Compare the Cheapest Car Insurance Quotes in Santa Maria, CA

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.

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Last Updated: 5/16/2022
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Esurance is Santa Maria’s most affordable car insurance company overall and for drivers with a speeding ticket, but cheaper options may be available depending on your preferred coverage and profile. GEICO and Mercury present the cheapest rates for minimum liability policies. USAA is an affordable option for military members and their family. The Auto Club of Southern California Insurance Group (AAA) is MoneyGeek’s best-rated car insurance provider in Santa Maria, due to its balance of affordability and customer service.

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The Cheapest and Best Car Insurance in Santa Maria

The Cheapest Car Insurance Companies in Santa Maria

A full coverage car insurance policy offers extensive financial protections to a driver since it includes liability, comprehensive and collision coverages. In Santa Maria, these providers offer the cheapest full coverage policies for an average driver:

  • Esurance: $853 per year
  • Progressive: $945 per year

USAA is another affordable option at $948 per year on average, but it’s exclusively for drivers who are members of the military.

MoneyGeek’s study shows that Esurance, Santa Maria’s cheapest provider, is 65.5% less expensive than Farmers, the city’s most expensive car insurance company.

Cheapest Car Insurance in Santa Maria
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $853
  • 2.
    Progressive
    $945
  • 3.
    USAA
    $948
  • 4.
    MetLife
    $956
  • 5.
    Allstate
    $971
  • 6.
    AAA
    $1,000
  • 7.
    GEICO
    $1,013
  • 8.
    Mercury
    $1,059
  • 9.
    State Farm
    $1,156
  • 10.
    Allied
    $1,284
  • 11.
    Hartford
    $1,314
  • 12.
    Travelers
    $1,351
  • 13.
    Farmers
    $1,412

Following MoneyGeek’s methodology, the car insurance rates in this guide are for a 40-year-old male driver in Santa Maria with a full coverage policy.
A full coverage auto insurance policy includes comprehensive and collision coverages, on top of the state’s minimum required insurance. It offers broad financial protection in case of an accident, and is more expensive than a minimum coverage policy because of that increased coverage.

  • Comprehensive Coverage: Pays for repairs from damages due to weather events, theft, fire and other damage not caused by a collision.
  • Collision Coverage: Covers vehicle repair expenses if you’re in an accident.

Consider that full coverage insurance can be more expensive than your car’s actual replacement value if you have an older vehicle. If that’s the case, you may wish to consider liability-only or state minimum insurance to obtain the cheapest rates possible.

Compare Car Insurance Rates in Santa Maria

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Insurance Rates

Cheapest Car Insurance in Santa Maria for Minimum Coverage

If you’re looking for the most affordable car insurance, a state minimum policy can fit your budget. These policies are significantly more affordable than full coverage policies due to their limited coverage. However, they don’t include comprehensive and collision coverages, potentially exposing you to financial risk in the event of an accident.

The cheapest minimum coverage policies in Santa Maria are available as follows:

  • GEICO: $400 per year
  • Mercury: $400 per year

For eligible military members and their family, USAA offers the most affordable state minimum policies in Santa Maria at $357 annually. It’s $373 cheaper compared to Farmers, the city’s most expensive state minimum insurer, while GEICO and Mercury are each cheaper by $330.

Check out the table below to see how costs vary depending on liability coverage.

Cheapest Minimum Liability Car Insurance in Santa Maria
State Minimum

The state of California requires its drivers to have at least a minimum coverage policy with 15/30/5 liability coverage. That’s the most affordable car insurance in the state, and choosing such a policy will lead to savings on your monthly premiums. However, with state minimum or liability-only insurance, you may end up paying more overall in case of an accident.

That’s because liability insurance in California only covers $15,000 for bodily injuries per person. If you’re at fault in an accident and the other driver’s medical expenses are $30,000, for example, you’ll have to pay $15,000 from your own pocket.

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 Maria if You Have Driving Violations

Your car insurance rates can go up if you get a speeding ticket, are charged with a DUI or an at-fault accident or any other driving violation. You can improve your driving record and have your premiums lowered, but that takes time.

In the meantime, comparing car insurance offers is your best option to find good deals. MoneyGeek ranked Santa Maria’s most affordable car insurance companies for drivers with a bad driving records as follows:

  • Cheapest after a ticket: Esurance, $1,073 per year
  • Cheapest after an at-fault accident: Esurance, $1,315 per year
  • Cheapest after a DUI: Mercury, $1,731 per year

Active-duty and retired military personnel and their family members may be eligible to obtain a USAA policy, which offers the cheapest auto insurance rates in Santa Maria for drivers with speeding tickets.

Cheapest Car Insurance in Santa Maria With a Violation
Speeding Ticket

Average Cost of Car Insurance in Santa Maria

Santa Maria$1,109
California$1,429
U.S.$1,424

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.

Personalized Quotes to Get You the Cheapest Car Insurance in Santa Maria

Drivers need to compare auto 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.

Compare Car Insurance Rates in Santa Maria

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

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The Best Car Insurance Companies in Santa Maria

If you’re looking for a car insurance provider that balances affordability and quality service, MoneyGeek evaluated the best providers in Santa Maria to help you with your shopping process.

Our study reveals that, on average, the best car insurance companies in the city are:

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

USAA is the top-rated company in Santa Maria per MoneyGeek’s rating system. However, since it’s only available to military members, veterans and their families, we did not include them in this analysis.

MoneyGeek used various resources including J.D. Power ratings for customer satisfaction, affordability and insurer financial stability to determine the final scores out of 100.


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

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 Code
    State Minimumper year
  • 93455
    $1,084
  • 93458
    $1,135

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.

accident2 icon
Most Accidents With Fatalities208th/300
handcuffs2 icon
Most Car Thefts90th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall242nd/300
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Most Rainy Days244th/300

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


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.


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