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.
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.
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.
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.
Compare minimum and full coverage policies.
Find a match
Get matched with an insurer in Santa Rosa.
Save hundreds of dollars per year.
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.
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.
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.
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.
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?
Second-lowest rate in Santa Rosa for a full coverage policy
Good satisfaction score
Offers mechanical breakdown and classic car insurance
Subpar claims management score
No gap insurance, deductible modification or new car replacement
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.
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?
Outstanding claims experience
Ranks very well for customer satisfaction
OEM, diminished value coverage and classic car insurance are available
Lacks accident forgiveness, gap insurance and deductible modification
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?
An affordable minimum coverage policy averages $354 per year
Good customer satisfaction
Has anti-lock brakes, daytime running lights, bundling and airbag discounts
Poor score on claims management
Offers no distant student, paperless or pay-in-full discounts
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.
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