The average rates for car insurance in Santa Maria stand at $1,109 per year, 22.4% less than the state average. Esurance policyholders pay the cheapest rates in the area at an average of $853 per year. MoneyGeek examined the cheapest insurers by coverage amount and driving history. MoneyGeek also evaluated companies that balance affordability and service to find the best car insurance companies in Santa Maria.
Compare the Cheapest Car Insurance Quotes in Santa Maria
The Cheapest and Best Car Insurance in Santa Maria
The Cheapest Car Insurance Companies in Santa Maria
MoneyGeek evaluated 13 insurers in Santa Maria and found that, on average, these companies offer the cheapest full coverage insurance policies:
- Esurance: $853 per year
- Progressive: $945 per year
The most expensive option in the area is Farmers, who offers full coverage policies at an average of $1,412 per year. This is 65.5% higher than what Esurance policyholders pay. If you think that affordability determines the best car insurance, these price differences show that it pays to shop around.
MoneyGeek gathered quotes based on a 40-year-old male driver looking for a full coverage policy. This includes liability insurance and comprehensive and collision insurance.
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Average Cost of Car Insurance in Santa Maria
Before buying a car, potential drivers need to consider the average car insurance rates in Santa Maria to determine their budget. In the city, drivers pay an average of $1,109 per year for car insurance. This is 22.4% less than what the rest of California drivers pay. It's also 22.1% less than the national average.
The Best Car Insurance Companies in Santa Maria
The best car insurance companies in Santa Maria balance affordability and quality service. MoneyGeek ranked the best insurers in the city, finding that these scored the highest:
- Auto Club of Southern California Insurance Group: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
The top-scoring insurer in the area is USAA, getting a MoneyGeek score of 100 out of 100. However, they are only available for current and former military members.
These rankings were based on three criteria, including J.D. Power user satisfaction, affordability and financial stability.
Personalized Quotes to Get You the Cheapest Car Insurance in Santa Maria
Drivers need to compare car insurance quotes regularly to find the best rates that suit their needs, as numerous factors can affect premiums and even lead to discounts or rebates. Personal information like age or marital status and driving-related information such as experience or records are among the many factors that insurers take into consideration when determining premiums.
Shopping around for car insurance in Santa Maria could save you $256, which is enough to buy:
Cheapest Car Insurance in Santa Maria by Coverage Amount
Coverage limits play a significant role in the cost of car insurance. A policy that only meets California state minimums costs $509 per year. On the other hand, a full coverage policy with higher liability limits of 100/300/100 costs $1,109. This gap of $601 can give drivers a fully protected vehicle and comfortable limit in the event of an accident.
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.
State minimum liability-only policies are the cheapest car insurance option for drivers, but they only protect third parties in an accident. Full coverage policies provide more protection and come with comprehensive and collision coverage that can protect a driver’s vehicle. Having higher limits of 50/100/50 also provides $100,000 in coverage for all persons in an accident with a $50,000 limit for a single person along with $50,000 in property damage.
A state minimum liability-only policy in Santa Maria from Esurance costs an average of $467 per year, while upping it to include 50/100/50 limits costs about $79 more. A full coverage policy with higher limits costs $820 annually on average, while upping the coverage to 100/300/100 limits costs about $33 more annually.
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 Maria if You Have Driving Violations
A clean driving record can mean the difference between a cheap or costly annual premium. A driver with a clean record who is insured by Esurance will pay an average of $853 per year. On the other hand, a driver with a violation like a speeding ticket might pay $220 more annually. Drivers with an at-fault accident on their record could pay $462 more annually.
Rates increase for drivers who have a DUI on their record. A DUI can lead to a $1,239 increase in annual premiums compared to those who have a clean record.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
The average car insurance rates in California change based not just on the city but the ZIP code as well. Insurers look at the reports of vandalism, the number of vehicles stolen, the number of fraudulent injury claims and more in certain ZIP codes.
The gap between the cheapest ZIP code, 93455, and the most expensive ZIP code, 93458, is $51 per year.
- Zip CodeState Minimumper year
Factors That Impact Insurance Costs in Santa Maria
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 Maria. How Santa Maria 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 Maria 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
- Kaiser Family Foundation. "2019 Employer Health Benefits Survey." Accessed January 16, 2020.