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Auto insurance costs vary based on driving profile and needs.

GEICO offers the cheapest minimum coverage in Santa Rosa, while National General has the lowest premium for full coverage or with a speeding ticket, at-fault accident or DUI.

Farmers is the cheapest for teen drivers on a family policy, and USAA is the most affordable for those with a military connection. The overall best cheap insurance is with GEICO, and Chubb has the best service.

MoneyGeek Logo IconCheapest + BestCar InsuranceSanta Rosa
2023

Cheapest and Best Car Insurance in Santa Rosa, CA

Cheapest Minimum Liability Car Insurance in Santa Rosa

MoneyGeek’s analysis indicates that, on average, the most affordable auto insurance in Santa Rosa for a minimum coverage policy is with the following:

  • GEICO: $354 per year
  • CSAA: $429 per year

Chubb offers the most expensive minimum coverage insurance, costing about $746 per year.

Company
Annual Premium
Monthly Premium

GEICO

$350

$29

GEICO

$354

$29

State Farm

$398

$33

GEICO

$416

$35

CSAA

$429

$36

CSAA

$437

$36

Mercury

$447

$37

Mercury

$457

$38

Progressive

$460

$38

Progressive

$462

$38

CSAA

$469

$39

Travelers

$496

$41

Travelers

$498

$42

National General

$501

$42

National General

$517

$43

State Farm

$526

$44

Nationwide

$534

$45

Progressive

$543

$45

Nationwide

$554

$46

Mercury

$558

$47

Kemper

$559

$47

Travelers

$567

$47

State National

$570

$48

Hartford

$581

$48

Allstate

$584

$49

Farmers

$587

$49

Allstate

$587

$49

State National

$588

$49

State Farm

$601

$50

Farmers

$605

$50

National General

$617

$51

Capital Insurance Group

$631

$53

Allstate

$632

$53

Kemper

$646

$54

Capital Insurance Group

$655

$55

Hartford

$660

$55

Farmers

$686

$57

State National

$695

$58

Nationwide

$700

$58

Capital Insurance Group

$734

$61

Chubb

$746

$62

Chubb

$767

$64

Hartford

$842

$70

Kemper

$848

$71

National General

$912

$76

National General

$925

$77

State Farm

$981

$82

GEICO

$998

$83

GEICO

$1,035

$86

Allstate

$1,036

$86

Chubb

$1,065

$89

Progressive

$1,074

$90

Progressive

$1,085

$90

Allstate

$1,086

$91

National General

$1,104

$92

GEICO

$1,189

$99

Allstate

$1,205

$100

Mercury

$1,208

$101

Mercury

$1,243

$104

Nationwide

$1,248

$104

State Farm

$1,257

$105

Hartford

$1,264

$105

CSAA

$1,264

$105

CSAA

$1,265

$105

Progressive

$1,300

$108

State National

$1,308

$109

Capital Insurance Group

$1,327

$111

Nationwide

$1,358

$113

CSAA

$1,395

$116

Capital Insurance Group

$1,409

$117

State National

$1,410

$117

Travelers

$1,417

$118

Hartford

$1,447

$121

State Farm

$1,469

$122

Travelers

$1,488

$124

Farmers

$1,504

$125

Farmers

$1,536

$128

Kemper

$1,573

$131

Capital Insurance Group

$1,587

$132

Mercury

$1,615

$135

State National

$1,742

$145

Nationwide

$1,772

$148

Travelers

$1,780

$148

Chubb

$1,784

$149

Farmers

$1,822

$152

Chubb

$1,840

$153

Hartford

$1,852

$154

Kemper

$1,957

$163

Kemper

$2,327

$194

Chubb

$2,623

$219

California defines the minimum coverage requirement for drivers in the state. Your policy should cover bodily injury and property damage costs with at least the following limits:

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

With liability coverage, insurance covers the other driver’s damages. For instance, with minimum coverage, if you get into an at-fault accident and the bodily injury liability is $25,000 for one person, your insurer will pay only $15,000, as this is the maximum limit. As such, you will be responsible for the additional $10,000.

Cheapest Full Coverage Car Insurance in Santa Rosa

If you’re interested in a full coverage car insurance policy, on average, the most affordable insurers in Santa Rosa are the following:

  • National General: $912 per year
  • GEICO: $1,035 per year

We found that Chubb offers the highest premium for full coverage, with an average annual cost of $1,784.

Company
Annual Premium
Monthly Premium

GEICO

$350

$29

GEICO

$354

$29

State Farm

$398

$33

GEICO

$416

$35

CSAA

$429

$36

CSAA

$437

$36

Mercury

$447

$37

Mercury

$457

$38

Progressive

$460

$38

Progressive

$462

$38

CSAA

$469

$39

Travelers

$496

$41

Travelers

$498

$42

National General

$501

$42

National General

$517

$43

State Farm

$526

$44

Nationwide

$534

$45

Progressive

$543

$45

Nationwide

$554

$46

Mercury

$558

$47

Kemper

$559

$47

Travelers

$567

$47

State National

$570

$48

Hartford

$581

$48

Allstate

$584

$49

Farmers

$587

$49

Allstate

$587

$49

State National

$588

$49

State Farm

$601

$50

Farmers

$605

$50

National General

$617

$51

Capital Insurance Group

$631

$53

Allstate

$632

$53

Kemper

$646

$54

Capital Insurance Group

$655

$55

Hartford

$660

$55

Farmers

$686

$57

State National

$695

$58

Nationwide

$700

$58

Capital Insurance Group

$734

$61

Chubb

$746

$62

Chubb

$767

$64

Hartford

$842

$70

Kemper

$848

$71

National General

$912

$76

National General

$925

$77

State Farm

$981

$82

GEICO

$998

$83

GEICO

$1,035

$86

Allstate

$1,036

$86

Chubb

$1,065

$89

Progressive

$1,074

$90

Progressive

$1,085

$90

Allstate

$1,086

$91

National General

$1,104

$92

GEICO

$1,189

$99

Allstate

$1,205

$100

Mercury

$1,208

$101

Mercury

$1,243

$104

Nationwide

$1,248

$104

State Farm

$1,257

$105

Hartford

$1,264

$105

CSAA

$1,264

$105

CSAA

$1,265

$105

Progressive

$1,300

$108

State National

$1,308

$109

Capital Insurance Group

$1,327

$111

Nationwide

$1,358

$113

CSAA

$1,395

$116

Capital Insurance Group

$1,409

$117

State National

$1,410

$117

Travelers

$1,417

$118

Hartford

$1,447

$121

State Farm

$1,469

$122

Travelers

$1,488

$124

Farmers

$1,504

$125

Farmers

$1,536

$128

Kemper

$1,573

$131

Capital Insurance Group

$1,587

$132

Mercury

$1,615

$135

State National

$1,742

$145

Nationwide

$1,772

$148

Travelers

$1,780

$148

Chubb

$1,784

$149

Farmers

$1,822

$152

Chubb

$1,840

$153

Hartford

$1,852

$154

Kemper

$1,957

$163

Kemper

$2,327

$194

Chubb

$2,623

$219

Full coverage auto insurance offers more protection than the minimum coverage policy because it has comprehensive and collision insurance with liability coverage.

  • Collision Insurance: If your car gets damaged due to an accident, like colliding with an object or another vehicle, collision insurance pays for the repair or replacement costs.
  • Comprehensive Insurance: It covers the repair or replacement costs if your car gets damaged from natural disasters, theft and other non-collision events.

If you have an older vehicle, getting full coverage insurance may not be the best option since the added cost of coverage may not be worth it compared to the value of the car.

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Cheapest Car Insurance in Santa Rosa After a Driving Offense

If your driving record includes a violation (speeding ticket, DUI or at-fault accident), on average, the cheapest insurers in Santa Rosa for a full coverage policy are:

  • Speeding Ticket: National General ($958 per year)
  • At-Fault Accident: National General ($1,349 per year)
  • DUI: National General ($958 per year)

The city’s priciest coverage, if you have a speeding ticket, is with Nationwide, at around $2,347 per year. With an at-fault accident, it is Kemper at roughly $3,468 per year. Insurance with a DUI costs around $5,198 per year through Hartford.

Although you can find the cheapest premium by comparing rates from multiple companies, you are still more likely to pay a higher premium than a safe driver.

Company
Annual Premium
Monthly Premium

National General

$530

$44

National General

$530

$44

CSAA

$532

$44

CSAA

$532

$44

GEICO

$532

$44

GEICO

$538

$45

CSAA

$542

$45

CSAA

$542

$45

National General

$546

$45

National General

$546

$45

Mercury

$571

$48

CSAA

$583

$49

CSAA

$583

$49

Mercury

$586

$49

State Farm

$604

$50

GEICO

$630

$52

State Farm

$632

$53

GEICO

$633

$53

GEICO

$637

$53

National General

$652

$54

National General

$652

$54

Capital Insurance Group

$698

$58

Mercury

$716

$60

Mercury

$719

$60

Capital Insurance Group

$724

$60

Mercury

$735

$61

Capital Insurance Group

$739

$62

Kemper

$746

$62

GEICO

$748

$62

National General

$751

$63

Travelers

$756

$63

Travelers

$757

$63

Capital Insurance Group

$766

$64

National General

$774

$64

Mercury

$795

$66

Farmers

$797

$66

Farmers

$797

$66

State Farm

$799

$67

State National

$805

$67

State National

$805

$67

Allstate

$807

$67

Allstate

$812

$68

Capital Insurance Group

$812

$68

Mercury

$816

$68

Progressive

$819

$68

Farmers

$822

$68

Farmers

$822

$68

Progressive

$823

$69

Nationwide

$824

$69

State National

$830

$69

State National

$830

$69

GEICO

$831

$69

Hartford

$832

$69

Hartford

$832

$69

State Farm

$834

$70

Travelers

$836

$70

Travelers

$838

$70

GEICO

$840

$70

Nationwide

$857

$71

Capital Insurance Group

$859

$72

Kemper

$862

$72

Travelers

$870

$73

Allstate

$879

$73

Progressive

$898

$75

Mercury

$900

$75

Progressive

$904

$75

State Farm

$913

$76

Nationwide

$917

$76

Allstate

$927

$77

National General

$928

$77

Farmers

$933

$78

Farmers

$933

$78

Allstate

$934

$78

Nationwide

$953

$79

State Farm

$954

$80

Chubb

$957

$80

National General

$958

$80

National General

$958

$80

Hartford

$959

$80

Hartford

$959

$80

Travelers

$963

$80

Progressive

$969

$81

National General

$970

$81

National General

$970

$81

Progressive

$978

$81

Progressive

$978

$82

Chubb

$980

$82

State National

$987

$82

State National

$987

$82

GEICO

$988

$82

Farmers

$996

$83

Mercury

$1,004

$84

Travelers

$1,009

$84

Allstate

$1,012

$84

Travelers

$1,012

$84

Farmers

$1,026

$86

Progressive

$1,075

$90

Nationwide

$1,087

$91

Capital Insurance Group

$1,095

$91

Kemper

$1,134

$94

Capital Insurance Group

$1,136

$95

National General

$1,158

$96

National General

$1,158

$96

Chubb

$1,161

$97

Progressive

$1,163

$97

Farmers

$1,166

$97

Travelers

$1,170

$97

Chubb

$1,184

$99

Nationwide

$1,211

$101

State Farm

$1,246

$104

Hartford

$1,248

$104

Hartford

$1,248

$104

Capital Insurance Group

$1,277

$106

Chubb

$1,278

$106

Kemper

$1,283

$107

Kemper

$1,283

$107

National General

$1,349

$112

National General

$1,366

$114

State National

$1,453

$121

State Farm

$1,454

$121

Nationwide

$1,455

$121

CSAA

$1,468

$122

Chubb

$1,482

$123

GEICO

$1,490

$124

Allstate

$1,496

$125

State National

$1,498

$125

CSAA

$1,499

$125

Chubb

$1,503

$125

Nationwide

$1,514

$126

Capital Insurance Group

$1,519

$127

State Farm

$1,524

$127

Chubb

$1,525

$127

GEICO

$1,545

$129

Kemper

$1,561

$130

Kemper

$1,561

$130

Capital Insurance Group

$1,567

$131

Allstate

$1,573

$131

Mercury

$1,595

$133

CSAA

$1,598

$133

CSAA

$1,598

$133

CSAA

$1,599

$133

CSAA

$1,599

$133

CSAA

$1,614

$134

Capital Insurance Group

$1,616

$135

National General

$1,635

$136

Mercury

$1,642

$137

State Farm

$1,647

$137

Allstate

$1,650

$138

Allstate

$1,664

$139

GEICO

$1,664

$139

Capital Insurance Group

$1,665

$139

GEICO

$1,721

$143

Allstate

$1,753

$146

CSAA

$1,763

$147

CSAA

$1,763

$147

GEICO

$1,775

$148

State National

$1,793

$149

Allstate

$1,810

$151

Capital Insurance Group

$1,822

$152

Chubb

$1,822

$152

Allstate

$1,855

$155

State National

$1,858

$155

State National

$1,858

$155

State Farm

$1,865

$155

Hartford

$1,876

$156

Hartford

$1,876

$156

State Farm

$1,879

$157

Capital Insurance Group

$1,882

$157

Nationwide

$1,930

$161

Nationwide

$1,931

$161

State Farm

$1,952

$163

Kemper

$1,954

$163

Kemper

$1,954

$163

Allstate

$1,959

$163

Hartford

$1,969

$164

GEICO

$1,981

$165

Mercury

$1,993

$166

State National

$2,002

$167

State National

$2,002

$167

Progressive

$2,022

$168

Progressive

$2,040

$170

Mercury

$2,054

$171

Farmers

$2,073

$173

Farmers

$2,073

$173

Kemper

$2,091

$174

Nationwide

$2,105

$175

Farmers

$2,121

$177

Farmers

$2,121

$177

Mercury

$2,126

$177

Travelers

$2,138

$178

Mercury

$2,141

$178

Nationwide

$2,151

$179

Hartford

$2,157

$180

Hartford

$2,157

$180

State Farm

$2,179

$182

Mercury

$2,180

$182

Allstate

$2,192

$183

Progressive

$2,192

$183

Progressive

$2,209

$184

Travelers

$2,242

$187

State Farm

$2,282

$190

Hartford

$2,306

$192

Chubb

$2,335

$195

GEICO

$2,345

$195

Nationwide

$2,347

$196

Travelers

$2,372

$198

Capital Insurance Group

$2,376

$198

Chubb

$2,393

$199

GEICO

$2,431

$203

Progressive

$2,456

$205

State National

$2,478

$207

State National

$2,478

$207

Travelers

$2,483

$207

Progressive

$2,490

$208

Progressive

$2,508

$209

Farmers

$2,516

$210

Farmers

$2,516

$210

Capital Insurance Group

$2,527

$211

Farmers

$2,591

$216

Kemper

$2,603

$217

Farmers

$2,650

$221

Progressive

$2,664

$222

Mercury

$2,677

$223

Travelers

$2,708

$226

Nationwide

$2,759

$230

Hartford

$2,784

$232

Hartford

$2,784

$232

GEICO

$2,796

$233

Mercury

$2,838

$237

Capital Insurance Group

$2,852

$238

Chubb

$2,872

$239

Chubb

$2,928

$244

Travelers

$2,982

$248

Travelers

$3,006

$251

State Farm

$3,009

$251

Progressive

$3,028

$252

Hartford

$3,079

$257

Nationwide

$3,080

$257

Kemper

$3,098

$258

Travelers

$3,139

$262

Farmers

$3,145

$262

Chubb

$3,175

$265

Allstate

$3,245

$270

Nationwide

$3,421

$285

Allstate

$3,425

$285

State National

$3,463

$289

Kemper

$3,468

$289

Kemper

$3,468

$289

Chubb

$3,711

$309

Nationwide

$3,737

$311

State National

$3,740

$312

Chubb

$3,760

$313

Travelers

$3,816

$318

Chubb

$3,820

$318

Allstate

$3,834

$319

State Farm

$3,859

$322

Kemper

$4,421

$368

Kemper

$4,421

$368

Hartford

$4,480

$373

State Farm

$4,508

$376

CSAA

$4,508

$376

CSAA

$4,513

$376

Chubb

$4,603

$384

State National

$4,644

$387

Nationwide

$4,921

$410

CSAA

$4,987

$416

Kemper

$5,148

$429

Kemper

$5,148

$429

Hartford

$5,198

$433

Hartford

$6,814

$568

Having a driving violation may cause a tremendous increase in your auto insurance premium. The additional cost may vary depending on the severity of the violation.

In Santa Rosa, for instance, you could pay around $583 more per year after a speeding ticket. A DUI may increase your premium by about $1,978 per year. However, you may still secure the cheapest auto insurance with a bad driving record if you compare several quotes.

Cheapest Car Insurance in Santa Rosa for Teens and Their Families

The following companies provide the average cheapest full coverage auto insurance in Santa Rosa for a teen driver on a family policy:

  • Farmers: $2,807 per year for female and male teens
  • Allstate: $2,847 per year for female and male teens

On the other hand, the highest average policy cost is from Nationwide for teenage drivers at around $4,931 per year for male and female teens.

It's quite ordinary for insurers to charge a higher rate for male teens because they are often considered riskier to insure than female teen drivers. However, the cost difference based on gender tends to decrease as the drivers attain adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,290

$2,059

GEICO

$1,321

$2,107

GEICO

$1,323

$2,321

GEICO

$1,338

$2,214

GEICO

$1,353

$2,159

GEICO

$1,360

$2,386

GEICO

$1,379

$2,521

GEICO

$1,397

$2,451

GEICO

$1,532

$2,274

Allstate

$1,561

$2,523

Allstate

$1,561

$2,523

GEICO

$1,583

$2,597

Progressive

$1,616

$2,550

Progressive

$1,616

$2,550

Allstate

$1,634

$2,641

Allstate

$1,634

$2,641

Allstate

$1,676

$2,934

Allstate

$1,676

$2,934

Allstate

$1,693

$2,736

Allstate

$1,693

$2,736

Nationwide

$1,714

$3,552

Nationwide

$1,714

$3,552

Progressive

$1,749

$2,760

Progressive

$1,749

$2,760

Capital Insurance Group

$1,757

$2,255

Capital Insurance Group

$1,757

$2,255

Allstate

$1,796

$2,948

Allstate

$1,796

$2,948

Progressive

$1,872

$3,411

Progressive

$1,872

$3,411

Nationwide

$1,879

$3,894

Nationwide

$1,879

$3,894

Farmers

$1,922

$2,745

Farmers

$1,922

$2,745

Nationwide

$1,939

$4,454

Nationwide

$1,939

$4,454

Progressive

$1,960

$3,092

Progressive

$1,960

$3,092

State Farm

$1,966

$2,884

State Farm

$1,966

$2,884

GEICO

$1,972

$3,305

Capital Insurance Group

$2,000

$2,671

Capital Insurance Group

$2,000

$2,671

Nationwide

$2,014

$4,174

Nationwide

$2,014

$4,174

Kemper

$2,019

$4,066

Kemper

$2,019

$4,066

State Farm

$2,045

$3,000

State Farm

$2,045

$3,000

GEICO

$2,049

$3,812

Allstate

$2,060

$3,757

Allstate

$2,060

$3,757

State Farm

$2,081

$3,255

State Farm

$2,081

$3,255

Capital Insurance Group

$2,081

$2,671

Capital Insurance Group

$2,081

$2,671

Capital Insurance Group

$2,081

$2,671

Capital Insurance Group

$2,081

$2,671

State Farm

$2,093

$3,069

State Farm

$2,093

$3,069

Allstate

$2,094

$3,436

Allstate

$2,094

$3,436

Kemper

$2,132

$4,293

Kemper

$2,132

$4,293

Farmers

$2,152

$3,184

Farmers

$2,152

$3,184

GEICO

$2,157

$3,201

Travelers

$2,166

$2,941

Travelers

$2,166

$2,941

Farmers

$2,229

$3,184

Farmers

$2,229

$3,184

Farmers

$2,229

$3,184

Farmers

$2,229

$3,184

State Farm

$2,229

$3,318

State Farm

$2,229

$3,318

Travelers

$2,242

$3,045

Travelers

$2,242

$3,045

GEICO

$2,242

$3,680

Kemper

$2,244

$5,048

Kemper

$2,244

$5,048

Nationwide

$2,270

$4,883

Nationwide

$2,270

$4,883

Travelers

$2,288

$3,268

Travelers

$2,288

$3,268

Kemper

$2,319

$4,670

Kemper

$2,319

$4,670

Progressive

$2,321

$3,741

Progressive

$2,321

$3,741

Capital Insurance Group

$2,323

$3,005

Capital Insurance Group

$2,323

$3,005

Travelers

$2,336

$3,173

Travelers

$2,336

$3,173

State Farm

$2,367

$3,695

State Farm

$2,367

$3,695

State Farm

$2,388

$3,555

State Farm

$2,388

$3,555

Farmers

$2,407

$3,651

Farmers

$2,407

$3,651

Capital Insurance Group

$2,408

$3,005

Capital Insurance Group

$2,408

$3,005

Travelers

$2,552

$3,430

Travelers

$2,552

$3,430

Capital Insurance Group

$2,579

$3,336

Capital Insurance Group

$2,579

$3,336

Kemper

$2,599

$5,352

Kemper

$2,599

$5,352

Farmers

$2,602

$4,204

Farmers

$2,602

$4,204

Farmers

$2,626

$3,982

Farmers

$2,626

$3,982

State Farm

$2,630

$4,685

State Farm

$2,630

$4,685

GEICO

$2,724

$4,780

Farmers

$2,739

$5,417

Farmers

$2,739

$5,417

Allstate

$2,749

$5,403

Allstate

$2,749

$5,403

Travelers

$2,770

$3,957

Travelers

$2,770

$3,957

State Farm

$2,788

$4,967

State Farm

$2,788

$4,967

Nationwide

$2,797

$6,750

Nationwide

$2,797

$6,750

Farmers

$2,807

$5,666

Farmers

$2,807

$5,666

Travelers

$2,812

$3,779

Travelers

$2,812

$3,779

Farmers

$2,815

$5,568

Farmers

$2,815

$5,568

Kemper

$2,816

$5,798

Kemper

$2,816

$5,798

Kemper

$2,840

$6,392

Kemper

$2,840

$6,392

Allstate

$2,847

$5,691

Allstate

$2,847

$5,691

State Farm

$2,848

$5,566

State Farm

$2,848

$5,566

GEICO

$2,855

$5,556

Progressive

$2,894

$5,294

Progressive

$2,894

$5,294

Allstate

$2,896

$5,691

Allstate

$2,896

$5,691

GEICO

$2,920

$5,337

Nationwide

$2,984

$6,418

Nationwide

$2,984

$6,418

GEICO

$2,995

$5,256

Progressive

$3,076

$4,957

Progressive

$3,076

$4,957

GEICO

$3,079

$6,280

GEICO

$3,153

$6,134

Capital Insurance Group

$3,310

$4,129

Capital Insurance Group

$3,310

$4,129

Capital Insurance Group

$3,310

$4,129

Capital Insurance Group

$3,310

$4,129

Capital Insurance Group

$3,310

$4,129

Capital Insurance Group

$3,310

$4,129

Progressive

$3,340

$6,731

Progressive

$3,340

$6,731

Progressive

$3,361

$6,790

Progressive

$3,361

$6,790

Progressive

$3,375

$6,800

Progressive

$3,375

$6,800

Travelers

$3,701

$4,989

Travelers

$3,701

$4,989

Travelers

$3,867

$5,212

Travelers

$3,867

$5,212

Travelers

$3,876

$5,470

Travelers

$3,876

$5,470

Nationwide

$4,249

$9,126

Nationwide

$4,249

$9,126

Kemper

$4,284

$8,728

Kemper

$4,284

$8,728

Kemper

$4,693

$9,561

Kemper

$4,693

$9,561

Kemper

$4,736

$10,658

Kemper

$4,736

$10,658

Nationwide

$4,777

$10,261

Nationwide

$4,777

$10,261

Nationwide

$4,931

$12,384

Nationwide

$4,931

$12,384

Auto insurance for teen drivers costs a lot, but adding a teenager to a family policy can save several hundreds of dollars over choosing to purchase a separate policy for them. For instance, you may pay about $3,825 yearly for a family policy with a male teen in Santa Rosa and roughly $4,498 for an individual policy for your male teen driver. Choosing the first option could save you around $673 per year.

You can find cheap car insurance for teens by comparing offers from multiple insurers.

Cheapest Car Insurance in Santa Rosa for Military Drivers

On average, the most affordable full coverage auto insurance for military drivers in Santa Rosa is from the following companies:

  • USAA: $888 per year
  • National General: $912 per year

USAA’s auto insurance policies are limited to drivers with a military connection.

If you are seeking minimum coverage car insurance as a veteran or active duty military member, the cheapest option in Santa Rosa is GEICO at about $354 per year. USAA comes in second at roughly $374 per year.

Company
Annual Premium
Monthly Premium

GEICO

$350

$29

GEICO

$354

$29

USAA

$374

$31

USAA

$374

$31

State Farm

$398

$33

GEICO

$416

$35

CSAA

$429

$36

CSAA

$437

$36

Mercury

$447

$37

USAA

$452

$38

Mercury

$457

$38

Progressive

$460

$38

Progressive

$462

$38

CSAA

$469

$39

Travelers

$496

$41

Travelers

$498

$42

National General

$501

$42

National General

$517

$43

State Farm

$526

$44

Nationwide

$534

$45

Progressive

$543

$45

Nationwide

$554

$46

Mercury

$558

$47

Kemper

$559

$47

Travelers

$567

$47

State National

$570

$48

Hartford

$581

$48

Allstate

$584

$49

Farmers

$587

$49

Allstate

$587

$49

State National

$588

$49

State Farm

$601

$50

Farmers

$605

$50

National General

$617

$51

Capital Insurance Group

$631

$53

Allstate

$632

$53

Kemper

$646

$54

Capital Insurance Group

$655

$55

Hartford

$660

$55

Farmers

$686

$57

State National

$695

$58

Nationwide

$700

$58

Capital Insurance Group

$734

$61

Chubb

$746

$62

Chubb

$767

$64

Hartford

$842

$70

Kemper

$848

$71

USAA

$865

$72

USAA

$888

$74

National General

$912

$76

National General

$925

$77

State Farm

$981

$82

GEICO

$998

$83

GEICO

$1,035

$86

Allstate

$1,036

$86

USAA

$1,061

$88

Chubb

$1,065

$89

Progressive

$1,074

$90

Progressive

$1,085

$90

Allstate

$1,086

$91

National General

$1,104

$92

GEICO

$1,189

$99

Allstate

$1,205

$100

Mercury

$1,208

$101

Mercury

$1,243

$104

Nationwide

$1,248

$104

State Farm

$1,257

$105

Hartford

$1,264

$105

CSAA

$1,264

$105

CSAA

$1,265

$105

Progressive

$1,300

$108

State National

$1,308

$109

Capital Insurance Group

$1,327

$111

Nationwide

$1,358

$113

CSAA

$1,395

$116

Capital Insurance Group

$1,409

$117

State National

$1,410

$117

Travelers

$1,417

$118

Hartford

$1,447

$121

State Farm

$1,469

$122

Travelers

$1,488

$124

Farmers

$1,504

$125

Farmers

$1,536

$128

Kemper

$1,573

$131

Capital Insurance Group

$1,587

$132

Mercury

$1,615

$135

State National

$1,742

$145

Nationwide

$1,772

$148

Travelers

$1,780

$148

Chubb

$1,784

$149

Farmers

$1,822

$152

Chubb

$1,840

$153

Hartford

$1,852

$154

Kemper

$1,957

$163

Kemper

$2,327

$194

Chubb

$2,623

$219

How to Compare Cheap Santa Rosa Car Insurance Quotes Online

Getting car insurance quotes online for Santa Rosa requires that you put in a lot of personal details. Typically, you will spend approximately 15 minutes or more before you get a quote from a provider. Comparing multiple quotes might take you several hours.

Fortunately, you can save a lot of time using MoneyGeek’s car insurance calculator. The online tool gives you instant auto insurance estimates — you only have to include your driving history, age, vehicle type and coverage level.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

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Click an insurer below to visit their review page or continue to your personalized quote.

Progressive

Best Car Insurance in Santa Rosa: Summary

The best car insurance depends on how you prioritize cost, service quality, coverage options and various other factors.

MoneyGeek evaluated the top auto insurance providers in Santa Rosa for different profiles and found that the following companies outshine other insurers:

  • Best overall: GEICO (MoneyGeek score of 71 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: GEICO (MoneyGeek score of 78 out of 100)

The overall MoneyGeek score of an insurer may vary based on how weightings changed for each category.

CSAA is MoneyGeek’s top choice for the best car insurance company in California, with a rating of 63 out of 100. Meanwhile, with a MoneyGeek score of 83 out of 100 in Santa Rosa, USAA is the best auto insurer if you have a military background.

Best Overall Car Insurance in Santa Rosa

MoneyGeek’s research indicates that the best overall auto insurance providers in Santa Rosa are:

  • GEICO: MoneyGeek score of 71 out of 100 ($1,035 per year)
  • Progressive: MoneyGeek score of 68 out of 100 ($1,085 per year)

GEICO stands out from other insurers due to its affordable premium — it ranked second for affordability. The insurer also has a good customer satisfaction rating, meaning you may find it ideal for balancing cost and service quality.

If you are from a military family, USAA is an excellent choice in Santa Rosa for car insurance, scoring 83 out of 100 on MoneyGeek’s rating scale.

How was this MoneyGeek score calculated?

GEICO

pros

Second-lowest rate in Santa Rosa for a full coverage policy

Good satisfaction score

Offers mechanical breakdown and classic car insurance

cons

Subpar claims management score

No gap insurance, deductible modification or new car replacement

COMPANY HIGHLIGHTS

Based on MoneyGeek's research, GEICO is the best overall auto insurance carrier in Santa Rosa. Its full coverage policy is the second cheapest, and it ranked above average on customer satisfaction. You can get several valuable add-on coverage options from the insurer, including mechanical breakdown, as well as classic car insurance.

The Mechanical Breakdown Insurance (MBI) from GEICO offers better coverage at a lower cost than an extended warranty from the manufacturer. The add-on covers your car systems and parts, including those not covered by a dealer warranty. You can get MBI coverage if you have a new or leased car not more than 15 months old with 15,000 miles or less.

GEICO’s classic car insurance combines several coverages. It includes liability coverage, medical coverage, uninsured and underinsured motorist coverage, and towing and roadside assistance reimbursement coverage.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Santa Rosa for Customer Service

If cost is not your priority, the following companies offer the best auto insurance in Santa Rosa for customer service:

  • Chubb: MoneyGeek score of 76 out of 100 ($1,784 per year)
  • Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,409 per year)

Chubb topped the list because it offers exceptional claims management and is the second best for customer satisfaction. You are, therefore, more likely to experience great customer experience from the insurer.

Note that Chubb is the most expensive insurer for full coverage among the companies we reviewed. As such, you will need to pay more for a policy to get its quality service.

How was this MoneyGeek score calculated?

Chubb

pros

Outstanding claims experience

Ranks very well for customer satisfaction

OEM, diminished value coverage and classic car insurance are available

cons

Lacks accident forgiveness, gap insurance and deductible modification

COMPANY HIGHLIGHTS

MoneyGeek ranked Chubb as the best auto insurance provider in Santa Rosa for having the highest claims management rating and the second-best customer satisfaction score. Chubb also offers several unique add-on coverage options.

As a policyholder, you automatically qualify for the original equipment manufacturer (OEM) coverage, a coverage option not found with most auto insurance providers. Only OEM parts will be used to repair your car, contributing to better and consistent performance.

Chubb also provides a deductible modification coverage, not commonly offered by other providers, to ensure you get reimbursed an equivalent amount to the agreed value of your car after a total loss due to theft or an accident.

Chubb’s classic car insurance is available for drivers with cars at least 30 years old or vehicles that belong to a larger collection of vehicles or limited production models.

Best Cheap Car Insurance in Santa Rosa

MoneyGeek analyzed service quality and affordability for insurers in Santa Rosa based on minimum coverage car insurance quotes. Based on the findings, the best insurers are:

  • GEICO: MoneyGeek score of 78 out of 100 ($354 per year)
  • Progressive: MoneyGeek score of 67 out of 100 ($460 per year)

Selecting minimum coverage auto insurance can help lower your premium. However, these policies offer the least protection against liability costs and do not include comprehensive and collision coverage. While you may save some dollars with a minimum coverage policy, you may pay a lot out-of-pocket in case of an at-fault accident.

How was this MoneyGeek score calculated?

GEICO

pros

An affordable minimum coverage policy averages $354 per year

Good customer satisfaction

Has anti-lock brakes, daytime running lights, bundling and airbag discounts

cons

Poor score on claims management

Offers no distant student, paperless or pay-in-full discounts

COMPANY HIGHLIGHTS

GEICO is our top selection if you’re looking for the best minimum coverage auto insurance in Santa Rosa. GEICO scored perfectly on affordability and combines this with a good customer satisfaction score, blending service quality with affordability.

Additionally, GEICO provides policyholders with several discount opportunities that further reduce their premium. For instance, if you bundle your car insurance policy with home, mobile home, renters or condo insurance, you will receive a discount. Maintaining a claims-free record, insuring multiple cars or being a full-time student with good performance may also result in discounts from the insurer.

GEICO also offers you a discount if you have daytime running lights, anti-lock brakes, an anti-theft system or airbags installed in your car. If you are a teacher, federal employee or military policyholder deployed in an emergency, you also get a discount from GEICO.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Santa Rosa

As of October 2022, the average yearly cost of full coverage auto insurance in Santa Rosa is $1,326 . The rate applies to a full coverage car insurance policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

On average, auto insurance in Santa Rosa is $61 cheaper than the average cost of auto insurance in California. The rate is also around $61 higher than the national average of $1,265, indicating how your location may influence your actual rates.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.