	$2,490
Kemper	$1,950	$3,939
Kemper	$1,950	$3,939
Nationwide	$1,991	$4,575
Nationwide	$1,991	$4,575
State Farm	$2,014	$3,001
State Farm	$2,014	$3,001
GEICO	$2,018	$3,004
Kemper	$2,060	$4,160
Kemper	$2,060	$4,160
Nationwide	$2,068	$4,288
Nationwide	$2,068	$4,288
Travelers	$2,086	$2,835
Travelers	$2,086	$2,835
GEICO	$2,098	$3,454
Allstate	$2,110	$3,845
Allstate	$2,110	$3,845
Progressive	$2,126	$3,414
Progressive	$2,126	$3,414
State Farm	$2,139	$3,342
State Farm	$2,139	$3,342
Allstate	$2,145	$3,517
Allstate	$2,145	$3,517
Farmers	$2,153	$3,188
Farmers	$2,153	$3,188
State Farm	$2,158	$3,215
State Farm	$2,158	$3,215
Travelers	$2,159	$2,934
Travelers	$2,159	$2,934
Capital Insurance Group	$2,167	$2,801
Capital Insurance Group	$2,167	$2,801
Kemper	$2,168	$4,891
Kemper	$2,168	$4,891
Travelers	$2,203	$3,149
Travelers	$2,203	$3,149
Farmers	$2,230	$3,188
Farmers	$2,230	$3,188
Farmers	$2,230	$3,188
Farmers	$2,230	$3,188
Kemper	$2,240	$4,524
Kemper	$2,240	$4,524
Capital Insurance Group	$2,247	$2,801
Capital Insurance Group	$2,247	$2,801
Travelers	$2,250	$3,058
Travelers	$2,250	$3,058
Nationwide	$2,331	$5,015
Nationwide	$2,331	$5,015
State Farm	$2,377	$4,238
State Farm	$2,377	$4,238
Capital Insurance Group	$2,406	$3,110
Capital Insurance Group	$2,406	$3,110
Farmers	$2,409	$3,655
Farmers	$2,409	$3,655
Travelers	$2,458	$3,305
Travelers	$2,458	$3,305
Kemper	$2,511	$5,186
Kemper	$2,511	$5,186
State Farm	$2,520	$4,493
State Farm	$2,520	$4,493
GEICO	$2,549	$4,486
State Farm	$2,573	$5,034
State Farm	$2,573	$5,034
Farmers	$2,603	$4,209
Farmers	$2,603	$4,209
Farmers	$2,627	$3,987
Farmers	$2,627	$3,987
Progressive	$2,651	$4,831
Progressive	$2,651	$4,831
Travelers	$2,667	$3,814
Travelers	$2,667	$3,814
GEICO	$2,672	$5,215
Travelers	$2,709	$3,642
Travelers	$2,709	$3,642
Kemper	$2,720	$5,617
Kemper	$2,720	$5,617
GEICO	$2,732	$5,009
Farmers	$2,741	$5,424
Farmers	$2,741	$5,424
Kemper	$2,743	$6,193
Kemper	$2,743	$6,193
GEICO	$2,803	$4,933
Farmers	$2,808	$5,673
Farmers	$2,808	$5,673
Allstate	$2,815	$5,529
Allstate	$2,815	$5,529
Farmers	$2,817	$5,574
Farmers	$2,817	$5,574
Progressive	$2,817	$4,523
Progressive	$2,817	$4,523
Nationwide	$2,872	$6,934
Nationwide	$2,872	$6,934
GEICO	$2,881	$5,895
Allstate	$2,916	$5,825
Allstate	$2,916	$5,825
GEICO	$2,950	$5,758
Allstate	$2,966	$5,825
Allstate	$2,966	$5,825
Progressive	$3,060	$6,142
Progressive	$3,060	$6,142
Nationwide	$3,064	$6,593
Nationwide	$3,064	$6,593
Progressive	$3,079	$6,196
Progressive	$3,079	$6,196
Capital Insurance Group	$3,088	$3,849
Capital Insurance Group	$3,088	$3,849
Capital Insurance Group	$3,088	$3,849
Capital Insurance Group	$3,088	$3,849
Capital Insurance Group	$3,088	$3,849
Capital Insurance Group	$3,088	$3,849
Progressive	$3,091	$6,205
Progressive	$3,091	$6,205
Travelers	$3,565	$4,808
Travelers	$3,565	$4,808
Travelers	$3,724	$5,023
Travelers	$3,724	$5,023
Travelers	$3,733	$5,272
Travelers	$3,733	$5,272
Kemper	$4,138	$8,456
Kemper	$4,138	$8,456
Nationwide	$4,363	$9,374
Nationwide	$4,363	$9,374
Kemper	$4,533	$9,263
Kemper	$4,533	$9,263
Kemper	$4,575	$10,326
Kemper	$4,575	$10,326
Nationwide	$4,906	$10,539
Nationwide	$4,906	$10,539
Nationwide	$5,063	$12,720
Nationwide	$5,063	$12,720

Teens pay much more for insurance if they purchase coverage on their own, so it makes sense to include them in the family plan instead. A teen boy in Santa Clara, for instance, would pay roughly $673 more to buy a separate policy than to join the family’s policy. Finding the cheapest auto insurance for teens could save you hundreds of dollars each year.

Cheapest Car Insurance in Santa Clara for Military Drivers

The following are the two cheapest full coverage car insurance providers for military members, veterans and their families in Santa Clara.

USAA: $816 per year
National General: $921 per year

USAA is also the cheapest option for minimum coverage at $354 per year, followed by GEICO at $365.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
USAA	$354	$29
USAA	$354	$29
GEICO	$361	$30
GEICO	$365	$30
State Farm	$368	$31
CSAA	$409	$34
CSAA	$414	$35
USAA	$428	$36
GEICO	$430	$36
Progressive	$443	$37
Progressive	$443	$37
CSAA	$450	$38
Mercury	$474	$40
Mercury	$484	$40
State Farm	$487	$41
Progressive	$521	$43
Travelers	$535	$45
Travelers	$536	$45
State Farm	$556	$46
National General	$569	$47
Nationwide	$576	$48
National General	$586	$49
Kemper	$591	$49
Mercury	$592	$49
State National	$595	$50
Farmers	$596	$50
Capital Insurance Group	$597	$50
Nationwide	$599	$50
Travelers	$612	$51
State National	$612	$51
Farmers	$614	$51
Allstate	$618	$52
Capital Insurance Group	$619	$52
Allstate	$620	$52
Hartford	$626	$52
Allstate	$668	$56
Kemper	$682	$57
Capital Insurance Group	$692	$58
Farmers	$697	$58
National General	$701	$58
Hartford	$718	$60
State National	$727	$61
Chubb	$743	$62
Nationwide	$759	$63
Chubb	$765	$64
USAA	$796	$66
USAA	$816	$68
State Farm	$881	$73
Kemper	$897	$75
National General	$921	$77
GEICO	$921	$77
Hartford	$930	$78
National General	$936	$78
GEICO	$952	$79
USAA	$975	$81
Progressive	$989	$82
Progressive	$998	$83
Chubb	$1,061	$88
Allstate	$1,063	$89
GEICO	$1,097	$91
Allstate	$1,111	$93
National General	$1,119	$93
CSAA	$1,120	$93
CSAA	$1,129	$94
State Farm	$1,130	$94
Mercury	$1,173	$98
Progressive	$1,194	$99
Mercury	$1,199	$100
CSAA	$1,224	$102
Allstate	$1,234	$103
Capital Insurance Group	$1,246	$104
Hartford	$1,281	$107
State National	$1,301	$108
Nationwide	$1,305	$109
State Farm	$1,321	$110
Capital Insurance Group	$1,324	$110
Travelers	$1,378	$115
State National	$1,397	$116
Nationwide	$1,417	$118
Travelers	$1,440	$120
Hartford	$1,474	$123
Capital Insurance Group	$1,490	$124
Kemper	$1,510	$126
Farmers	$1,516	$126
Farmers	$1,548	$129
Mercury	$1,552	$129
Travelers	$1,711	$143
State National	$1,725	$144
Chubb	$1,804	$150
Farmers	$1,837	$153
Nationwide	$1,854	$155
Chubb	$1,861	$155
Kemper	$1,863	$155
Hartford	$1,913	$159
Kemper	$2,245	$187
Chubb	$2,653	$221

How to Compare Cheap Santa Clara Car Insurance Quotes Online

A single online car insurance quote in Satna Clara, California, can take up to 15 minutes to obtain, and you have to fill out a lot of personal information. Fortunately, the MoneyGeek car insurance calculator can quickly provide you with a rough quote estimate based on your basic profile details, such as age, coverage level needed, vehicle type and driving record.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

Best Car Insurance in Santa Clara: Summary

Which auto insurance company you prefer in Santa Clara will depend on your priorities in terms of cost, coverage levels and other considerations. Our top choices across several categories are listed below.

Best overall: GEICO (MoneyGeek score 74 out of 100)
Best for service: Chubb (MoneyGeek score 76 out of 100)
Best cheap: GEICO (MoneyGeek score 78 out of 100)

The MoneyGeek score for a company as a whole may change based on the weighted value of the various factors considered.

On a statewide basis, CSAA is the best provider of car insurance in California. The best option for military policyholders is USAA due to its military-specific policies and 85 out of 100 MG score, which is the highest in this category.

Best Overall Car Insurance in Santa Clara

After careful consideration of all the important characteristics of auto insurers, we determined that these are the two best full coverage auto insurers in Santa Clara:

GEICO: MoneyGeek score 74 out of 100 ($952 per year)
Progressive: MoneyGeek score 72 out of 100 ($998 per year)

In addition to competitive rates, GEICO also provides strong customer service, making it our top pick in this category.

USAA, with a MoneyGeek score of 85, is a great choice for people with military affiliation, such as active-duty personnel, veterans and their eligible family members.

How was this MoneyGeek score calculated?

pros

Ranked #2 for affordability

Ranked #4 for customer service

Offers Mechanical Breakdown Insurance and classic car insurance

cons

Ranked #9 for claims handling

No new car replacement or deductible modification coverage

COMPANY HIGHLIGHTS

With competitive rates and reliable service, GEICO stands out as the top car insurer in Santa Clara. And although its competitors may provide more types of coverage, GEICO distinguishes itself through its selection of uncommon and rare coverages.

Mechanical Breakdown Insurance (MBI) is one such coverage and it covers vehicles under 15 months old with less than 15,000 miles that have been purchased or leased. All systems and components are protected at a lower cost than a dealer’s extended warranty. Another rare coverage, classic car insurance, may include medical coverage, liability protection and uninsured/underinsured motorist protection for eligible vintage or classic vehicles.

Meanwhile, GEICO's rental car reimbursement coverage will pay up to a set amount for a rental car if your vehicle is undrivable for over 24 hours due to a covered accident.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Santa Clara for Customer Service

Once we removed affordability from our evaluation, the following car insurance providers stood out as the best auto insurers in Santa Clara in terms of customer service.

Chubb: MoneyGeek score 76 out of 100 ($1,804 per year)
Capital Insurance Group: MoneyGeek score 68 out of 100 ($1,324 per year)

Customers pay more for Chubb because of the company's excellent claims processing and customer support. However, as far as premiums go, it's the priciest option in the city.

How was this MoneyGeek score calculated?

pros

Excellent customer service and claims management

Offers Original Equipment Manufacturer (OEM) and diminished value coverages

cons

Most expensive provider in Santa Clara

Doesn’t offer roadside assistance or gap insurance

COMPANY HIGHLIGHTS

Overall, the range of coverages offered by Chubb leaves something to be desired. Although it lacks some common basic coverages, it makes up for it by offering a couple of unique benefits.

For instance, with its Original Equipment Manufacturer (OEM) coverage, Chubb will cover the expense of using original parts — not aftermarket or third-party parts — to restore your vehicle to its pre-accident condition.

In addition, with Chubb’s diminished value coverage, you and the insurer agree upon the value of your car when the policy is written. If your vehicle is totaled or stolen, Chubb will pay you the agreed-upon amount rather than the car’s actual depreciated value.

Chubb also offers rental car reimbursement coverage, which allows you to rent an automobile that is identical to your own.

Best Cheap Car Insurance in Santa Clara

These are the best insurance companies in Santa Clara regarding costs and service standards for policies that only satisfy California's minimum coverage requirements:

GEICO: MoneyGeek score 78 out of 100 ($365 per year)
Progressive: MoneyGeek score 69 out of 100 ($443 per year)

In Santa Clara, the cheapest minimum coverage plans typically offer the least liability protection and do not cover the costs of damage to your own car should an accident occur.

How was this MoneyGeek score calculated?

pros

An affordable minimum coverage policy costs $365 per year

Offers discounts for multiple cars, anti-theft systems and electronic tracking devices

Ranked #4 of 14 insurers for customer satisfaction

cons

Doesn’t offer paperless and pay-in-full discounts

Ranked #9 for claims management

COMPANY HIGHLIGHTS

GEICO offers affordable insurance policies and solid customer support. It's inexpensive, to begin with, and it also provides a number of common and uncommon discounts to lower its premiums.

By bundling auto insurance with home, renters, mobile or condo insurance, you can reduce your premium. In addition, GEICO provides discounts if you have two or more vehicles insured, haven't been in an accident for at least five years or have a student on your policy who maintains excellent grades.

GEICO also provides uncommon and rare saving opportunities. For instance, you can reduce your monthly premium by always wearing your seatbelt. If you are in the military, you might get a discount if you’re deployed in an emergency.

Federal employees, teachers, military personnel and members of partner fraternities, sororities, alumni groups and professional organizations are also eligible for discounts.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Santa Clara

Santa Clara residents pay an average cost of $1,289, which is $98 less than the average cost of car insurance in California as of October 2022. However, location is just one of a number of variables that affect the price of auto insurance.

These premiums are for full coverage insurance with liability limits of $100,000 for bodily injury liability per person, $300,000 for bodily injury liability per accident and $100,000 for property damage liability.

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

Cheapest and Best Car Insurance Companies in Santa Clara, CA

On This Page:

Cheapest Minimum Liability Car Insurance in Santa Clara

Cheapest Full Coverage Car Insurance in Santa Clara

Cheapest Car Insurance in Santa Clara After a Driving Offense

Cheapest Car Insurance in Santa Clara for Teens and Their Families

Cheapest Car Insurance in Santa Clara for Military Drivers

How to Compare Cheap Santa Clara Car Insurance Quotes Online

Best Car Insurance in Santa Clara: Summary

Best Overall Car Insurance in Santa Clara

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Santa Clara for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Santa Clara

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Santa Clara