Compare the Cheapest Car Insurance Quotes in Santa Clarita, CA

The annual premium for an average driver in Santa Clarita typically costs $1,467 per year, higher than the state average. The company with the cheapest average rate is Esurance at $1,115. MoneyGeek evaluated rates by coverage amount and driving history. For drivers focused on both cost and quality, MoneyGeek recommended the best carriers in the city.

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The Cheapest and Best Car Insurance in Santa Clarita

The Cheapest Car Insurance Companies in Santa Clarita

Among the auto insurers in Santa Clarita, the cheapest options for full coverage are:

  • Esurance: $1,115 yearly
  • USAA: $1,210 yearly (only available to current and former military members)

The company with the most reasonable car insurance rates in Santa Clarita is Esurance. Their coverage is 57.8% cheaper on average than Farmers, which is the city’s most expensive auto insurance provider.

MoneyGeek used a sample driver profile, who is a 40-year-old male driver with a full coverage policy. It includes both liability insurance and comprehensive and collision insurance.

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Average Cost of Car Insurance in Santa Clarita

Santa Clarita$1,467
California$1,429
U.S.$1,424

In Santa Clarita, the average yearly cost of car insurance is $1,467, which is higher than both the California and U.S. averages. The typical Santa Clarita rate is 2.7% higher than the state average of $1,429 and 3% higher than the national average of $1,424.

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The Best Car Insurance Companies in Santa Clarita

MoneyGeek ranked auto insurance companies in Santa Clarita to find the best carriers based on affordability and quality of service. The companies with the top scores for most drivers are:

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

USAA received the highest score in Santa Clarita by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

MoneyGeek’s scoring system is based on various factors, which include J.D. Power user satisfaction, affordability and financial stability.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:88

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:88

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:83

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:83

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Personalized Quotes to Get You the Cheapest Car Insurance in Santa Clarita

Auto insurance firms evaluate a range of factors to calculate car insurance quotes in Santa Clarita, including your age and gender, car make and model, marital status and more. For instance, consider State Farm in Santa Clarita. Its typical coverage rate for an 18-year-old male driver is nearly double the average cost of a similar policy for 40-year-old male customers. We advise you to regularly get a customized quote that factors in your changing situations to find affordable coverage.

Shopping around for car insurance in Santa Clarita could save you $352, which is enough to buy:


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117Cups of Coffee
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27Months of Your Favorite Streaming Service

Cheapest Car Insurance in Santa Clarita by Coverage Amount

In Santa Clarita and elsewhere, your auto insurance prices will be impacted by how much coverage you buy. A standard policy that only meets state minimums in Santa Clarita costs $717 annually. Meanwhile, a full coverage policy costs an average of $1,467, which is $750 more.

California Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.

In Santa Clarita, Esurance offers both liability-only and full-coverage packages within 50/100/50 limits. These plans pay for $50,000 in medical bills per person, totaling $100,000 per vehicle, along with $50,000 in property damage repair. A full-coverage plan will also pay for your own costs if you cause an accident. Esurance’s 50/100/50 full-coverage policy costs $290 more on average than the liability-only package, but the extra amount may be worth the investment as you gain additional benefits.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Santa Clarita if You Have Driving Violations

A big advantage of safe driving is lower car insurance premiums. This is because driving violations on your record raise your auto insurance cost. For instance, Esurance customers in Santa Clarita with a speeding ticket need to pay approximately $298 more annually for their coverage. Likewise, those with a DUI on their record need to shell out a whopping $1,667 more on average per year for their policy compared to clean drivers.

Average Cost of Car Insurance by Postal Code

Your neighborhood in Santa Clarita also has an impact on your auto insurance cost. This is because ZIP codes with higher numbers of car thefts, accidents and uninsured drivers are considered riskier and more expensive to insure. In Santa Clarita, residents of the 91350 ZIP code need to pay $21 less on average in annual car insurance premiums compared to ZIP code 91390.

  • Zip Code
    State Minimumper year
  • 91350
    $1,456
  • 91390
    $1,478
iconribbontop ratedCar Insurance agentsSanta Clarita2021

Top Agents Offering Affordable Car Insurance in Santa Clarita

1. Dynamite Insurance Brokerage22924 Lyons Ave, Ste 207, Santa Clarita, CA, 91321
25 ratings
2. Reliable Insurance Services22943 Soledad Canyon Rd, Santa Clarita, CA, 91350
12 ratings
3. Carlos Villalobos Insurance Agency Inc.25001 The Old Rd, Santa Clarita, CA, 91381
6 ratings
4. Brian Stephens - State Farm Insurance Agent18560 Vía Princessa, Ste 215, Santa Clarita, CA, 91387
5 ratings
5. Crystal Gonzales - D&S Gonzales Insurance Services26893 Bouquet Canyon Rd C-169, Santa Clarita, CA, 91350
5 ratings

Factors That Impact Insurance Costs in Santa Clarita

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Santa Clarita. How Santa Clarita ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities262nd/300
handcuffs2 icon
Most Car Thefts210th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall247th/300
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Most Rainy Days260th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Santa Clarita are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.