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Cheapest and Best Car Insurance Companies in Santa Clara, CA


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Updated: Sep 26, 2023
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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.

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2023

Cheapest and Best Car Insurance in Santa Clara, CA

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.

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.

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.

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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.

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.

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.

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.

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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?

GEICO

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?

Chubb

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?

GEICO

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 headshot

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.