Cheapest and Best Car Insurance in Santa Clara, CA (July 2024)


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Updated: July 12, 2024

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Finding the right coverage in Santa Clara is influenced by your coverage preferences and personal driving profile. For full coverage, Progressive is the cheapest, whereas GEICO is the least expensive for minimum coverage. State Farm offers the best rates for families with teen drivers.

Chubb is best for customer service, but Capital Insurance Group is the best overall for balancing cost and service. Your choice ideally incorporates your coverage needs and service expectations.

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2024

Cheapest and Best Car Insurance in Santa Clara

Why Trust MoneyGeek? We analyzed 352,910 quotes in California, including the city of Santa Clara, from 18 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Santa Clara insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Santa Clara, CA as of July 2024.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Coverage Car Insurance in Santa Clara

GEICO is the most affordable option in Santa Clara for minimum coverage car insurance.

  • GEICO: $412 per year
  • Mercury: $413 per year

The most expensive minimum coverage policy in Santa City is offered by Chubb, with an annual premium of $743. That's a $331 more than GEICO, highlighting why consumers should compare rates to find the cheapest car insurance.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$412Monthly Premium$34
MercuryAnnual Premium$413Monthly Premium$34
CSAAAnnual Premium$424Monthly Premium$35
ProgressiveAnnual Premium$442Monthly Premium$37
Capital Insurance GroupAnnual Premium$543Monthly Premium$45
National GeneralAnnual Premium$553Monthly Premium$46
FarmersAnnual Premium$554Monthly Premium$46
State FarmAnnual Premium$562Monthly Premium$47

State Minimum Liability Requirements

For drivers across California, state law dictates the minimum car insurance coverage required. Here's the breakdown:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

For instance, if you hold a minimum coverage policy and are at fault in an accident, the policy would cover up to $15,000 for an individual's injury and a total of $30,000 for injuries to all persons affected. Should costs exceed these amounts, you'd be responsible for the remaining expenses out of pocket.

Cheapest Full Coverage Car Insurance in Santa Clara

Progressive is the cheapest full coverage car insurance option in Santa Clara.

  • Progressive: $1,022 per year
  • GEICO: $1,083 per year

Farmers offers the most expensive full coverage policy in Santa Clara, with an annual rate that is $928 higher than Progressive. This considerable gap highlights the importance of comparing rates for full coverage car insurance, which generally costs more than minimum coverage due to the broader protection it provides, such as collision and comprehensive coverage.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,022Monthly Premium$85
GEICOAnnual Premium$1,083Monthly Premium$90
National GeneralAnnual Premium$1,100Monthly Premium$92
MercuryAnnual Premium$1,117Monthly Premium$93
AllstateAnnual Premium$1,142Monthly Premium$95
CSAAAnnual Premium$1,275Monthly Premium$106
Capital Insurance GroupAnnual Premium$1,317Monthly Premium$110
State NationalAnnual Premium$1,397Monthly Premium$116

Do You Need Full Coverage in California?

A full coverage policy in Santa Clara includes coverage for damage to your own vehicle in the form of comprehensive and collision coverages. It usually also includes increased liability limits.

  • Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

If you have a new vehicle, it's wise to opt for full coverage insurance for more robust financial protection. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.

On the other hand, owners of older vehicles may find that the extra cost — which can amount to several hundred dollars more per year — is not justified by the value of the vehicle. When deciding how much car insurance coverage you need, consider your ideal balance: more extensive coverage comes with higher premiums, but getting less coverage means you may pay more out of pocket if you need to file a claim.

Cheapest Car Insurance in Santa Clara After a Driving Offense

National General is the cheapest option in Santa Clara for drivers with a variety of offenses. Below are the cheapest providers for each specific offense:

  • Speeding ticket: National General ($1,154 per year)
  • At-fault accident: Capital Insurance Group ($1,557 per year)
  • DUI: National General ($1,154 per year)

Among these companies, Hartford has some of the most expensive rates for each offense, with a particularly significant jump for a DUI at $5,298 per year. This highlights the variance car insurance rates can have based on the severity of the violation.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$1,154Monthly Premium$96
MercuryAnnual Premium$1,473Monthly Premium$123
Capital Insurance GroupAnnual Premium$1,515Monthly Premium$126
GEICOAnnual Premium$1,606Monthly Premium$134
CSAAAnnual Premium$1,612Monthly Premium$134
AllstateAnnual Premium$1,653Monthly Premium$138
ProgressiveAnnual Premium$1,917Monthly Premium$160
State NationalAnnual Premium$1,986Monthly Premium$166

In Santa Clara, as in many cities, insurance premiums typically escalate with the severity of a driving offense. For example, drivers with a speeding ticket might expect to pay an average annual premium of approximately $2,006, while those with a DUI offense could be looking at nearly $3,398.

This difference highlights the significance for individuals with driving infractions to diligently compare insurance rates to identify potential savings and obtain the most cost-effective coverage.

Cheapest Car Insurance in Santa Clara for Teens and Their Families

In Santa Clara, State Farm offers the cheapest car insurance for teens. Here are the two most cost-effective providers:

  • State Farm: $2,573 per year for female and male teens
  • GEICO: $2,732 per year for female teens and $2,881 per year for male teens

These rates reflect the combined annual premium for a policy that comprises two parents and a teen driver.

Nationwide is the priciest option for teen family policies in Santa Clara, with the annual premium for a female teen being $5,063. This highlights a substantial savings opportunity of $2,490 when comparing State Farm to Nationwide. Such a significant difference underscores the importance of comparing insurance rates, especially when adding high-risk drivers like teenagers to your policy.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
State FarmFamily Plan Annual Premium$2,573Individual Plan Monthly Premium$2,849
GEICOFamily Plan Annual Premium$2,732Individual Plan Monthly Premium$3,085
FarmersFamily Plan Annual Premium$2,808Individual Plan Monthly Premium$4,140
AllstateFamily Plan Annual Premium$2,916Individual Plan Monthly Premium$3,141
ProgressiveFamily Plan Annual Premium$3,079Individual Plan Monthly Premium$3,383
Capital Insurance GroupFamily Plan Annual Premium$3,088Individual Plan Monthly Premium$3,016
TravelersFamily Plan Annual Premium$3,733Individual Plan Monthly Premium$3,375
KemperFamily Plan Annual Premium$4,575Individual Plan Monthly Premium$6,108

In Santa Clara and throughout the United States, the disparity in car insurance premiums for teens is considerable, especially when comparing individual policies to those bundled with a family plan. On average, an individual teenage driver might face an annual premium of roughly $4,092, while being added to a family plan could significantly reduce the rate to about $3,413. This difference often stems from insurance providers considering teens' lack of driving experience and higher risk factors, leading to increased individual policy rates.

Consequently, it is not just a matter of cost but also of accessibility because teens may struggle to secure an individual policy due to these perceived risks. For families, the prudent financial move is clear: adding a teen driver to the family insurance plan can result in considerable savings while still providing necessary coverage.

Cheapest Car Insurance in Santa Clara for Military Drivers

In Santa Clara, Progressive offers the cheapest car insurance for military backgrounds. The two most affordable providers are:

  • Progressive: $1,022 per year
  • GEICO: $1,083 per year

Although not the cheapest, USAA is also a competitive option, ranking at $1,156 per year. USAA is renowned for its tailored service to active duty military members.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,022Monthly Premium$85
GEICOAnnual Premium$1,083Monthly Premium$90
National GeneralAnnual Premium$1,100Monthly Premium$92
MercuryAnnual Premium$1,117Monthly Premium$93
AllstateAnnual Premium$1,142Monthly Premium$95
USAAAnnual Premium$1,156Monthly Premium$96
CSAAAnnual Premium$1,275Monthly Premium$106
Capital Insurance GroupAnnual Premium$1,317Monthly Premium$110

How to Compare Cheap Santa Clara Car Insurance Quotes Online

In Santa Clara, comparing car insurance rates is a key strategy for cost savings. However, the process is often cumbersome, potentially requiring over an hour to examine rates from three or more companies.

MoneyGeek's car insurance calculator can help you streamline this process. By inputting details like age, driving history, credit score and preferred coverage, you can instantly receive rate estimates.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jul 12, 2024

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Best Car Insurance in Santa Clara: Overview

Choosing the best auto insurance depends on how you prioritize factors like service, cost, coverage and other variables. MoneyGeek's unique scoring system evaluates carriers in Santa Clara across these aspects to guide your decision:

  • Best overall: Capital Insurance Group (MoneyGeek score 82 out of 100)
  • Best for service: Chubb (MoneyGeek score 94 out of 100)
  • Best cheap: Mercury (MoneyGeek score 82 out of 100)

With different victors in each category, the recommendations cater to varied preferences. Mercury may appeal to budget-focused drivers who still expect decent service. Chubb stands out for consumers seeking premier customer service, irrespective of cost. Capital Insurance Group offers a strong mix, providing balanced service and affordability, making it the top choice for those who desire overall value.

Overall Best Car Insurance in Santa Clara

In Santa Clara, Capital Insurance Group offers the best comprehensive car insurance policy.

  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,317 per year)
  • Chubb: MoneyGeek score of 79 out of 100 ($1,804 per year)

Capital Insurance Group stands out largely due to its high satisfaction and affordability. This score reflects a full coverage policy, ensuring comprehensive protection for Santa Clara drivers.

Company logo for Capital Insurance Group
Best OverallCapital Insurance Group
MoneyGeek Score:
82/ of 100

Overview

Capital Insurance Group has high customer satisfaction and claims handling scores. It offers Rental Car and/or Travel Reimbursement and Roadside Assistance. Another standout feature is Roadside Assistance, a common coverage that offers peace of mind in case of vehicle breakdowns.

Capital Insurance Group provides value with Custom Parts Coverage, a boon for those with customized vehicles, giving them confidence in the event of repairs. This policy ensures that you always receive name brand parts, maintaining the integrity and performance of your vehicle.

Best Car Insurance in Santa Clara for Customer Service

Chubb offers exceptional car insurance focusing on customer service. Its MoneyGeek score signifies excellence in overall satisfaction, claims handling and coverage options, independent of rate consideration.

  • Chubb: MoneyGeek score of 94 out of 100 ($1,804 per year)
  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,317 per year)

Chubb distinguishes itself as the premier choice with its unparalleled claims handling and comprehensive coverages. With attention to such critical aspects of car insurance, Chubb stands out for providing customers with superior service and peace of mind.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
94/ of 100

Overview

Chubb scores highly in customer satisfaction and claims handling. The company provides Rental Car and/or Travel Reimbursement. Chubb also offers Antique/Classic Car Insurance and Diminished Value Coverage.

The availability of OEM Coverage, ideal for ensuring repairs with original manufacturer parts, is especially noteworthy for vehicle owners concerned about maintaining authenticity and value.

Best Cheap Car Insurance in Santa Clara

Mercury offers the best cheap car insurance in Santa Clara, striking an optimal balance between affordability and customer satisfaction. Here’s how the top companies rank:

  • Mercury: MoneyGeek score of 82 out of 100 ($413 per year)
  • Capital Insurance Group: MoneyGeek score of 78 out of 100 ($543 per year)

Mercury stands out not only for its competitive pricing but also for its solid performance in customer satisfaction and claims handling, major factors contributing to its high MoneyGeek score for minimum coverage policies.

Company logo for Mercury
Best Cheap CompanyMercury
MoneyGeek Score:
82/ of 100

Overview

Mercury's average annual premium for minimum coverage is a $413, highlighting the minimal financial burden on the average driver. Mercury has a comprehensive range of discounts, including Bundling, Good Student, Multiple Car and Safe Driving. This diversity in discount offerings underscores its commitment to providing value to customers.

Particularly useful are the reasonably rare discounts like Pay in Full, encouraging policyholders to manage their finances efficiently by rewarding upfront annual payments. Additionally, the Paperless discount leverages digital convenience and fosters environmental responsibility, offering savings for opting into electronic documentation and signatures.

Average Cost of Car Insurance in Santa Clara

In Santa Clara, California, the average cost of car insurance is currently $1,562 per month, identical to California's overall average. However, when evaluated against the national average car insurance rate of $1,781, Californians pay $219 less.

Location is a decisive factor influencing car insurance rates, impacting premiums due to variables such as accident rates, vehicle thefts and the cost of living. For example, in Glendale, the city with the highest car insurance premium, policyholders pay an average of $2,115 — a contrast to the $1,106 premium in Santa Maria, which is the cheapest. This demonstrates a difference of $1,009 within the same state.

In less urbanized regions with reduced traffic congestion, insurance rates may drop even further, underscoring the significance of location in determining car insurance costs.

AnaheimAnnual Premium$1,632
AntiochAnnual Premium$1,573
ArdenAnnual Premium$1,592
BakersfieldAnnual Premium$1,394
BerkeleyAnnual Premium$1,489
BurbankAnnual Premium$1,968
CarlsbadAnnual Premium$1,364
Chula VistaAnnual Premium$1,331
ClovisAnnual Premium$1,395
ConcordAnnual Premium$1,473
CoronaAnnual Premium$1,525
Costa MesaAnnual Premium$1,501
Daly CityAnnual Premium$1,712
DowneyAnnual Premium$1,749
East Los AngelesAnnual Premium$1,800
El CajonAnnual Premium$1,438
El MonteAnnual Premium$1,784
Elk GroveAnnual Premium$1,535
EscondidoAnnual Premium$1,382
FairfieldAnnual Premium$1,392
FontanaAnnual Premium$1,565
FremontAnnual Premium$1,446
FresnoAnnual Premium$1,442
FullertonAnnual Premium$1,661
Garden GroveAnnual Premium$1,679
GlendaleAnnual Premium$2,433
HaywardAnnual Premium$1,549
Huntington BeachAnnual Premium$1,523
InglewoodAnnual Premium$1,963
IrvineAnnual Premium$1,585
Jurupa ValleyAnnual Premium$1,507
LancasterAnnual Premium$1,670
Long BeachAnnual Premium$1,685
Los AngelesAnnual Premium$2,138
ModestoAnnual Premium$1,577
Moreno ValleyAnnual Premium$1,546
MurrietaAnnual Premium$1,415
NorwalkAnnual Premium$1,661
OaklandAnnual Premium$1,657
OceansideAnnual Premium$1,396
OntarioAnnual Premium$1,565
OrangeAnnual Premium$1,462
OxnardAnnual Premium$1,436
PalmdaleAnnual Premium$1,722
PasadenaAnnual Premium$1,798
PomonaAnnual Premium$1,630
Rancho CucamongaAnnual Premium$1,503
RialtoAnnual Premium$1,577
RichmondAnnual Premium$1,562
RiversideAnnual Premium$1,543
RosevilleAnnual Premium$1,458
SacramentoAnnual Premium$1,494
SalinasAnnual Premium$1,346
San BernardinoAnnual Premium$1,567
San DiegoAnnual Premium$1,349
San FranciscoAnnual Premium$1,670
San JoseAnnual Premium$1,429
San MateoAnnual Premium$1,385
Santa AnaAnnual Premium$1,577
Santa ClaraAnnual Premium$1,420
Santa ClaritaAnnual Premium$1,634
Santa MariaAnnual Premium$1,251
Santa RosaAnnual Premium$1,479
Simi ValleyAnnual Premium$1,528
StocktonAnnual Premium$1,594
SunnyvaleAnnual Premium$1,413
TemeculaAnnual Premium$1,432
Thousand OaksAnnual Premium$1,589
TorranceAnnual Premium$1,518
VallejoAnnual Premium$1,547
VenturaAnnual Premium$1,341
VictorvilleAnnual Premium$1,598
VisaliaAnnual Premium$1,333
VistaAnnual Premium$1,355
West CovinaAnnual Premium$1,667

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.