GEICO offers the lowest car insurance rates in Santa Rosa, with average annual premiums of $440 for minimum coverage and $1,053 for full coverage. AAA, Progressive and State Farm also offer competitive rates in the city.
Car Insurance in Santa Rosa
Updated: November 4, 2025
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Key Takeaways
Santa Rosa's cheapest car insurance companies are GEICO, AAA and Progressive, with savings up to 40% compared to the city average.
Monthly car insurance costs in Santa Rosa average $139 for full coverage and $64 for minimum coverage.
To find the best cheap auto insurance in Santa Rosa, compare quotes from multiple sources and choose coverage that matches your needs.
Who Has the Cheapest Car Insurance in Santa Rosa?
| GEICO | $37 | $88 | -40% |
| AAA | $38 | $92 | -37% |
| Progressive | $51 | $98 | -29% |
| State Farm | $59 | $133 | -8% |
| Allstate | $74 | $126 | -4% |
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Cheapest Santa Rosa Car Insurance by Category
GEICO offers the lowest rates in five Santa Rosa driver categories, including young drivers and those with bad credit. AAA provides the cheapest coverage for four other groups, particularly drivers with accidents or speeding tickets.
| Young Drivers | GEICO | $74 |
| Adult Drivers | GEICO | $37 |
| Senior Drivers | GEICO | $40 |
| Drivers With an Accident | AAA | $47 |
| Drivers With a DUI | GEICO | $87 |
| Drivers With a Speeding Ticket | AAA | $47 |
| Drivers With Bad Credit | GEICO | $70 |
| Drivers With Newer Cars | AAA | $39 |
| Drivers With Old Cars | AAA | $24 |
Compare the Cheapest Santa Rosa Car Insurance for You
Your car insurance rates depend heavily on your driving history and personal details. Use this table to find insurers offering the best rates for drivers with your profile.
Data filtered by:
Adult Drivers
Male
State Minimum Liability Only
Good
Clean
| Geico | $37 | $440 | -44% |
| AAA | $38 | $451 | -43% |
| Progressive | $51 | $608 | -23% |
| State Farm | $59 | $709 | -10% |
| Mercury Insurance | $65 | $786 | 0% |
Best Car Insurance Companies in Santa Rosa
The leading car insurance companies in Santa Rosa are Progressive, AAA, GEICO and State Farm. These providers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| Progressive | 91 | 3 | 3 | 2 |
| AAA | 87 | 2 | 5 | 7 |
| GEICO | 87 | 1 | 7 | 7 |
| State Farm | 79 | 4 | 4 | 7 |
| Mercury Insurance | 79 | 7 | 6 | 5 |
Progressive: Best Overall Coverage
pros
Extensive coverage options
High customer satisfaction
Fast claims processing
cons
Limited discount options
COMPANY HIGHLIGHTS
Progressive ranks first among Santa Rosa insurers for its wide coverage options and reliable customer service. The company provides some of the most comprehensive policies in the area and many local drivers appreciate its easy claims process and helpful support team.
AAA: Best for Specific Driver Types
pros
Most affordable rates
Multiple driver discounts
Quick quote process
cons
Basic coverage options
COMPANY HIGHLIGHTS
AAA ranks second in Santa Rosa for its affordable rates across different driver types. It offers some of the lowest prices for drivers with older or newer vehicles, as well as those with accidents or speeding tickets on record. Its coverage options are simpler than some competitors, but many Santa Rosa drivers appreciate AAA’s clear policies and trusted local presence.
How Much Is Car Insurance in Santa Rosa?
Minimum coverage in Santa Rosa costs about $64 per month or roughly $772 per year, ranking the city 984th in California for affordability. Full coverage averages $139 monthly or $1,665 annually, ranking 987th among cities in the state.
| Full Coverage | $139 | $1,665 |
| Minimum Coverage | $64 | $772 |
Santa Rosa Car Insurance Cost by Category
Monthly coverage costs in Santa Rosa range from $52 to $332 based on your driver profile. The table below shows rates for different categories.
| Young Drivers | $116 | $244 |
| Adult Drivers | $64 | $139 |
| Senior Drivers | $76 | $156 |
| Drivers With an Accident | $101 | $217 |
| Drivers With a DUI | $154 | $332 |
| Drivers With a Speeding Ticket | $93 | $201 |
| Drivers With Bad Credit | $139 | $309 |
| Drivers With Newer Cars | $68 | $146 |
| Drivers With Old Cars | $52 | $111 |
Santa Rosa Car Insurance Costs by ZIP Code
In Santa Rosa, car insurance costs range from $58 to $169 per month depending on your ZIP code. Drivers in 95407 pay the highest rates and those in 95405 pay the lowest. You can see the average rates for each ZIP code in the table below.
Data filtered by:
95407
| 95407 | $77 | $169 |
Compare Personalized Santa Rosa Car Insurance Costs
Since your exact profile may differ from basic rate breakdowns, use this table to filter Santa Rosa car insurance rates by specific combinations of age, driving history and other personal factors.
Data filtered by:
Adult Drivers
Male
State Minimum Liability Only
Good
Clean
| $61 | $737 | -1% |
How to Get the Best Cheap Santa Rosa Car Insurance
Auto insurance rates in Santa Rosa are higher than the California average, so finding affordable coverage can be challenging. This step-by-step guide walks you through practical ways to lower your costs and choose the right level of protection for your needs.
- 1Calculate your coverage needs first
Figure out how much coverage fits your situation in Santa Rosa. Use our car insurance coverage calculator to get an estimate that matches your needs. Look into your car’s value, the assets you want to protect and how much financial risk you’re willing to take.
- 2Explore alternative coverage types
The right type of car insurance helps you save money based on how often you drive. If you’re on the road rarely, pay-per-mile insurance is a smart choice. Don’t own a car? A non-owner policy works well for occasional driving.
- 3Know what others pay
Check average car insurance costs in Santa Rosa to set fair expectations. This helps you recognize good deals and avoid paying too much. Compare quotes from multiple companies to get a sense of the usual price range in your area.
- 4Stack up available discounts
Maximize savings through car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Many insurers offer additional savings for safe driving records, anti-theft devices, or completing defensive driving courses.
- 5Check company reliability
Look into each insurer’s financial strength and customer service record. Choose companies known for fair claims handling and great support in Northern California. Read recent reviews from Santa Rosa drivers to gain insight into real customer experiences.
- 6Get quotes from multiple insurers
Reach out to at least three insurance providers for quotes. Use a mix of local agents, online comparison tools and official company websites to find the best rates. Keep your coverage choices the same across all quotes so you can compare them accurately.
- 7Review coverage each year
Set a yearly reminder to review your policy and shop for new quotes. Your circumstances and insurance needs may change, and new discounts or better rates might become available. Regular reviews ensure you maintain the best combination of coverage and cost.
Cheapest Car Insurance in Santa Rosa: Bottom Line
Car insurance rates in Santa Rosa depend on your driving record, vehicle and coverage choices. While GEICO and AAA offer the lowest average premiums in the area, compare quotes from multiple providers to find your best rate.
Cheap Santa Rosa Car Insurance: FAQ
Find clear answers about affordable car insurance in Santa Rosa. Our FAQ section helps you understand coverage options while keeping costs low, so you can choose the right policy for your needs.
What is the cheapest car insurance company in Santa Rosa, California?
GEICO offers the lowest rates in Santa Rosa, with average annual premiums of $440 for minimum coverage and $1,053 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Santa Rosa?
Progressive offers Santa Rosa's best car insurance with a MoneyGeek score of 91 out of 100, scoring three points higher than AAA. Progressive delivers excellent customer service and competitive rates.
What is the average cost of car insurance in Santa Rosa?
In Santa Rosa, full coverage auto insurance costs $1,665 annually, while minimum coverage averages $772. Your actual rates will vary based on individual factors.
Is car insurance in Santa Rosa expensive?
Car insurance in Santa Rosa is more expensive than average, ranking 984th for minimum coverage affordability and 987th for full coverage compared to other California cities.
How We Chose the Best and Cheapest Car Insurance in Santa Rosa, CA
MoneyGeek analyzed auto insurance rates from the California Department of Insurance and Quadrant Information Services to help Santa Rosa drivers find affordable coverage. We studied all ZIP codes in the city and hundreds of thousands of quotes from 12 companies offering auto insurance in California.
Santa Rosa Driver Profile
We calculated average car insurance quotes using a sample driver profile with the following traits:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted factors like age, driving record, credit score and military affiliation to find the best insurance companies for specific driver profiles.
Coverage Levels in Santa Rosa
We compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
California's minimum coverage requirements are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For full coverage policies, we used these coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
All companies were rated using the following scale:
- Affordability (60% of score): We evaluated quotes for common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences.
- Coverage options (10% of score): This score looks at how many coverage choices a provider offers and the uniqueness of those options and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Progressive. "Progressive Insurance Reviews." Accessed August 12, 2025.
