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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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 5/16/2022
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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.

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The Cheapest and Best Car Insurance in Santa Clarita

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
  • Company
    100/300/100per year
  • 1.
    Esurance
    $1,115
  • 2.
    USAA
    $1,210
  • 3.
    AAA
    $1,254
  • 4.
    Progressive
    $1,320
  • 5.
    GEICO
    $1,333
  • 6.
    Allstate
    $1,356
  • 7.
    Mercury
    $1,393
  • 8.
    State Farm
    $1,478
  • 9.
    MetLife
    $1,482
  • 10.
    Hartford
    $1,639
  • 11.
    Allied
    $1,731
  • 12.
    Travelers
    $1,746
  • 13.
    Farmers
    $1,759

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.

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Insurance Rates

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

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

  • 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.

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.

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Insurance Rates

The Best Car Insurance Companies in Santa Clarita

MoneyGeek ranked auto insurance companies in Santa Clarita to find the best providers based on affordability and quality of service. The highest scoring insurance companies in Santa Clarita are:

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

USAA ranked highest overall and is the best option if you are from an eligible military family.

MoneyGeek’s scoring system is based on J.D. Power user satisfaction ratings, affordability scores and financial stability ratings.


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:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

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:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

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:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

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

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

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
rain icon
Most Annual Rainfall247th/300
umbrella icon
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.

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.