Compare the Cheapest Car Insurance Quotes in Santa Maria

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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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

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.

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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.


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:88

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:88

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:83

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:83

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:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:78

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

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:


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85Cups of Coffee
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20Months of Your Favorite Streaming Service

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

  • 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.

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

Liability Only
Full Coverage
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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.

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.

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About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers includes mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.


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