Cheapest and Best Car Insurance Companies in Santa Clarita, CA


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ByMark Fitzpatrick
Edited byMargarita Barresi
ByMark Fitzpatrick
Edited byMargarita Barresi

Updated: May 20, 2024

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The most affordable car insurance depends on your needs and circumstances. AAA California is the cheapest option if you're looking for a full coverage policy or have an at-fault accident on your record. National General is the most affordable after a speeding ticket or a DUI. The other cheapest companies are State Farm for teens and USAA for military drivers. Finally, Chubb offers the best customer service.

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2024

Cheapest and Best Car Insurance in Santa Clarita, CA

Why Trust MoneyGeek? We gathered information from the California Department of Insurance and Quadrant Information Services to analyze the latest quotes for car insurance in Santa Clarita. Learn More. affordability, customer satisfaction and claims experience.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Liability Car Insurance in Santa Clarita

The cheapest car insurance companies for a minimum coverage policy in Santa Clarita are:

  • GEICO: $480 per year
  • Mercury: $500 per year

The most expensive company is Hartford, with an average annual premium of $842.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$480Monthly Premium$40
MercuryAnnual Premium$500Monthly Premium$42
AAA CaliforniaAnnual Premium$519Monthly Premium$43
ProgressiveAnnual Premium$556Monthly Premium$46
KemperAnnual Premium$622Monthly Premium$52
TravelersAnnual Premium$635Monthly Premium$53
NationwideAnnual Premium$643Monthly Premium$54
State FarmAnnual Premium$650Monthly Premium$54

A minimum coverage policy only covers bodily injury liability and property damage liability. California laws require that car insurance policies include:

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

Bodily injury liability covers the expenses of persons who are hurt in an accident. A minimum coverage policy in California will pay up to $15,000 per person, up to $30,000.

Cheapest Full Coverage Car Insurance in Santa Clarita

The cheapest car insurance companies for a full coverage policy in Santa Clarita are:

  • AAA California: $1,155 per year
  • Mercury: $1,167 per year

The most expensive company is Chubb, which costs $1,884 per year.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
AAA CaliforniaAnnual Premium$1,155Monthly Premium$96
MercuryAnnual Premium$1,167Monthly Premium$97
GEICOAnnual Premium$1,168Monthly Premium$97
National GeneralAnnual Premium$1,202Monthly Premium$100
ProgressiveAnnual Premium$1,217Monthly Premium$101
AllstateAnnual Premium$1,331Monthly Premium$111
State FarmAnnual Premium$1,415Monthly Premium$118
NationwideAnnual Premium$1,470Monthly Premium$123

Full coverage policies include comprehensive and collision coverage.

  • Collision insurance: Covers costs due to an at-fault accident with another car or an object, like a fence or a post.
  • Comprehensive Insurance: Covers theft and costs from non-collision damages like flood or vandalism.

A full coverage policy can be pricey, so it might not be worth the extra costs if you drive an old car with a low value.

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Cheapest Car Insurance in Santa Clarita After a Driving Offense

The cheapest car insurance companies after driving violations in Santa Clarita are:

  • Speeding ticket: National General ($1,263 per year)
  • At-fault accident: AAA California ($1,759 per year)
  • DUI: National General ($1,263 per year)

Hartford is the most expensive company after a speeding ticket ($2,614 per year) and after a DUI ($6,482 per year). Kemper costs the most after an at-fault accident ($3,688 per year).

Your driving history heavily influences your rates. Despite finding companies that offer the most affordable rates, drivers with bad records will likely pay higher premiums than those without offenses.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$1,263Monthly Premium$105
AAA CaliforniaAnnual Premium$1,496Monthly Premium$125
MercuryAnnual Premium$1,536Monthly Premium$128
GEICOAnnual Premium$1,755Monthly Premium$146
Capital Insurance GroupAnnual Premium$1,763Monthly Premium$147
AllstateAnnual Premium$1,944Monthly Premium$162
State FarmAnnual Premium$2,108Monthly Premium$176
State NationalAnnual Premium$2,203Monthly Premium$184

The severity of your violation determines how much your premium will increase. More serious offenses usually lead to higher increases, although this is not always the case. After a DUI, annual premiums in Santa Clarita climb by $2,220, while annual premiums are $641 more expensive after a speeding ticket. You can still find the most affordable rates by researching the cheapest car insurance for drivers with bad driving records.

Cheapest Car Insurance in Santa Clarita for Teens and Their Families

The cheapest car insurance companies for teens on a family policy in Santa Clarita are:

  • State Farm: $3,245 per year for girls and boys
  • Farmers: $3.360 per year for girls and boys

The most expensive company is Nationwide, which costs $5,382 per year for girls and boys. Car insurance rates can be higher for male teens because companies consider them high-risk drivers. This cost difference disappears in early adulthood.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
State FarmFamily Plan Annual Premium$3,245Individual Plan Monthly Premium$6,356
FarmersFamily Plan Annual Premium$3,360Individual Plan Monthly Premium$6,791
GEICOFamily Plan Annual Premium$3,449Individual Plan Monthly Premium$6,376
AllstateFamily Plan Annual Premium$3,595Individual Plan Monthly Premium$7,227
Capital Insurance GroupFamily Plan Annual Premium$3,647Individual Plan Monthly Premium$4,544
ProgressiveFamily Plan Annual Premium$3,937Individual Plan Monthly Premium$8,070
TravelersFamily Plan Annual Premium$4,125Individual Plan Monthly Premium$5,901
KemperFamily Plan Annual Premium$5,132Individual Plan Monthly Premium$11,523

Car insurance premiums for teenagers are higher if they get an individual policy. An individual policy can cost $4,498 a year, while adding a teenage driver to the family policy costs an average of $3,825 a year, a $673 savings. You can also take advantage of discounts when searching for the cheapest car insurance for teenagers.

Cheapest Car Insurance in Santa Clarita for Military Drivers

The cheapest car insurance for military drivers looking for full coverage policies in Santa Clarita are:

  • USAA: $958 per year
  • AAA California: $1,155 per year

For minimum coverage policies, the most affordable companies are USAA ($430 per year) and GEICO ($480 per year). Whether you need a full or minimum coverage policy, USAA is an affordable option. It offers services that are specific to active members of the military, veterans and their qualified family members.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$958Monthly Premium$80
AAA CaliforniaAnnual Premium$1,155Monthly Premium$96
MercuryAnnual Premium$1,167Monthly Premium$97
GEICOAnnual Premium$1,168Monthly Premium$97
National GeneralAnnual Premium$1,202Monthly Premium$100
ProgressiveAnnual Premium$1,217Monthly Premium$101
AllstateAnnual Premium$1,331Monthly Premium$111
State FarmAnnual Premium$1,415Monthly Premium$118

How to Compare Cheap Santa Clarita Car Insurance Quotes Online

Requesting an online quote in Santa Clarita, California, can take at least 15 minutes. Insurers may ask for several pieces of personal information. However, MoneyGeek's car insurance calculator can provide a quick premium estimate using just your age, car type, level of coverage and driving history.

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Jun 22, 2024

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Best Car Insurance in Santa Clarita: Summary

The best car insurance companies in Santa Clarita, California, for different categories are:

  • Best overall: GEICO (MoneyGeek score 75 out of 100)
  • Best for service: Chubb (MoneyGeek score 76 out of 100)
  • Best cheap: GEICO (MoneyGeek score 78 out of 100)

A company’s MoneyGeek score can differ based on the weightings for each category. The best car insurance in California is from CSAA. Military drivers can find the best car insurance from USAA (MoneyGeek score of 85 out of 100).

Best Overall Car Insurance in Santa Clarita

The overall best car insurance companies in Santa Clarita are:

  • GEICO: MoneyGeek score 75 out of 100 ($1,168 per year)
  • Progressive: MoneyGeek score 72 out of 100 ($1,217 per year)

GEICO scored the best for affordability and customer satisfaction. It balances low rates with quality customer service, making it our top recommendation. For drivers with a military background, we recommend USAA, which received a MoneyGeek score of 85 out of 100. It is also affordable, with an average premium of $958 per year.

How was this MoneyGeek score calculated?

GEICO

pros

checkmark

Affordable rates

checkmark

Quality customer service

checkmark

Has mechanical breakdown insurance (MBI) and rental car reimbursement

cons

close

Doesn’t have original equipment manufacturer (OEM) coverage and gap insurance

close

Poor claims management ratings

COMPANY HIGHLIGHTS

GEICO is an affordable option that gets high ratings for customer service. However, its claims management can use improvement, and the company offers limited coverage options. Among the add-ons it does offer are mechanical breakdown insurance (MBI) and rental car reimbursement.

MBI covers vehicle repairs, car parts replacements and other problems involving your car's mechanical components. It covers all parts of your vehicle wherever you need it repaired. You can add this to your policy if you own a vehicle with less than 15,000 miles that is less than 15 months old.

Rental reimbursement pays for your rental car while your vehicle is undergoing repairs or is at a total loss due to a covered incident. This add-on gives you a mode of transportation while your car is not driveable.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Santa Clarita for Customer Service

Excluding affordability, the best companies for customer service in Santa Clarita are:

  • Chubb: MoneyGeek score 76 out of 100 ($1,884 per year)
  • Capital Insurance Group: MoneyGeek score 68 out of 100 ($1,539 per year)

Chubb received high scores for customer satisfaction and claims management. It is also the most expensive company, so you might pay more for quality customer service.

How was this MoneyGeek score calculated?

Chubb

pros

checkmark

High customer service ratings

checkmark

Good claims management

checkmark

Has diminished value and OEM coverages

cons

close

Few add-on coverages

close

Doesn’t have gap insurance

COMPANY HIGHLIGHTS

Chubb enjoys a nearly perfect customer satisfaction score and a high claims management rating. The company offers diminished value coverage and OEM coverage, a rare add-on.

The value of your car decreases after an accident, but you can protect your investment if you add diminished value coverage to your policy. This coverage pays you the difference between your car’s worth before and after an accident. This way, you can minimize losses after an accident — and even after repairs.

Chubb’s OEM coverage pays for using original factory parts to repair your car after a covered incident. Avoiding after-market parts can help your vehicle’s safety features work as the manufacturer intended.

Best Cheap Car Insurance in Santa Clarita

Based on an analysis of customer service and cost for policies that only meet California’s minimum coverage requirements, the best companies in Santa Clarita are:

  • GEICO: MoneyGeek score 78 out of 100 ($480 per year)
  • Mercury: MoneyGeek score 72 out of 100 ($500 per year)

Although Santa Clarita's minimum coverage policies are less expensive, they offer little protection against liability and property damage in the event of an accident.

How was this MoneyGeek score calculated?

GEICO

pros

checkmark

An affordable option, at $480 per year

checkmark

Has bundling, air-bag and seatbelt use discounts

checkmark

Good customer service

cons

close

Low claims management ratings

close

No discount for paying in full

COMPANY HIGHLIGHTS

GEICO offers the cheapest rates in Santa Clarita, with an average premium of $480 per year. You can also get quality customer service at a low price, helping you avoid the usual trade-off between affordability and service.

The insurer provides multi-policy, multi-car, good student and safe driving discounts, so you can save more on your premiums. You can get a discount if you have different insurance policies or insure other cars with GEICO. Staying accident-free for five years can also earn you a discount. If you’re a full-time student, GEICO will give you a discount for having good grades.

If you diligently use your seat belt, you can earn a discount on the parts of your policy that deal with medical expenses and personal injury protection. In addition, teachers, federal employees, military members and senior drivers all qualify for discounts.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Santa Clarita

Car insurance in Santa Clarita costs $1,444 per year. This average cost is based on a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

Premiums can depend on your location. As of October 2022, the average cost of car insurance in the U.S. costs $122 more than in Santa Clarita, while the cost of car insurance in California is more expensive by $57.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick 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.