Cheapest and Best Car Insurance Companies in Santa Maria, CA

With the most recent quotes for 2023, GEICO is identified as the best and cheapest car insurance in Santa Maria, California for minimum coverage. This insurer features an ideal combination of affordability and service.

GEICO and National General offer the cheapest auto insurance in Santa Maria for minimum and full coverage, respectively. The best option for military drivers and those with a history of offenses is National General. For teenage drivers, State Farm is the best. Overall, Chubb has the best customer service in Santa Maria, while GEICO provides the best and cheapest auto insurance. The best option will depend on your driving history and customer needs.

Cheapest + BestCar InsuranceSanta Maria

2023

Cheapest and Best Car Insurance in Santa Maria, CA

Cheapest Overall - GEICO

Cheapest Full Coverage - National General

Cheapest After Driving Offense - National General

Cheapest for Teens - State Farm

Cheapest for Military - National General

Best Overall - GEICO

Best for Customer Service - Chubb

Best Cheap - GEICO

Cheapest Minimum Liability Car Insurance in Santa Maria

The companies below offer the most affordable minimum coverage prices in Santa Maria out of the 15 insurers we evaluated:

GEICO: $321 per year
Mercury: $327 per year

The average cost of GEICO in California is higher than in Santa Maria, at $438 per year, making it the third-cheapest in the state. Chubb has the most expensive minimum coverage in the city at an estimated cost of $675 per year.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
State Farm	$306	$26
GEICO	$317	$26
GEICO	$321	$27
Mercury	$327	$27
Mercury	$336	$28
GEICO	$378	$32
AAA California	$390	$32
State Farm	$404	$34
Mercury	$407	$34
AAA California	$410	$34
Progressive	$418	$35
Progressive	$423	$35
National General	$424	$35
Travelers	$424	$35
Travelers	$425	$35
Kemper	$428	$36
National General	$437	$36
State National	$438	$36
State National	$450	$37
State Farm	$461	$38
Nationwide	$471	$39
Travelers	$481	$40
Nationwide	$489	$41
Kemper	$492	$41
Progressive	$494	$41
AAA California	$495	$41
Hartford	$496	$41
Allstate	$504	$42
Allstate	$507	$42
National General	$520	$43
State National	$527	$44
Allstate	$542	$45
Farmers	$563	$47
Hartford	$564	$47
Farmers	$580	$48
Capital Insurance Group	$593	$49
Nationwide	$613	$51
Capital Insurance Group	$614	$51
Kemper	$649	$54
Farmers	$657	$55
Chubb	$675	$56
Capital Insurance Group	$688	$57
Chubb	$696	$58
National General	$709	$59
National General	$719	$60
Hartford	$722	$60
State Farm	$807	$67
National General	$858	$72
GEICO	$875	$73
Mercury	$881	$73
Allstate	$888	$74
GEICO	$906	$75
Mercury	$908	$76
AAA California	$921	$77
Progressive	$930	$78
Allstate	$931	$78
AAA California	$931	$78
Progressive	$933	$78
Chubb	$960	$80
State National	$998	$83
Allstate	$1,030	$86
State Farm	$1,031	$86
GEICO	$1,044	$87
State National	$1,075	$90
Hartford	$1,094	$91
Nationwide	$1,117	$93
Progressive	$1,118	$93
Mercury	$1,179	$98
Travelers	$1,196	$100
State Farm	$1,207	$101
Capital Insurance Group	$1,209	$101
Nationwide	$1,216	$101
AAA California	$1,219	$102
Hartford	$1,253	$104
Travelers	$1,259	$105
Capital Insurance Group	$1,283	$107
Kemper	$1,305	$109
State National	$1,321	$110
Farmers	$1,425	$119
Capital Insurance Group	$1,442	$120
Farmers	$1,457	$121
Travelers	$1,494	$124
Chubb	$1,568	$131
Nationwide	$1,580	$132
Hartford	$1,611	$134
Chubb	$1,617	$135
Kemper	$1,627	$136
Farmers	$1,725	$144
Kemper	$1,932	$161
Chubb	$2,298	$191

California law mandates the following minimum liability limits:

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

Minimum coverage enables you to cover a portion, if not all, of the damages and harm you are accountable for after an accident. For instance, if your bodily injury liability is $30,000 per accident and $15,000 per person, your insurance company will only cover $15,000 in damages for any victims and a maximum of $30,000 per accident.

Cheapest Full Coverage Car Insurance in Santa Maria

MoneyGeek’s analysis identified the following as the most affordable options for full coverage car insurance in Santa Maria:

National General: $709 per year
GEICO: $906 per year

However, National General is only the fifth-cheapest in California, at $1,218 annually, indicating how location can affect rates. Chubb charges the highest yearly premiums in the city for full coverage, at $1,568.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
State Farm	$306	$26
GEICO	$317	$26
GEICO	$321	$27
Mercury	$327	$27
Mercury	$336	$28
GEICO	$378	$32
AAA California	$390	$32
State Farm	$404	$34
Mercury	$407	$34
AAA California	$410	$34
Progressive	$418	$35
Progressive	$423	$35
National General	$424	$35
Travelers	$424	$35
Travelers	$425	$35
Kemper	$428	$36
National General	$437	$36
State National	$438	$36
State National	$450	$37
State Farm	$461	$38
Nationwide	$471	$39
Travelers	$481	$40
Nationwide	$489	$41
Kemper	$492	$41
Progressive	$494	$41
AAA California	$495	$41
Hartford	$496	$41
Allstate	$504	$42
Allstate	$507	$42
National General	$520	$43
State National	$527	$44
Allstate	$542	$45
Farmers	$563	$47
Hartford	$564	$47
Farmers	$580	$48
Capital Insurance Group	$593	$49
Nationwide	$613	$51
Capital Insurance Group	$614	$51
Kemper	$649	$54
Farmers	$657	$55
Chubb	$675	$56
Capital Insurance Group	$688	$57
Chubb	$696	$58
National General	$709	$59
National General	$719	$60
Hartford	$722	$60
State Farm	$807	$67
National General	$858	$72
GEICO	$875	$73
Mercury	$881	$73
Allstate	$888	$74
GEICO	$906	$75
Mercury	$908	$76
AAA California	$921	$77
Progressive	$930	$78
Allstate	$931	$78
AAA California	$931	$78
Progressive	$933	$78
Chubb	$960	$80
State National	$998	$83
Allstate	$1,030	$86
State Farm	$1,031	$86
GEICO	$1,044	$87
State National	$1,075	$90
Hartford	$1,094	$91
Nationwide	$1,117	$93
Progressive	$1,118	$93
Mercury	$1,179	$98
Travelers	$1,196	$100
State Farm	$1,207	$101
Capital Insurance Group	$1,209	$101
Nationwide	$1,216	$101
AAA California	$1,219	$102
Hartford	$1,253	$104
Travelers	$1,259	$105
Capital Insurance Group	$1,283	$107
Kemper	$1,305	$109
State National	$1,321	$110
Farmers	$1,425	$119
Capital Insurance Group	$1,442	$120
Farmers	$1,457	$121
Travelers	$1,494	$124
Chubb	$1,568	$131
Nationwide	$1,580	$132
Hartford	$1,611	$134
Chubb	$1,617	$135
Kemper	$1,627	$136
Farmers	$1,725	$144
Kemper	$1,932	$161
Chubb	$2,298	$191

Full coverage insurance includes comprehensive and collision coverage.

Collision insurance: Covers collisions with stationary objects like poles and other moving cars.
Comprehensive insurance: Covers non-collision damage, like running over an animal or having a tree branch fall on your car.

Full coverage provides more protection, but if your car is old, it can cost more than your vehicle is worth.

Cheapest Car Insurance in Santa Maria After a Driving Offense

National General offers the cheapest car insurance in Santa Maria for individuals with the following violations on their records:

Speeding ticket: National General ($744 per year)
At-fault accident: National General ($1,046 per year)
DUI: National General ($744 per year)

The most expensive in the city are Nationwide ($2,094 for a speeding ticket), Kemper ($2,855 for an at-fault accident) and Hartford ($4,475 for a DUI). Rates for even the most inexpensive policies will increase after a traffic violation.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
Mercury	$416	$35
Mercury	$428	$36
National General	$447	$37
National General	$447	$37
National General	$460	$38
National General	$460	$38
State Farm	$465	$39
GEICO	$483	$40
State Farm	$486	$41
GEICO	$489	$41
AAA California	$519	$43
Mercury	$521	$43
Mercury	$521	$43
Mercury	$535	$45
AAA California	$544	$45
National General	$549	$46
National General	$549	$46
Kemper	$567	$47
GEICO	$568	$47
GEICO	$575	$48
GEICO	$575	$48
Mercury	$578	$48
Mercury	$592	$49
State National	$614	$51
State National	$614	$51
State Farm	$615	$51
AAA California	$617	$51
National General	$631	$53
State National	$632	$53
State National	$632	$53
Travelers	$634	$53
Travelers	$636	$53
State Farm	$642	$54
AAA California	$648	$54
National General	$650	$54
Mercury	$653	$54
Kemper	$655	$55
Capital Insurance Group	$655	$55
AAA California	$659	$55
GEICO	$677	$56
Capital Insurance Group	$679	$57
Allstate	$685	$57
Capital Insurance Group	$687	$57
Allstate	$690	$58
Hartford	$700	$58
Hartford	$700	$58
State Farm	$701	$58
Travelers	$703	$59
Travelers	$703	$59
Capital Insurance Group	$712	$59
Mercury	$725	$60
Travelers	$726	$61
Nationwide	$727	$61
State Farm	$733	$61
Progressive	$741	$62
State National	$742	$62
State National	$742	$62
Allstate	$744	$62
National General	$744	$62
National General	$744	$62
Progressive	$752	$63
Nationwide	$754	$63
National General	$754	$63
National General	$754	$63
Capital Insurance Group	$762	$64
GEICO	$763	$64
Farmers	$768	$64
Farmers	$768	$64
GEICO	$772	$64
National General	$779	$65
Allstate	$784	$65
AAA California	$788	$66
Allstate	$789	$66
Farmers	$789	$66
Farmers	$789	$66
Capital Insurance Group	$799	$67
Travelers	$804	$67
Nationwide	$807	$67
Hartford	$808	$67
Hartford	$808	$67
Progressive	$815	$68
Progressive	$828	$69
Nationwide	$838	$70
Travelers	$840	$70
Travelers	$842	$70
Allstate	$853	$71
Chubb	$863	$72
Kemper	$864	$72
Chubb	$884	$74
Progressive	$887	$74
Progressive	$887	$74
Farmers	$896	$75
Farmers	$896	$75
National General	$900	$75
National General	$900	$75
Progressive	$903	$75
GEICO	$910	$76
Nationwide	$950	$79
Farmers	$958	$80
State Farm	$958	$80
Kemper	$966	$81
Kemper	$966	$81
Travelers	$970	$81
Progressive	$978	$81
Farmers	$985	$82
Capital Insurance Group	$1,027	$86
Chubb	$1,045	$87
National General	$1,046	$87
Nationwide	$1,058	$88
National General	$1,061	$88
Hartford	$1,062	$89
Hartford	$1,062	$89
Capital Insurance Group	$1,065	$89
Chubb	$1,066	$89
Progressive	$1,067	$89
State National	$1,094	$91
Farmers	$1,119	$93
State National	$1,127	$94
Chubb	$1,149	$96
Mercury	$1,161	$97
Kemper	$1,173	$98
Kemper	$1,173	$98
AAA California	$1,186	$99
State Farm	$1,192	$99
Mercury	$1,196	$100
Capital Insurance Group	$1,197	$100
AAA California	$1,199	$100
State Farm	$1,250	$104
State Farm	$1,266	$106
National General	$1,269	$106
Allstate	$1,272	$106
Nationwide	$1,276	$106
GEICO	$1,309	$109
Nationwide	$1,328	$111
AAA California	$1,329	$111
Chubb	$1,330	$111
State National	$1,334	$111
Allstate	$1,339	$112
Chubb	$1,348	$112
GEICO	$1,355	$113
Chubb	$1,368	$114
Capital Insurance Group	$1,382	$115
Allstate	$1,382	$115
Allstate	$1,395	$116
AAA California	$1,396	$116
AAA California	$1,398	$116
AAA California	$1,401	$117
State National	$1,412	$118
State National	$1,412	$118
Capital Insurance Group	$1,420	$118
State Farm	$1,446	$121
Mercury	$1,451	$121
GEICO	$1,462	$122
Capital Insurance Group	$1,466	$122
Kemper	$1,476	$123
Kemper	$1,476	$123
Allstate	$1,490	$124
Mercury	$1,495	$125
Capital Insurance Group	$1,504	$125
GEICO	$1,510	$126
Allstate	$1,514	$126
State National	$1,522	$127
State National	$1,522	$127
State Farm	$1,525	$127
Mercury	$1,542	$129
Mercury	$1,559	$130
GEICO	$1,561	$130
AAA California	$1,573	$131
Allstate	$1,574	$131
Mercury	$1,583	$132
State Farm	$1,597	$133
Hartford	$1,616	$135
Hartford	$1,616	$135
Chubb	$1,632	$136
Hartford	$1,640	$137
Capital Insurance Group	$1,652	$138
Allstate	$1,664	$139
Nationwide	$1,682	$140
Capital Insurance Group	$1,695	$141
AAA California	$1,706	$142
Nationwide	$1,726	$144
Kemper	$1,732	$144
GEICO	$1,742	$145
Progressive	$1,745	$145
Progressive	$1,748	$146
Travelers	$1,785	$149
State Farm	$1,785	$149
AAA California	$1,842	$153
Allstate	$1,859	$155
Hartford	$1,861	$155
Hartford	$1,861	$155
State Farm	$1,870	$156
Travelers	$1,871	$156
State National	$1,873	$156
State National	$1,873	$156
Nationwide	$1,881	$157
Progressive	$1,899	$158
Progressive	$1,901	$158
Nationwide	$1,921	$160
Hartford	$1,929	$161
Mercury	$1,950	$163
Farmers	$1,966	$164
Farmers	$1,966	$164
Travelers	$1,978	$165
Farmers	$2,012	$168
Farmers	$2,012	$168
Chubb	$2,048	$171
Mercury	$2,062	$172
Travelers	$2,070	$172
GEICO	$2,074	$173
Nationwide	$2,094	$175
Chubb	$2,097	$175
Progressive	$2,109	$176
GEICO	$2,147	$179
Progressive	$2,159	$180
Capital Insurance Group	$2,159	$180
Kemper	$2,160	$180
Progressive	$2,164	$180
Travelers	$2,247	$187
Capital Insurance Group	$2,292	$191
Progressive	$2,297	$191
Farmers	$2,383	$199
Farmers	$2,383	$199
Hartford	$2,417	$201
Hartford	$2,417	$201
Nationwide	$2,456	$205
Farmers	$2,457	$205
State Farm	$2,470	$206
Travelers	$2,472	$206
GEICO	$2,475	$206
Travelers	$2,489	$207
Chubb	$2,513	$209
Farmers	$2,514	$210
Chubb	$2,561	$213
Kemper	$2,567	$214
Capital Insurance Group	$2,587	$216
Travelers	$2,601	$217
Progressive	$2,615	$218
Hartford	$2,616	$218
State National	$2,618	$218
Nationwide	$2,740	$228
Allstate	$2,741	$228
Chubb	$2,779	$232
AAA California	$2,825	$235
State National	$2,829	$236
AAA California	$2,845	$237
Kemper	$2,855	$238
Kemper	$2,855	$238
Allstate	$2,897	$241
Farmers	$2,978	$248
Nationwide	$3,050	$254
Travelers	$3,148	$262
State Farm	$3,159	$263
Allstate	$3,239	$270
Chubb	$3,243	$270
Chubb	$3,286	$274
Nationwide	$3,330	$277
Chubb	$3,336	$278
State National	$3,497	$291
Kemper	$3,644	$304
Kemper	$3,644	$304
State Farm	$3,697	$308
AAA California	$3,744	$312
Hartford	$3,847	$321
Chubb	$4,017	$335
Kemper	$4,241	$353
Kemper	$4,241	$353
Nationwide	$4,372	$364
Hartford	$4,475	$373
Hartford	$5,919	$493

The insurance cost increase in Santa Maria depends on the seriousness of the driving violation. Prepare for significant premium increases of at least $1,549 after a DUI and $451 after a speeding citation. However, you can still find the most inexpensive auto insurance if you have a poor driving record.

Cheapest Car Insurance in Santa Maria for Teens and Their Families

The following providers offer the most affordable options in Santa Maria for adding teens to a family car insurance policy:

State Farm: $2,423 per year for female and male teens
Allstate: $2,426 per year for female and male teens

Male teens typically pay more because they are considered riskier. For example, a GEICO policy costs $2,615 for female teens, while Farmers charges $2,699 for male teens. Nationwide has the highest rates in the city, at $4,463. Always shop around before selecting an option.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
GEICO	$1,155	$1,849
GEICO	$1,183	$1,893
GEICO	$1,185	$2,085
GEICO	$1,198	$1,989
GEICO	$1,212	$1,939
GEICO	$1,218	$2,143
GEICO	$1,235	$2,265
GEICO	$1,251	$2,202
Allstate	$1,330	$2,133
Allstate	$1,330	$2,133
GEICO	$1,372	$2,043
Allstate	$1,393	$2,233
Allstate	$1,393	$2,233
GEICO	$1,417	$2,333
Progressive	$1,420	$2,250
Progressive	$1,420	$2,250
Allstate	$1,428	$2,481
Allstate	$1,428	$2,481
Allstate	$1,443	$2,313
Allstate	$1,443	$2,313
Allstate	$1,531	$2,492
Allstate	$1,531	$2,492
Progressive	$1,538	$2,436
Progressive	$1,538	$2,436
Nationwide	$1,551	$3,209
Nationwide	$1,551	$3,209
Capital Insurance Group	$1,624	$2,079
Capital Insurance Group	$1,624	$2,079
Progressive	$1,645	$3,010
Progressive	$1,645	$3,010
State Farm	$1,673	$2,446
State Farm	$1,673	$2,446
Kemper	$1,680	$3,367
Kemper	$1,680	$3,367
Nationwide	$1,701	$3,518
Nationwide	$1,701	$3,518
Progressive	$1,723	$2,729
Progressive	$1,723	$2,729
State Farm	$1,740	$2,544
State Farm	$1,740	$2,544
Nationwide	$1,755	$4,024
Nationwide	$1,755	$4,024
Allstate	$1,755	$3,176
Allstate	$1,755	$3,176
GEICO	$1,766	$2,969
State Farm	$1,771	$2,760
State Farm	$1,771	$2,760
Kemper	$1,774	$3,555
Kemper	$1,774	$3,555
State Farm	$1,781	$2,603
State Farm	$1,781	$2,603
Allstate	$1,784	$2,905
Allstate	$1,784	$2,905
Nationwide	$1,823	$3,771
Nationwide	$1,823	$3,771
GEICO	$1,835	$3,424
Travelers	$1,836	$2,458
Travelers	$1,836	$2,458
Farmers	$1,848	$2,640
Farmers	$1,848	$2,640
Capital Insurance Group	$1,849	$2,462
Capital Insurance Group	$1,849	$2,462
Kemper	$1,867	$4,181
Kemper	$1,867	$4,181
State Farm	$1,897	$2,814
State Farm	$1,897	$2,814
Travelers	$1,901	$2,544
Travelers	$1,901	$2,544
Capital Insurance Group	$1,924	$2,462
Capital Insurance Group	$1,924	$2,462
Capital Insurance Group	$1,924	$2,462
Capital Insurance Group	$1,924	$2,462
Kemper	$1,930	$3,867
Kemper	$1,930	$3,867
GEICO	$1,931	$2,876
Travelers	$1,940	$2,731
Travelers	$1,940	$2,731
Travelers	$1,981	$2,652
Travelers	$1,981	$2,652
GEICO	$2,008	$3,305
State Farm	$2,014	$3,133
State Farm	$2,014	$3,133
State Farm	$2,032	$3,014
State Farm	$2,032	$3,014
Progressive	$2,040	$3,302
Progressive	$2,040	$3,302
Nationwide	$2,054	$4,411
Nationwide	$2,054	$4,411
Farmers	$2,070	$3,062
Farmers	$2,070	$3,062
Farmers	$2,143	$3,062
Farmers	$2,143	$3,062
Farmers	$2,143	$3,062
Farmers	$2,143	$3,062
Capital Insurance Group	$2,148	$2,770
Capital Insurance Group	$2,148	$2,770
Kemper	$2,163	$4,432
Kemper	$2,163	$4,432
Travelers	$2,164	$2,866
Travelers	$2,164	$2,866
Capital Insurance Group	$2,226	$2,770
Capital Insurance Group	$2,226	$2,770
State Farm	$2,238	$3,973
State Farm	$2,238	$3,973
Farmers	$2,315	$3,511
Farmers	$2,315	$3,511
Allstate	$2,342	$4,567
Allstate	$2,342	$4,567
Kemper	$2,343	$4,801
Kemper	$2,343	$4,801
Travelers	$2,348	$3,307
Travelers	$2,348	$3,307
Kemper	$2,363	$5,293
Kemper	$2,363	$5,293
State Farm	$2,373	$4,212
State Farm	$2,373	$4,212
Capital Insurance Group	$2,384	$3,076
Capital Insurance Group	$2,384	$3,076
Travelers	$2,385	$3,158
Travelers	$2,385	$3,158
State Farm	$2,423	$4,720
State Farm	$2,423	$4,720
Allstate	$2,426	$4,811
Allstate	$2,426	$4,811
GEICO	$2,439	$4,294
Allstate	$2,467	$4,811
Allstate	$2,467	$4,811
Farmers	$2,502	$4,043
Farmers	$2,502	$4,043
Farmers	$2,525	$3,830
Farmers	$2,525	$3,830
Nationwide	$2,532	$6,098
Nationwide	$2,532	$6,098
Progressive	$2,544	$4,673
Progressive	$2,544	$4,673
GEICO	$2,557	$4,991
GEICO	$2,615	$4,794
Farmers	$2,634	$5,210
Farmers	$2,634	$5,210
GEICO	$2,682	$4,721
Farmers	$2,699	$5,449
Farmers	$2,699	$5,449
Nationwide	$2,700	$5,798
Nationwide	$2,700	$5,798
Progressive	$2,703	$4,375
Progressive	$2,703	$4,375
Farmers	$2,707	$5,354
Farmers	$2,707	$5,354
GEICO	$2,757	$5,642
GEICO	$2,823	$5,511
Progressive	$2,936	$5,941
Progressive	$2,936	$5,941
Progressive	$2,954	$5,993
Progressive	$2,954	$5,993
Progressive	$2,966	$6,002
Progressive	$2,966	$6,002
Capital Insurance Group	$3,060	$3,806
Capital Insurance Group	$3,060	$3,806
Capital Insurance Group	$3,060	$3,806
Capital Insurance Group	$3,060	$3,806
Capital Insurance Group	$3,060	$3,806
Capital Insurance Group	$3,060	$3,806
Travelers	$3,139	$4,169
Travelers	$3,139	$4,169
Travelers	$3,279	$4,356
Travelers	$3,279	$4,356
Travelers	$3,286	$4,571
Travelers	$3,286	$4,571
Kemper	$3,565	$7,228
Kemper	$3,565	$7,228
Nationwide	$3,846	$8,244
Nationwide	$3,846	$8,244
Kemper	$3,905	$7,918
Kemper	$3,905	$7,918
Kemper	$3,941	$8,826
Kemper	$3,941	$8,826
Nationwide	$4,324	$9,270
Nationwide	$4,324	$9,270
Nationwide	$4,463	$11,188
Nationwide	$4,463	$11,188

Adding a teen to a family policy is significantly cheaper than purchasing a separate policy. For instance, by adding a male teen to a family plan in Santa Maria, families can save an average of $673. To compare costs and save additional money, evaluate the cheapest teen auto insurance options.

Cheapest Car Insurance in Santa Maria for Military Drivers

The following companies in Santa Maria provide military members, veterans and their families with the cheapest full coverage auto insurance:

National General: $709 per year
USAA: $800 per year

USAA is a nationwide car insurance provider that exclusively caters to military members and families. It is the second-cheapest in the city. GEICO is the most affordable choice in Santa Maria for minimum coverage insurance at $321 annually.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
State Farm	$306	$26
GEICO	$317	$26
GEICO	$321	$27
Mercury	$327	$27
USAA	$331	$28
USAA	$331	$28
Mercury	$336	$28
GEICO	$378	$32
AAA California	$390	$32
USAA	$398	$33
State Farm	$404	$34
Mercury	$407	$34
AAA California	$410	$34
Progressive	$418	$35
Progressive	$423	$35
National General	$424	$35
Travelers	$424	$35
Travelers	$425	$35
Kemper	$428	$36
National General	$437	$36
State National	$438	$36
State National	$450	$37
State Farm	$461	$38
Nationwide	$471	$39
Travelers	$481	$40
Nationwide	$489	$41
Kemper	$492	$41
Progressive	$494	$41
AAA California	$495	$41
Hartford	$496	$41
Allstate	$504	$42
Allstate	$507	$42
National General	$520	$43
State National	$527	$44
Allstate	$542	$45
Farmers	$563	$47
Hartford	$564	$47
Farmers	$580	$48
Capital Insurance Group	$593	$49
Nationwide	$613	$51
Capital Insurance Group	$614	$51
Kemper	$649	$54
Farmers	$657	$55
Chubb	$675	$56
Capital Insurance Group	$688	$57
Chubb	$696	$58
National General	$709	$59
National General	$719	$60
Hartford	$722	$60
USAA	$780	$65
USAA	$800	$67
State Farm	$807	$67
National General	$858	$72
GEICO	$875	$73
Mercury	$881	$73
Allstate	$888	$74
GEICO	$906	$75
Mercury	$908	$76
AAA California	$921	$77
Progressive	$930	$78
AAA California	$931	$78
Allstate	$931	$78
Progressive	$933	$78
USAA	$954	$80
Chubb	$960	$80
State National	$998	$83
Allstate	$1,030	$86
State Farm	$1,031	$86
GEICO	$1,044	$87
State National	$1,075	$90
Hartford	$1,094	$91
Nationwide	$1,117	$93
Progressive	$1,118	$93
Mercury	$1,179	$98
Travelers	$1,196	$100
State Farm	$1,207	$101
Capital Insurance Group	$1,209	$101
Nationwide	$1,216	$101
AAA California	$1,219	$102
Hartford	$1,253	$104
Travelers	$1,259	$105
Capital Insurance Group	$1,283	$107
Kemper	$1,305	$109
State National	$1,321	$110
Farmers	$1,425	$119
Capital Insurance Group	$1,442	$120
Farmers	$1,457	$121
Travelers	$1,494	$124
Chubb	$1,568	$131
Nationwide	$1,580	$132
Hartford	$1,611	$134
Chubb	$1,617	$135
Kemper	$1,627	$136
Farmers	$1,725	$144
Kemper	$1,932	$161
Chubb	$2,298	$191

How to Compare Cheap Santa Maria Car Insurance Quotes Online

We used a sample driver profile to analyze insurance rates and recommend comparing quotes from at least three insurance providers in Santa Maria to obtain a better idea of the prices and coverage.

Getting insurance quotes online can take up to 15 minutes per insurer. MoneyGeek's insurance calculator lets you determine your rates quickly based on your age, coverage, car type and driving record.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

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Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

Best Car Insurance in Santa Maria: Summary

The overall best car insurance options in Santa Maria are:

Best overall: GEICO (MoneyGeek score 68 out of 100)
Best for service: Chubb (MoneyGeek score 76 out of 100)
Best cheap: GEICO (MoneyGeek score 78 out of 100)

We do not factor in cost while evaluating service. Despite Chubb’s high rates in Santa Maria, it landed the top spot for customer satisfaction for its high service quality score.

Best Overall Car Insurance in Santa Maria

Among the 14 insurers evaluated, the following companies are the overall best auto insurance providers in Santa Maria:

GEICO: MoneyGeek score 68 out of 100 ($906 per year)
National General: MoneyGeek score 68 out of 100 ($709 per year)

The top two companies have similar overall MoneyGeek ratings. However, GEICO earned the top spot for its outstanding affordability, stability and customer satisfaction ratings.

How was this MoneyGeek score calculated?

pros

Ranks #2 for affordability out of 14 companies

High customer satisfaction rating

Offers mechanical breakdown insurance

cons

Provides few add-on coverages

Below-average claims management score

COMPANY HIGHLIGHTS

GEICO is the overall best car insurance in Santa Maria.. This insurer boasts an outstanding customer satisfaction rating and affordability at an average cost of $906 each year.

The company’s add-on coverage options are limited to rental car reimbursement, accident forgiveness, roadside assistance, mechanical breakdown insurance and antique car insurance — fewer than other insurance companies offer.

However, GEICO’s mechanical breakdown coverage and antique/classic car insurance distinguish it from its counterparts. Mechanical breakdown coverage applies to cars less than 15 months old with under 15,000 miles. It is a unique add-on coverage that provides better security for less money than the standard dealer-extended warranty.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Santa Maria for Customer Service

We did not consider affordability when we assessed quality service. The best auto insurance providers in Santa Maria for service are as follows:

Chubb: MoneyGeek score 76 out of 100 ($1,568 per year)
Capital Insurance Group: MoneyGeek score 68 out of 100 ($1,283 per year)

Despite having the highest prices in the city, Chubb gets excellent satisfaction reviews, making it the best auto insurance in Santa Maria for customer service.

How was this MoneyGeek score calculated?

pros

Ranked #2 in customer satisfaction among 14 insurers

Excellent claims management

Unique add-on coverages available

cons

Most expensive insurance rate, at $1,568 per year

Lacks some common coverages

COMPANY HIGHLIGHTS

Out of 14 insurance providers assessed in Santa Maria, Chubb provides the best car insurance for consumers who value excellent customer service. It earned high MoneyGeek ratings for claims and client satisfaction. However, the company has the most expensive insurance rate, at an annual average cost of $1,568.

Chubb provides special add-on coverages, including antique/classic car insurance, original equipment manufacturer (OEM) coverage and diminished value coverage. Unfortunately, several common coverages are missing from its list, including roadside assistance, accident forgiveness and gap insurance.

Best Cheap Car Insurance in Santa Maria

Based on MoneyGeek’s analysis, the following offer the best minimum coverage policies in Santa Maria:

GEICO: MoneyGeek score 78 out of 100 ($321 per year)
Mercury: MoneyGeek score 74 out of 100 ($327 per year)

Although minimum coverage is the least expensive, it may not offer adequate liability insurance and does not cover damage to your vehicle.

How was this MoneyGeek score calculated?

pros

An affordable minimum coverage policy costs $321 per year

Good rating for customer satisfaction

Offers a wide range of discounts

cons

Below-average claims management score

No new car replacement or better car replacement coverage

COMPANY HIGHLIGHTS

GEICO offers the cheapest minimum coverage auto insurance in Santa Maria for $321 a year. The company offers discounts for bundling, safe driving, airbags, anti-theft systems, good grades and defensive driving courses. These discounts help drivers who want to save further on their auto insurance. Some of GEICO's special discounts also include those for seat belt use, anti-lock brakes, new cars and daytime running lights.

If you are a federal employee, teacher, a senior driver, or a member of the military, you can qualify for a discount. GEICO also has a good reputation for customer satisfaction. The company offers a mobile app, online bill payment and an online calculator.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Santa Maria

Several factors besides location can affect the price of insurance. As of October 2022, Santa Maria's average yearly car insurance cost ($1,106) is lower than the California and national averages — at $1,387 and $1,265, respectively. These full coverage rates have bodily injury liability limits of $100,000 for accidents, $300,000 for individuals and $100,000 for individuals for property damage liability.

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

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

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Cheapest and Best Car Insurance Companies in Santa Maria, CA

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On This Page:

Cheapest Minimum Liability Car Insurance in Santa Maria

Cheapest Full Coverage Car Insurance in Santa Maria

Cheapest Car Insurance in Santa Maria After a Driving Offense

Cheapest Car Insurance in Santa Maria for Teens and Their Families

Cheapest Car Insurance in Santa Maria for Military Drivers

How to Compare Cheap Santa Maria Car Insurance Quotes Online

Best Car Insurance in Santa Maria: Summary

Best Overall Car Insurance in Santa Maria

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Santa Maria for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Santa Maria

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Santa Maria