Car insurance companies in Santa Rosa calculate your premium based on your location, marital status, age, gender and more. To get the best car insurance in Santa Rosa, you should get a customized quote that meets your individual needs.
Compare the Cheapest Car Insurance Quotes in Santa Rosa, CA
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Average Cost of Car Insurance in Santa Rosa
Santa Rosa$1,243
California$1,429
U.S.$1,424
The average annual car insurance rate is relatively affordable in Santa Rosa. The average yearly rate in this city is $1,243, which is 13% less than the California average and 12.7% lower than the U.S. average.
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The Best Cheap Car Insurance Companies in Santa Rosa
The most affordable auto insurance provider in Santa Rosa is Esurance. Its coverage is 56.1% cheaper than the city’s most expensive car insurance company, which is Travelers.
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- CompanyAmountper year
- 1. Esurance$993
- 2. Progressive$1,004
- 3. USAA$1,015
- 4. GEICO$1,086
- 5. MetLife$1,099
Personalized Quotes to Get You the Cheapest Car Insurance in Santa Rosa
Auto insurance providers use a number of elements to compute car insurance quotes in Santa Rosa. These factors include your gender and age, driving record, driving experience and more. Consider the provider State Farm in Santa Rosa — its average rate for 18-year-old customers is almost twice as much as a 40-year-old driver will pay for similar service. We recommend that you get custom quotes at regular intervals to check if you qualify for any savings, rebates or discounts as your circumstances change.
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Cheapest Car Insurance in Santa Rosa by Coverage Amount
How much car insurance coverage you purchase in Santa Rosa also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
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California Minimum Liability Requirements
- ItemDescription
- 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.
Progressive offers both 50/100/50 liability-only and full-coverage packages in Santa Rosa, providing $50,000 of injury coverage per person, up to $100,000 per vehicle, plus $50,000 for property damage. The full-coverage policy covers your own expenses, as well as those of the other driver(s). For this reason, this package costs $343 more on average than a liability-only policy.
Average Car Insurance Premiums by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. USAA$407$519
- 2. Progressive$429$587
- 3. GEICO$435$588
- 4. Esurance$537$629
- 5. CSAA$455$573
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. USAA$962$1,015
- 2. Progressive$930$1,004
- 3. GEICO$1,004$1,086
- 4. Esurance$954$993
- 5. CSAA$1,086$1,134
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Cheapest Car Insurance in Santa Rosa if You Have Tickets
A big advantage of defensive driving is lower car insurance premiums because moving violations increase your auto insurance cost. For example, in Santa Rosa, Esurance customers with a DUI on their record need to pay an average of $1,470 more annually for their coverage compared to drivers with clean records. Similarly, those with a speeding ticket need to cough up an extra $263 per year on average for their policy.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1. Esurance$1,256$1,545$2,463
- 2. USAA$1,110$1,768$2,858
- 3. GEICO$1,600$1,820$2,518
- 4. Progressive$1,904$2,064$2,362
- 5. Mercury$1,737$2,295$2,174
Average Cost of Car Insurance by Postal Code
ZIP code also makes a difference for auto insurance costs because areas with higher numbers of car thefts, accidents and uninsured drivers are riskier to insure. In Santa Rosa auto insurance in the 95404 neighborhood costs around $19 more per year compared to drivers living in ZIP code 95403.
- Zip CodeState Minimumper year
- 95403$1,234
- 95404$1,252
top ratedCar Insurance agentsSanta Rosa2021Top Agents Offering Affordable Car Insurance in Santa Rosa
1. Farmers Insurance - Rob Mokry100 E St, Ste 317, Santa Rosa, CA, 95404
2. Sadler & Company Insurance Brokers902 Stevenson St, Santa Rosa, CA, 95404
3. Eddie Sandoval - State Farm Insurance Agent2780 Stony Point Rd, Ste O, Santa Rosa, CA, 95407
4. Jan Loewen Insurance Services703 2nd St, Ste 305, Santa Rosa, CA, 95404
5. Argos Insurance Services1000 W College Ave, Ste B, Santa Rosa, CA, 95401
Insurance Providers That Serve Santa Rosa
Factors That Impact Insurance Costs in Santa Rosa
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 Rosa. How Santa Rosa ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Shopping around for car insurance in Santa Rosa could save you $250, which is enough to buy:
83Cups of Coffee
19Months of Your Favorite Streaming Service
Methodology and Assumptions
MoneyGeek’s average premium rates for Santa Rosa 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.
Compare Car Insurance Rates in Santa Rosa
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