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.
Compare the Cheapest Car Insurance Quotes in Santa Clarita, CA
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
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.
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.
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:
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
- 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
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
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.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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 CodeState Minimumper year
Top Agents Offering Affordable Car Insurance in Santa Clarita
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.
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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