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


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Updated: July 5, 2024

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In Santa Maria, the cheapest insurer depends on your coverage needs and driver profile. For full coverage, National General offers the lowest rates, whereas State Farm is the most affordable for families with teens. These differ from the minimum coverage leader, GEICO. While Chubb stands out for the best customer service and overall value, based on MoneyGeek's scoring approach, the ideal for you depends on your specific preferences and coverage necessities.

MoneyGeek Logo IconBest & CheapestCar InsuranceSanta Maria
2024

Cheapest and Best Car Insurance in Santa Maria

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

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

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Liability Car Insurance in Santa Maria

MoneyGeek found that GEICO is the cheapest option in Santa Maria for those seeking the cheapest car insurance.

  • GEICO: $364 per year
  • Mercury: $387 per year

While GEICO offers the most affordable policy, Chubb has the most expensive minimum coverage in Santa Maria, with an annual premium of $675. The difference between GEICO and Chubb's rates is significant at $311 per year.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$364Monthly Premium$30
MercuryAnnual Premium$387Monthly Premium$32
AAAAnnual Premium$393Monthly Premium$33
National GeneralAnnual Premium$412Monthly Premium$34
ProgressiveAnnual Premium$421Monthly Premium$35
KemperAnnual Premium$428Monthly Premium$36
State NationalAnnual Premium$450Monthly Premium$37
State FarmAnnual Premium$468Monthly Premium$39

In California, the minimum required car insurance coverage is dictated by state law. Here's what that coverage looks like:

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

If you're at fault in an accident, your minimum coverage policy will cover up to $15,000 for an individual's injuries and up to $30,000 total for injuries to multiple people per accident. If costs exceed these amounts, you'd be personally responsible to cover the difference.

Cheapest Full Coverage Car Insurance in Santa Maria

MoneyGeek found that National General offers the cheapest full coverage car insurance in Santa Maria.

  • National General: $846 per year
  • AAA: $953 per year

Farmers has the most expensive policy, with an annual cost of $1,853, which underscores the importance of shopping around.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
National GeneralAnnual Premium$846Monthly Premium$71
AAAAnnual Premium$953Monthly Premium$79
ProgressiveAnnual Premium$969Monthly Premium$81
AllstateAnnual Premium$976Monthly Premium$81
GEICOAnnual Premium$1,033Monthly Premium$86
State NationalAnnual Premium$1,075Monthly Premium$90
MercuryAnnual Premium$1,090Monthly Premium$91
HartfordAnnual Premium$1,239Monthly Premium$103

A full coverage policy for Santa Maria enhances liability limits beyond the basic requirements. This upgraded policy provides $100,000 for bodily injury liability per individual, $300,000 for bodily injury liability per accident and $100,000 for property damage liability per accident. In the insurance industry, such a plan is succinctly referred to as a 100/300/100 policy.

Full coverage insurance not only raises liability limits but also comes with comprehensive and collision coverage, essential components for thorough protection.

Collision Insurance: This type of insurance is crucial as it covers repairs or replacement costs for your vehicle if it's damaged in a collision, whether with another car or an object like a fence or pole. It also covers rollover accidents and pothole damage.

Comprehensive Insurance: With comprehensive insurance, your vehicle is covered for damages outside of collisions. This includes incidents such as theft, vandalism, or natural disasters like hail and storms. or being struck by an animal like a deer.

If you've invested in a brand-new vehicle, securing it with full coverage insurance is a wise decision For older vehicles, the benefit of such extensive coverage might not justify the additional expenditure. Deciding on the amount of car insurance you need is about striking a balance between coverage and cost.

Cheapest Car Insurance in Santa Maria After a Driving Offense

MoneyGeek found that National General is the cheapest option in Santa Maria for drivers who've had a speeding ticket, an at-fault accident, or a DUI. Here are the most competitive annual rates:

  • Speeding Ticket: National General ($887 per year)
  • At-fault accident: National General ($1,246 per year)
  • DUI: National General ($887 per year)

There can be big differences in rates when looking for the cheapest company for a driver with a poor driving record. For example, while National General costs $887 after a DUI, the cost is $4,426 with Hartford.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$887Monthly Premium$74
AAAAnnual Premium$1,226Monthly Premium$102
AllstateAnnual Premium$1,404Monthly Premium$117
MercuryAnnual Premium$1,435Monthly Premium$120
Capital Insurance GroupAnnual Premium$1,488Monthly Premium$124
State NationalAnnual Premium$1,522Monthly Premium$127
GEICOAnnual Premium$1,535Monthly Premium$128
KemperAnnual Premium$1,732Monthly Premium$144

In Santa Maria and similar localities, insurance premiums typically escalate with the gravity of one's driving infractions. For instance, drivers with a speeding ticket may face an average annual rate of $1,763, whereas those with a DUI could see rates soar to an average of $2,915.

Cheapest Car Insurance in Santa Maria for Teens and Their Families

MoneyGeek found that State Farm offers the most affordable full coverage car insurance for both female and male teens in Santa Maria. Explore the cheapest car insurance for teens to secure cost-effective rates for your family. Highlighting the competition:

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

These rates are for a family policy including two parents and a teenager, showcasing the value offered by State Farm. With Nationwide presenting the most expensive family teen policy in Santa Maria at $4,463 annually for females, there's an impressive $2,039 gap between the cheapest and most expensive providers for female teens.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
State FarmFamily Plan Annual Premium$2,423Individual Plan Monthly Premium$2,683
AllstateFamily Plan Annual Premium$2,426Individual Plan Monthly Premium$2,613
GEICOFamily Plan Annual Premium$2,615Individual Plan Monthly Premium$2,952
FarmersFamily Plan Annual Premium$2,699Individual Plan Monthly Premium$3,979
ProgressiveFamily Plan Annual Premium$2,954Individual Plan Monthly Premium$3,246
Capital Insurance GroupFamily Plan Annual Premium$3,060Individual Plan Monthly Premium$2,988
TravelersFamily Plan Annual Premium$3,286Individual Plan Monthly Premium$2,971
KemperFamily Plan Annual Premium$3,941Individual Plan Monthly Premium$5,261

In Santa Maria, teen drivers looking to insure their vehicles may face significant cost savings by opting for a joint family policy over an individual one. On average, teens can expect to pay around $3,728 for an individual policy, as opposed to a more economical $3,112 when added to a family plan. Insurers typically quote higher rates for young drivers due to their inexperience.

Cheapest Car Insurance in Santa Maria for Military Drivers

MoneyGeek found that National General offers the cheapest full coverage car insurance for military backgrounds in Santa Maria. When seeking the cheapest car insurance for military backgrounds, consider the following providers with their respective annual premiums:

  • National General: $846 per year
  • AAA: $953 per year

While USAA is not the cheapest in this dataset, at $1,078 per year, it is known for its exceptional service that specifically caters to the needs of active duty military members.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
National GeneralAnnual Premium$846Monthly Premium$71
AAAAnnual Premium$953Monthly Premium$79
ProgressiveAnnual Premium$969Monthly Premium$81
AllstateAnnual Premium$976Monthly Premium$81
GEICOAnnual Premium$1,033Monthly Premium$86
State NationalAnnual Premium$1,075Monthly Premium$90
USAAAnnual Premium$1,078Monthly Premium$90
MercuryAnnual Premium$1,090Monthly Premium$91

How to Compare Cheap Santa Maria Car Insurance Quotes Online

If you are shopping for car insurance in Santa Maria, you can use MoneyGeek's car insurance calculator. This requires just your age, driving history, credit score, desired coverage level and a handful of other key details to generate a swift rate estimate.

Car Insurance Calculator

MoneyGeeks'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:

Jul 22, 2024

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Best Car Insurance in Santa Maria: Overview

Choosing the best auto insurance for you depends on what you prioritize, be it service quality, cost, coverage or other aspects. MoneyGeek's rigorous category-specific scoring systems have identified Santa Maria's standout car insurance providers catering to different preferences:

  • Best overall: Chubb (MoneyGeek score 82 out of 100)
  • Best for service: Chubb (MoneyGeek score 94 out of 100)
  • Best cheap: Mercury (MoneyGeek score 80 out of 100)

Chubb reigns as the top provider in Santa Maria for both overall value and service. Mercury is ideal for budget-conscious drivers, maintaining a high level of service despite its lower costs.

Overall Best Car Insurance in Santa Maria

MoneyGeek found that Chubb is the best option in Santa Maria for drivers seeking the best car insurance. Based on the comprehensive ratings, here are the top two providers:

  • Chubb: MoneyGeek score of 82 out of 100 ($1,568 per year)
  • Capital Insurance Group: MoneyGeek score of 80 out of 100 ($1,297 per year)

Chubb stands out in Santa Maria with the highest MoneyGeek score for a full coverage policy. Its exceptional rating is largely due to its superior claims and coverage scores.

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

Overview

Claims and Coverage are the primary contributors to Chubb's impressive MoneyGeek score, ensuring comprehensive protection and satisfaction for customers. Chubb is known for its efficiency in handling claims. It offers rental car and/or travel reimbursement and roadside assistance. Chubb's rare coverages, such as antique/classic car Insurance, OEM coverage and diminished value coverage, are standout offerings that cater to various drivers.

Best Car Insurance in Santa Maria for Customer Service

MoneyGeek found that Chubb is the best option for car insurance customer service in Santa Maria. The commendation is based solely on its general satisfaction, outstanding claims handling and comprehensive coverages.

  • Chubb: MoneyGeek score of 94 out of 100 ($1,568 per year)
  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,297 per year)
Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
94/ of 100

Overview

Chubb's claims and satisfaction scores contribute to its exceptional MoneyGeek score. The company provides both common coverages: rental car and/or travel reimbursement and roadside assistance, which is a strong positive for policyholders. Chubb offers rare coverages that can greatly benefit a variety of drivers. For instance, it offers antique/classic car insurance and OEM coverage.

Best Cheap Car Insurance Companies in Santa Maria

MoneyGeek found that Mercury is the best option in Santa Maria for cheap car insurance, taking into consideration its excellent balance between affordability and customer satisfaction. The top providers of cheap insurance include:

  • Mercury: MoneyGeek score of 80 out of 100 ($387 per year)
  • GEICO: MoneyGeek score of 75 out of 100 ($364 per year)

Mercury offers competitive annual premiums ans also consistently excels in customer service and claims satisfaction, important attributes for an insurance company.

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

Overview

Mercury's MoneyGeek evaluation is heavily influenced by its exceptional affordability and satisfaction scores. With an average annual premium of only $387, Mercury ensures that the typical driver pays considerably less for minimum coverage each year. Discounts such as those for an anti-theft system and installing automatic payment further enhance value for customers beyond the benefits of common discounts.

Average Cost of Car Insurance in Santa Maria

On average, the cost of car insurance in Santa Maria is $1,251 annually. Compared to the overall average car insurance cost in California, which is $1,387, Santa Maria's average is less. Furthermore, California's average exceeds the national average of $1,265 by $122, illustrating a state-specific cost variation.

Car insurance premiums are determined by a wide array of factors, with location playing a critical role. Specific regional risk factors, such as accident rates, theft frequencies and urban density, significantly impact car insurance costs.

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

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.