bestauto insuranceSanta ClaritaCompare the Cheapest Car Insurance Quotes in Santa Clarita, CA
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Esurance averages the cheapest car insurance rates in Santa Clarita; it’s also cheapest for drivers with a ticket. For minimum coverage, GEICO is the most affordable. For military backgrounds, USAA is an inexpensive choice. MoneyGeek found AAA is the best for its balance of quality coverage and affordability in Santa Clarita. The best for you depends on coverage and profile.
bestauto insuranceSanta ClaritaThe Cheapest and Best Car Insurance in Santa Clarita
Cheapest Overall - Esurance
Cheapest State Minimum - USAA
Cheapest With a Driving Violation - Esurance
Best Overall - AAA
The Cheapest Car Insurance Companies in Santa Clarita
In Santa Clarita, the cheapest insurance companies for a full coverage policy, on average, are:
- Esurance: $1,115 per year
- AAA: $1,254 per year
USAA costs around $1,210 yearly, but you can only apply for this policy if you have a military background.
Farmers is the most expensive option for full coverage in Santa Clarita at roughly $1,759 yearly — $644 more than Esurance, the cheapest option.
A full coverage policy offers the best protection since it includes both comprehensive and collision insurance. Rates do vary depending on the liability limits purchased.
Cheapest Car Insurance in Santa Clarita
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$1,115
- 2.$1,210
- 3.$1,254
- 4.$1,320
- 5.$1,333
MoneyGeek obtained quotes for a 40-year-old male driver in Santa Clarita with a full coverage policy, as our methodology explains.
A full coverage policy in Santa Clarita costs more than minimum coverage but offers protection if your vehicle is damaged. The coverages included in your full coverage policy, in addition to liability, are:
- Comprehensive insurance: covers non-collision damage or theft to your car.
- Collision insurance: covers damage to your car resulting from a collision.
Liability-only insurance may be a better option for drivers looking for the cheapest rates and for those with older cars where a full coverage policy may cost more than the car is worth.
Compare Car Insurance Rates in Santa Clarita
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Santa Clarita for Minimum Coverage
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.
Cheapest Minimum Liability Car Insurance in Santa Clarita
State Minimum
- CompanyState Minimumper year
- 1.$513
- 2.$571
- 3.$590
- 4.$596
- 5.$611
A state minimum policy is the minimum liability insurance required by California, 15/30/5 plus uninsured motorist. It offers limited protection and may mean higher out-of-pocket costs in case of an accident.
For example, in Santa Clarita, your state minimum liability policy has a limit of $5,000 for property damage. If you cause an accident where the property damage is $10,000, you must pay the difference of $5,000.
California Minimum Liability Requirements
- ItemDescription
- 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.
Cheapest Car Insurance in Santa Clarita if You Have Driving Violations
DUIs, tickets, and at-fault accidents mean higher car insurance costs. If you have a driving violation, the cheapest car insurers in Santa Clarita are:
- Cheapest after a ticket: Esurance, $1,413 average per year
- Cheapest after an at-fault accident: Esurance, $1,756 average per year
- Cheapest after a DUI: Mercury, $2,277 average per year
For those with military backgrounds, USAA is cheapest with a ticket at an annual cost of roughly $1,322.
Improving your driving record over time is the best way to get cheaper car insurance rates. For now, shop around and compare quotes to find the best rates after a driving violation.
Cheapest Car Insurance in Santa Clarita With a Violation
Speeding Ticket
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.
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.
Compare Car Insurance Rates in Santa Clarita
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Santa Clarita
MoneyGeek analyzed data on average rates, claims ratings and user satisfaction across insurers in Santa Clarita. We ranked them based on their scores to find the best car insurance company in Santa Clarita. The companies that received the best MoneyGeek scores are:
- Esurance: MoneyGeek score of 91 out of 100
- AAA: MoneyGeek score of 89 out of 100
We did not include USAA in ranking the best companies in Santa Clarita. Nevertheless, it’s the best car insurance company in California for active members of the military as well as veterans. It received a MoneyGeek score of 92 out of 100.
1
Esurance
Score:91
Esurance received high scores in affordability and satisfaction but scored lower in claims. In Santa Clarita, the average annual premium for a 40-year-old driver is $1,115. Drivers can add custom parts coverage to their policy.
More About Esurance
The custom parts coverage offered by Esurance is rarely present in other insurance companies in Santa Clarita. It can be added to your policy so you can protect your car's upgrades.
Some drivers love to customize their cars, adding new and improved parts, systems and features. Unfortunately, these after-market upgrades may not be covered by your regular collision and comprehensive coverage.
With this coverage, any damage that can happen to the parts that were not factory-installed may be reimbursed or replaced. The custom parts coverage can cover after-market upgrades for up to $4,000, depending on how much coverage you purchase.
Read MoneyGeek's Esurance auto Insurance Review2
AAA
Score:89
AAA received a perfect rating for claims and scored highly in affordability and satisfaction. Its average annual premium for 40-year-old drivers in Santa Clara is $1,254. A unique coverage that it offers is identity theft coverage.
More About AAA
Identity theft coverage is useful and important. AAA’s identity theft coverage in Santa Clarita gives you assistance in ensuring that your identity is safe and in assisting you in case you become a victim of identity theft.
The standard identity theft coverage is automatically included with your AAA membership. However, if you want upgraded protections, you can pay a little extra and enjoy the benefits.
The standard identity theft coverage includes credit monitoring, lost wallet protection, fraud resolution support and more. Premier members can have identity theft insurance of as much as $10,000 to take care of their expenses during an identity theft case.
Read MoneyGeek's AAA auto Insurance Review3
GEICO
Score:81
4
State Farm
Score:72
5
Mercury
Score:71
6
Allstate
Score:66
7
Progressive
Score:65
8
MetLife
Score:61
9
Travelers
Score:52
10
Farmers
Score:36
11
Hartford
Score:33
12
Allied
Score:26
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
- 91350$1,456
- 91390$1,478
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.
About Mark Fitzpatrick
