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: August 12, 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% |
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:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record: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
Strong coverage options
High customer satisfaction ratings
Quick claims processing
cons
Fewer discounts than competitors
COMPANY HIGHLIGHTS
Progressive ranks first among Santa Rosa insurers thanks to its comprehensive coverage options and strong customer service. The company stands out for having some of the most extensive coverage choices in the area. Santa Rosa drivers particularly value Progressive's user-friendly claims process and responsive customer support team.
AAA: Best for Specific Driver Types
pros
Top-rated affordability
Multiple driver discounts available
Fast quote process
cons
Limited coverage options
COMPANY HIGHLIGHTS
AAA earns the second spot in Santa Rosa with exceptional affordability across multiple driver categories. The company offers the lowest rates for drivers with older cars, newer vehicles, accidents, and speeding tickets. While AAA's coverage options are more basic than some competitors, its straightforward policies and strong local presence make it a reliable choice for Santa Rosa drivers.
How Much Is Car Insurance in Santa Rosa?
In Santa Rosa, minimum coverage costs about $64 per month or $772 per year, ranking 984th out of all California cities for affordability. Full coverage averages $139 monthly or $1,665 annually, ranking 987th among California cities.
| Full Coverage | $139 | $1,665 |
| Minimum Coverage | $64 | $772 |
Santa Rosa Car Insurance Cost by Category
In Santa Rosa, monthly coverage costs vary from $52 to $332 depending on the driver profile. Check the table below to see rates for your category.
| 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 rates by ZIP code range from $58 to $169 per month. ZIP code 95407 is the most expensive, while 95405 is the cheapest. Check the average rates for your ZIP code on the table below.
Data filtered by:Results filtered by:
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ZIP Code: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:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Male
Select
Coverage Level:State Minimum Liability Only
Select
Credit:Good
Select
Driving Record:Clean
| $61 | $737 | -1% |
How to Get the Best Cheap Santa Rosa Car Insurance
With Santa Rosa's auto insurance rates running higher than the California average, finding affordable coverage can feel overwhelming. Our step-by-step guide will show you proven ways to lower your rates while getting the right protection for your needs.
- 1
Calculate your coverage needs first
Start by determining exactly how much coverage you need for your Santa Rosa driving situation. Use our car insurance coverage needs calculator to estimate appropriate coverage levels. Consider your car's value, your assets and your risk tolerance when making this decision.
- 2
Explore alternative coverage types
Different types of car insurance can save you money based on your driving habits. If you drive infrequently, consider pay-per-mile insurance. Don't own a car? Look into non-owner coverage for occasional driving.
- 3
Know what others pay
Research average vehicle insurance costs in Santa Rosa to set realistic expectations. This knowledge helps you spot genuinely good deals and avoid overpaying. Compare rates across different companies to understand the typical price range in your area.
- 4
Stack 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.
- 5
Check company reliability
Research insurance companies' financial strength and customer service ratings. Look for insurers with strong records of fair claims handling and good customer support in Northern California. Read recent customer reviews focusing specifically on experiences from Santa Rosa drivers.
- 6
Get quotes from multiple insurers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites to help you get the best rates. Keep your coverage selections consistent across quotes for accurate comparisons.
- 7
Review 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
To help Santa Rosa drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the California Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in California to tailor options as closely as possible to you.
Santa Rosa Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 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 certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Santa Rosa
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in California are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following 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
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Progressive. "Progressive Insurance Reviews." Accessed August 12, 2025.