Cheapest and Best Car Insurance in Santa Clarita, CA (July 2024)


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Updated: October 3, 2024

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In Santa Clarita, California, the cheapest car insurance depends on coverage and driver characteristics. For full coverage, AAA leads, while State Farm offers the lowest rates for families with teens. The most affordable minimum coverage is provided by GEICO.

Chubb takes the top spot for both customer service excellence and best overall value, balancing price and service, which may resonate more depending on individual preferences and coverage needs.

MoneyGeek Logo IconBest & CheapestCar InsuranceSanta Clarita
2024

Cheapest and Best Car Insurance in Santa Clarita

Why Trust MoneyGeek? We analyzed 352,910 quotes in California, including the city of Santa Clarita, from 18 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Santa Clarita insurance providers based on ZIP codes in the city only. Our scores are based on affordability, custommeer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Santa Clarita, CA as of July 2024.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Coverage Car Insurance in Santa Clarita

GEICO offers the most affordable minimum coverage car insurance in Santa Clarita, making it an excellent option for budget-conscious drivers. When looking for the cheapest car insurance, consider the following providers:

  • GEICO: $550 per year
  • Progressive: $562 per year

The most expensive minimum coverage policy in the city is offered by Hartford at $836 per year. The difference of $286 between the lowest and the highest premiums underscores the necessity of comparing insurance rates to secure the best deal.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$550Monthly Premium$46
ProgressiveAnnual Premium$562Monthly Premium$47
MercuryAnnual Premium$564Monthly Premium$47
AAAAnnual Premium$589Monthly Premium$49
KemperAnnual Premium$622Monthly Premium$52
Capital Insurance GroupAnnual Premium$686Monthly Premium$57
State NationalAnnual Premium$691Monthly Premium$58
National GeneralAnnual Premium$721Monthly Premium$60
FarmersAnnual Premium$728Monthly Premium$61
State FarmAnnual Premium$751Monthly Premium$63
NationwideAnnual Premium$759Monthly Premium$63
ChubbAnnual Premium$813Monthly Premium$68
AllstateAnnual Premium$815Monthly Premium$68
TravelersAnnual Premium$816Monthly Premium$68
HartfordAnnual Premium$836Monthly Premium$70

State Minimum Liability Requirements

In the Golden State, from the beaches of Santa Monica to the suburbs of Santa Clarita, car insurance coverage is set by state law:

  • $15,000 bodily injury per person
  • $30,000 bodily injury per accident
  • $5,000 property damage liability per accident

For instance, under the minimum coverage, if you're at fault in an accident, your policy will cover up to $15,000 for injuries to one person and up to $30,000 for all injuries in that accident. Should costs exceed these limits, any additional amount would come out of your pocket. Drive easy, knowing these aren't secrets—just the standard rules of the road.

Cheapest Full Coverage Car Insurance in Santa Clarita

AAA offers the cheapest cheapest full coverage car insurance in Santa Clarita.

  • AAA: $1,251 per year
  • Progressive: $1,257 per year

Farmers has the most expensive full coverage policy in the city, costing $2,298 annually. This is a substantial $1,047 more than AAA, highlighting the importance of comparing rates for full coverage car insurance, which costs more than minimum coverage due to the comprehensive protection it provides.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
AAAAnnual Premium$1,251Monthly Premium$104
ProgressiveAnnual Premium$1,257Monthly Premium$105
MercuryAnnual Premium$1,335Monthly Premium$111
GEICOAnnual Premium$1,341Monthly Premium$112
National GeneralAnnual Premium$1,432Monthly Premium$119
AllstateAnnual Premium$1,449Monthly Premium$121
State NationalAnnual Premium$1,548Monthly Premium$129
Capital Insurance GroupAnnual Premium$1,564Monthly Premium$130
KemperAnnual Premium$1,677Monthly Premium$140
HartfordAnnual Premium$1,737Monthly Premium$145
State FarmAnnual Premium$1,761Monthly Premium$147
NationwideAnnual Premium$1,779Monthly Premium$148
ChubbAnnual Premium$1,884Monthly Premium$157
TravelersAnnual Premium$2,101Monthly Premium$175
FarmersAnnual Premium$2,298Monthly Premium$191

Do You Need Full Coverage in California?

A full coverage policy in Santa Clarita includes coverage for damage to your own vehicle in the form of comprehensive and collision coverages. It usually also includes increased liability limits.

  • Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

If you have a new vehicle, it's wise to opt for full coverage insurance for more robust financial protection. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.

On the other hand, owners of older vehicles may find that the extra cost — which can amount to several hundred dollars more per year — is not justified by the value of the vehicle. When deciding how much car insurance coverage you need, consider your ideal balance: more extensive coverage comes with higher premiums, but getting less coverage means you may pay more out of pocket if you need to file a claim.

Cheapest Car Insurance in Santa Clarita After a Driving Offense

Capital Insurance Group is the most affordable option in Santa Clarita for drivers with a bad driving record, offering competitive rates for full coverage policies in various scenarios:

  • Speeding ticket: Capital Insurance Group ($1,798 per year)
  • At-fault accident: Capital Insurance Group ($1,838 per year)
  • DUI: National General ($1,503 per year)

The cost variance between the cheapest policy after a speeding ticket and the cheapest after a DUI is a notable $705, illustrating how significantly insurance premiums can be affected by the type of driving offense.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$1,503Monthly Premium$125
AAAAnnual Premium$1,626Monthly Premium$135
MercuryAnnual Premium$1,756Monthly Premium$146
Capital Insurance GroupAnnual Premium$1,798Monthly Premium$150
GEICOAnnual Premium$1,999Monthly Premium$167
AllstateAnnual Premium$2,112Monthly Premium$176
State NationalAnnual Premium$2,203Monthly Premium$184
KemperAnnual Premium$2,229Monthly Premium$186
ProgressiveAnnual Premium$2,377Monthly Premium$198
ChubbAnnual Premium$2,471Monthly Premium$206
State FarmAnnual Premium$2,622Monthly Premium$219
HartfordAnnual Premium$2,625Monthly Premium$219
NationwideAnnual Premium$3,079Monthly Premium$257
FarmersAnnual Premium$3,183Monthly Premium$265
TravelersAnnual Premium$3,219Monthly Premium$268

Insurance premiums in Santa Clarita, as in many cities, escalate with the severity of your driving infractions, reflecting the increased risk insurers take on. For instance, drivers with a speeding ticket face an average annual rate of $2,320, whereas those with a DUI are looking at about $3,889 — a $1,569 difference.

Consequently, those with driving offenses must be even more diligent in comparing insurance rates because shopping around can lead to substantial savings in the face of higher premiums.

Cheapest Car Insurance in Santa Clarita for Teens and Their Families

State Farm offers the cheapest full coverage car insurance for teens in Santa Clarita, providing significant savings on an annual basis. Reflecting the most affordable rates:

  • State Farm: $3,245 per year for female teens and $3,245 per year for male teens
  • GEICO: $3,449 per year for female teens and $3,636 per year for male teens

These rates cover the combination of two parents and a teen driver, presenting a practical scenario for families. Nationwide offers the most expensive teen family policy in the city, with an annual premium of $5,382 for female teens.

The contrast of $2,137 between the cheapest and most expensive options for female teens underscores the importance of shopping around, particularly when adding higher-risk teen drivers to an insurance policy.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
State FarmFamily Plan Annual Premium$3,245Individual Plan Monthly Premium$3,593
FarmersFamily Plan Annual Premium$3,360Individual Plan Monthly Premium$4,954
GEICOFamily Plan Annual Premium$3,449Individual Plan Monthly Premium$3,894
AllstateFamily Plan Annual Premium$3,595Individual Plan Monthly Premium$3,873
Capital Insurance GroupFamily Plan Annual Premium$3,647Individual Plan Monthly Premium$3,561
ProgressiveFamily Plan Annual Premium$3,937Individual Plan Monthly Premium$4,326
TravelersFamily Plan Annual Premium$4,125Individual Plan Monthly Premium$3,730
KemperFamily Plan Annual Premium$5,132Individual Plan Monthly Premium$6,851
NationwideFamily Plan Annual Premium$5,382Individual Plan Monthly Premium$7,641

In Santa Clarita, as in many urban areas, young drivers face steep car insurance costs. On average, teens purchasing an individual annual policy can expect to pay $4,790, significantly higher than the $4,007 average if added to a family plan. The discrepancy persists due to the perceived risk insurers associate with inexperienced teen drivers.

Moreover, the likelihood of individual policy approval for teens is slim without an established driving record or credit history, reinforcing the advantages of a joint family insurance plan. Opting for inclusion in a family policy results in a more manageable premium and increases the chances of coverage for young motorists.

Cheapest Car Insurance in Santa Clarita for Military Drivers

AAA is the cheapest option in Santa Clarita for people with military backgrounds seeking full coverage car insurance. This company stands out for its low annual premiums.

  • AAA: $1,251 per year
  • Progressive: $1,256 per year

Although USAA ranks third with an annual premium of $1,306, it should be noted for its dedicated service to active duty military members. USAA offers tailored services that may provide added value to those in the armed forces.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
AAAAnnual Premium$1,251Monthly Premium$104
ProgressiveAnnual Premium$1,257Monthly Premium$105
USAAAnnual Premium$1,306Monthly Premium$109
MercuryAnnual Premium$1,335Monthly Premium$111
GEICOAnnual Premium$1,341Monthly Premium$112
National GeneralAnnual Premium$1,432Monthly Premium$119
AllstateAnnual Premium$1,449Monthly Premium$121
State NationalAnnual Premium$1,548Monthly Premium$129
Capital Insurance GroupAnnual Premium$1,564Monthly Premium$130
KemperAnnual Premium$1,677Monthly Premium$140
HartfordAnnual Premium$1,737Monthly Premium$145
State FarmAnnual Premium$1,761Monthly Premium$147
NationwideAnnual Premium$1,779Monthly Premium$148
ChubbAnnual Premium$1,884Monthly Premium$157
TravelersAnnual Premium$2,101Monthly Premium$175
FarmersAnnual Premium$2,298Monthly Premium$191

How to Compare Cheap Santa Clarita Car Insurance Quotes Online

in Santa Clarita, comparing car insurance rates is a key strategy for cost savings. However, the process is often cumbersome, potentially requiring over an hour to examine rates from three or more companies.

MoneyGeek's car insurance calculator can help you streamline this process. By inputting details like age, driving history, credit score and preferred coverage, you can instantly receive rate estimates.

Car Insurance Calculator

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Oct 04, 2024

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Best Car Insurance in Santa Clarita: Overview

Finding the right auto insurance is a balance of cost, service, and coverage quality. MoneyGeek's research, which employs distinct scoring systems across categories, shows Santa Clarita's outstanding providers:

  • Best overall: Chubb (MoneyGeek score 84 out of 100)
  • Best for service: Chubb (MoneyGeek score 94 out of 100)
  • Best cheap: Mercury (MoneyGeek score 81 out of 100)

In Santa Clarita, Chubb clinches the top spots for overall value and service. Mercury, on the other hand, emerges as the most favorable option for budget-conscious drivers, ensuring affordability while still maintaining a satisfactory service experience.

Overall Best Car Insurance in Santa Clarita

Chubb offers the best option in Santa Clarita for if you’re seeking the best car insurance.

  • Chubb: MoneyGeek score of 84 out of 100 ($1,884 per year)
  • Capital Insurance Group: MoneyGeek score of 83 out of 100 ($1,564 per year)

Chubb shines among its peers with a robust MoneyGeek score particularly in the domains of customer satisfaction and claims experience. These scores reflect its superior service quality for customers opting for full coverage policies.

Company logo for Chubb
Best OverallChubb
MoneyGeek Score:
84/ of 100

Overview

Chubb’s high MoneyGeek Score is bolstered by its high satisfaction and claims scores, making it a favored choice among consumers for reliability and service. The company offers Rental Car and/or Travel Reimbursement and Roadside Assistance. Additionally, it also includes Original Equipment Manufacturer (OEM) Coverage, which ensures vehicles get factory-original parts during repairs.

Diminished Value Coverage, allows car owners to claim the reduced value of their vehicle after an accident, even if it's fully repaired — a key consideration for preserving an investment.

Best Car Insurance in Santa Clarita for Customer Service

Chubb is the best option in Santa Clarita for car insurance solely focusing on customer service. This finding is strictly based on general satisfaction, claims handling and coverage quality, without considering the insurance rates.

  • Chubb: MoneyGeek score of 94 out of 100 ($1,884 per year)
  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,564 per year)

Chubb stands out with its consistently high scores across all evaluated aspects, particularly excelling in claims satisfaction and coverage options. These factors make Chubb the premier choice for consumers who prioritize exceptional service and comprehensive coverage.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
94/ of 100

Overview

Chubb is a solid choice for insurance due to its impressive satisfaction and claims handling scores. It offers Rental Car and/or Travel Reimbursement, as well as Diminished Value Coverage. This allows for compensation if your vehicle loses value after an accident, even if fully repaired.

Chubb's Original Equipment Manufacturer (OEM) Coverage stands out. It pays for original manufacturer parts during repairs — a significant benefit for maintaining vehicle integrity. Antique/Classic Car Insurance is tailored for the unique needs of vintage automobile enthusiasts, ensuring specialized protection for these valuable assets.

Best Cheap Car Insurance in Santa Clarita

Mercury is the best option for affordable car insurance in Santa Clarita, providing a balance between cost-effectiveness and reliable service.

  • Mercury: MoneyGeek score of 81 out of 100 ($564 per year)
  • Capital Insurance Group: MoneyGeek score of 76 out of 100 ($686 per year)

Mercury stands out with the highest MoneyGeek score, thanks in large part to its exceptional affordability. It not only offers competitive annual premiums but also excels in customer satisfaction and claims handling, making it an attractive choice for minimum coverage policies in Santa Clarita.

Company logo for Mercury
Best Cheap CompanyMercury
MoneyGeek Score:
81/ of 100

Overview

Mercury excels particularly in affordability. With an average annual premium of just $564, Mercury ensures the average driver pays less for minimum coverage. It offers discounts like those for Anti-Theft Systems and for Automatic Payment.

Mercury's discount offerings are comprehensive, featuring Bundling, Multiple Car, and Safe Driving. Drivers can benefit from the Paperless discount, promoting efficiency and environmental conservation by opting out of paper statements. Furthermore, the Pay in Full discount rewards those who can afford to pay their annual premium in one go, providing a potential cost-saving avenue.

Average Cost of Car Insurance in Santa Clarita

Car insurance in Santa Clarita, California, averages $1,562, a figure that offers insight into the typical costs motorists in the area can expect. When compared with the broader state average, Santa Clarita's car insurance costs are equal to the state average of $1,562 for California. However, both Santa Clarita and state premiums stand below the national average of $1,781, with California seeing a difference of $219 compared with national costs.

Location plays a pivotal role in determining car insurance rates, as factors including accident frequency, theft rates, and urban congestion can vary significantly from one area to another. For instance, the city with the most expensive premium in California is Glendale, costing an average of $2,115, while Santa Maria features the cheapest average at $1,106.

This substantial spread exemplifies the impact of location, with Glendale exceeding the state average by $728. Rates may be even more favorable in non-city areas where traffic density is lower.

AnaheimAnnual Premium$1,632
AntiochAnnual Premium$1,573
ArdenAnnual Premium$1,592
BakersfieldAnnual Premium$1,394
BerkeleyAnnual Premium$1,489
BurbankAnnual Premium$1,968
CarlsbadAnnual Premium$1,364
Chula VistaAnnual Premium$1,331
ClovisAnnual Premium$1,395
ConcordAnnual Premium$1,473
CoronaAnnual Premium$1,525
Costa MesaAnnual Premium$1,501
Daly CityAnnual Premium$1,712
DowneyAnnual Premium$1,749
East Los AngelesAnnual Premium$1,800
El CajonAnnual Premium$1,438
El MonteAnnual Premium$1,784
Elk GroveAnnual Premium$1,535
EscondidoAnnual Premium$1,382
FairfieldAnnual Premium$1,392
FontanaAnnual Premium$1,565
FremontAnnual Premium$1,446
FresnoAnnual Premium$1,442
FullertonAnnual Premium$1,661
Garden GroveAnnual Premium$1,679
GlendaleAnnual Premium$2,433
HaywardAnnual Premium$1,549
Huntington BeachAnnual Premium$1,523
InglewoodAnnual Premium$1,963
IrvineAnnual Premium$1,585
Jurupa ValleyAnnual Premium$1,507
LancasterAnnual Premium$1,670
Long BeachAnnual Premium$1,685
Los AngelesAnnual Premium$2,138
ModestoAnnual Premium$1,577
Moreno ValleyAnnual Premium$1,546
MurrietaAnnual Premium$1,415
NorwalkAnnual Premium$1,661
OaklandAnnual Premium$1,657
OceansideAnnual Premium$1,396
OntarioAnnual Premium$1,565
OrangeAnnual Premium$1,462
OxnardAnnual Premium$1,436
PalmdaleAnnual Premium$1,722
PasadenaAnnual Premium$1,798
PomonaAnnual Premium$1,630
Rancho CucamongaAnnual Premium$1,503
RialtoAnnual Premium$1,577
RichmondAnnual Premium$1,562
RiversideAnnual Premium$1,543
RosevilleAnnual Premium$1,458
SacramentoAnnual Premium$1,494
SalinasAnnual Premium$1,346
San BernardinoAnnual Premium$1,567
San DiegoAnnual Premium$1,349
San FranciscoAnnual Premium$1,670
San JoseAnnual Premium$1,429
San MateoAnnual Premium$1,385
Santa AnaAnnual Premium$1,577
Santa ClaraAnnual Premium$1,420
Santa ClaritaAnnual Premium$1,634
Santa MariaAnnual Premium$1,251
Santa RosaAnnual Premium$1,479
Simi ValleyAnnual Premium$1,528
StocktonAnnual Premium$1,594
SunnyvaleAnnual Premium$1,413
TemeculaAnnual Premium$1,432
Thousand OaksAnnual Premium$1,589
TorranceAnnual Premium$1,518
VallejoAnnual Premium$1,547
VenturaAnnual Premium$1,341
VictorvilleAnnual Premium$1,598
VisaliaAnnual Premium$1,333
VistaAnnual Premium$1,355
West CovinaAnnual Premium$1,667

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.