Updated: December 13, 2025
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Santa Rosa drivers can get minimum coverage for just $37 monthly through GEICO, while the same insurer also features the area's most affordable full coverage at $88 per month or $1,053 annually. These prices assume a clean driving record.
Age and driving history affect which provider gives you the lowest premium, so compare quotes from multiple insurers to find your best rate.
| Geico | $88 | $37 | -40% |
| AAA | $92 | $38 | -37% |
| Progressive | $98 | $51 | -29% |
| State Farm | $133 | $59 | -8% |
| Allstate | $126 | $74 | -4% |
California's average full coverage runs $131 monthly, but Santa Rosa residents pay $139 per month. Minimum coverage follows a similar pattern, with local drivers paying $64 compared to the state's $61 average. Santa Rosa's higher premiums stem from concentrated traffic that increases accident frequency and elevated vehicle theft rates throughout the city.
Weather-related claims from seasonal rains and wildfire risks also push costs above statewide levels. Comparing quotes from multiple insurers helps Santa Rosa drivers find more competitive rates.
| $139 | $131 |
Read More: The cheapest car insurance in California
The range of insurance costs across age groups in Santa Rosa tells a clear story about driving risk. Young drivers average $186 monthly across the top five cheapest insurers, compared to $107 for adults and $111 for seniors. This large gap reflects insurers' concerns about inexperience and the higher accident rates that come with new drivers on the road.
Cheapest Santa Rosa car insurance by age:
Once drivers establish experience, age matters less for pricing. The small gap between adult and senior rates shows insurers view experienced drivers similarly whether they're 40 or 70 years old.
Insurance costs jump sharply for younger drivers in Santa Rosa, with average premiums reaching $186 per month compared to $107 for adults. Youth premiums cost more than double what experienced drivers pay. GEICO provides the most affordable option at $164 monthly or $1,968 annually for full coverage.
Drivers ages 16 to 25 pay these higher rates because insurers view them as the riskiest group due to limited experience, higher accident involvement and more frequent traffic violations.
Young Santa Rosa drivers save $48 each month by choosing GEICO over Allstate at $212 monthly, the fifth-cheapest option. Adding a young driver to a family policy costs less than standalone coverage, though rates usually stay elevated until age 25.
Note: Teen drivers must meet state licensing requirements and may need parental consent for coverage.
| Geico | $164 | $1,968 |
| AAA | $180 | $2,164 |
| State Farm | $185 | $2,224 |
| Wawanesa Insurance | $186 | $2,234 |
| Allstate | $212 | $2,548 |
Santa Rosa seniors benefit from competitive car insurance rates thanks to their clean driving records and decades of experience, with GEICO offering the lowest premiums at $94 monthly or $1,125 annually for full coverage.
While most insurers reward experienced drivers with favorable pricing, some companies increase rates slightly for those over 70 due to reaction time concerns. Across the five most affordable insurers, Santa Rosa seniors average $111 monthly, just $4 above the $107 that younger adults pay.
Seniors who choose GEICO instead of Allstate at $121 monthly save $27 each month. They can unlock additional discounts when they complete defensive driving courses or keep annual mileage under 7,500 miles.
| Geico | $94 | $1,125 |
| AAA | $109 | $1,306 |
| State Farm | $115 | $1,376 |
| Progressive | $119 | $1,427 |
| Allstate | $121 | $1,446 |
Drivers between 26 and 64 get Santa Rosa's best insurance rates because they combine extensive experience with lower accident risk than younger and older drivers. GEICO leads with $88 monthly or $1,053 annually for full coverage, while this age group averages $107 monthly across the city's five cheapest insurers. Adults pay the lowest rates of any age category in Santa Rosa.
Choosing GEICO over State Farm at $133 monthly saves adults $45 each month. Clean driving records, policy bundling and good driver discounts offer additional ways to lower premiums.
| Geico | $88 | $1,053 |
| AAA | $92 | $1,110 |
| Progressive | $98 | $1,173 |
| Allstate | $126 | $1,515 |
| State Farm | $133 | $1,594 |
Traffic violations increase insurance rates in Santa Rosa, where clean drivers pay just $37 monthly through GEICO for minimum liability coverage. AAA becomes your cheapest option at $47 monthly if you've got a speeding ticket, while GEICO returns as the most affordable choice for DUI drivers at $87 monthly.
Average rates across the five cheapest insurers tell the full story: clean records cost $50, speeding tickets jump to $70, at-fault accidents hit $75, and DUIs soar to $112 monthly. At-fault accidents push premiums higher because you've caused actual property damage or injuries, proving you're a costly risk to insurers.
DUIs trigger the largest increases since they mix dangerous behavior with legal consequences, landing you in the highest-risk category and often requiring SR-22 paperwork for license reinstatement.
| Geico | $87 | $1,049 |
| Farmers | $113 | $1,356 |
| Progressive | $113 | $1,357 |
| Mercury Insurance | $114 | $1,369 |
| AAA | $130 | $1,562 |
The cheapest ZIP code in Santa Rosa is 95405 at just $58 monthly, while the most expensive is 95407 at $169, showing how location affects your insurance costs. See your ZIP code's rate in the table below.
Santa Rosa's most populated areas are ZIP codes 95407, 95401 and 95403, where drivers pay $169, $158 and $128 monthly for minimum coverage. These rate differences stem from neighborhood factors like accident frequency, theft rates, population density and uninsured driver percentages.
Use the filter above the table to locate your ZIP and check your area's rate.
| 95401 | $75 | $158 |
Smart Santa Rosa drivers know how to find competitive rates without cutting corners on essential coverage.
Try our car insurance coverage needs calculator for customized advice. This tool helps determine the right amount of coverage based on your specific situation and assets you need to protect.
Explore different types of car insurance offered in Santa Rosa. Consider pay-per-mile coverage if you drive infrequently or non-owner insurance if you occasionally borrow vehicles.
Look up average vehicle insurance costs for your specific Santa Rosa neighborhood. Local rates vary based on crime rates, traffic patterns and weather conditions in your zip code.
Explore every savings option through car insurance discounts. Consider bundling multiple policies or securing multi-car discounts. You can save with safe driver, student and anti-theft discounts.
Review company ratings and customer feedback for insurance companies serving Santa Rosa. Check financial stability scores and complaint ratios to ensure your chosen insurer can handle claims efficiently and remain solvent long-term.
Request quotes from multiple carriers in Santa Rosa, targeting at least three different companies. Rates vary between insurers for identical coverage, so comparison shopping ensures you find the most competitive price available.
Schedule an annual policy review to stay competitive with current market rates. Your circumstances change over time, and new discounts or coverage options may become available that weren't previously offered.
Want to find affordable coverage in Santa Rosa? This FAQ offers clear answers about available discounts, state regulations and policy options to help you find coverage that works for your budget.
GEICO offers Santa Rosa’s cheapest minimum coverage at $37 per month ($444 annually) and the lowest full coverage at $88 per month ($1,056 annually). Since personal factors significantly impact your final rate, shop around for quotes from multiple companies.
Progressive ranks first among Santa Rosa's car insurance companies, earning a MoneyGeek score of 91 out of 100 and outperforming AAA by four points. The company performs well in both coverage options and affordability.
Santa Rosa car insurance averages $768 annually for minimum coverage and $1,668 for full coverage. Your actual premiums depend on your driving record, age and other personal factors.
Yes, Santa Rosa car insurance costs are high, with the city ranking 984th for minimum coverage and 987th for full coverage affordability among California cities.
Santa Rosa drivers pay some of California's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Santa Rosa's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.
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.
