The cost of auto insurance in Santa Rosa is $1,243 on average, more affordable than the state average. Drivers can get an average rate of $993 from the cheapest option, Esurance. MoneyGeek found the cheapest insurers across coverage levels and driver types. If you’re looking for companies offering quality and affordability, MoneyGeek recommended the best insurers in Santa Rosa.
Compare the Cheapest Car Insurance Quotes in Santa Rosa, CA
The Cheapest and Best Car Insurance in Santa Rosa
The Cheapest Car Insurance Companies in Santa Rosa
Santa Rosa drivers looking for the most affordable companies for a full coverage policy should consider:
- Esurance: $993 per year
- Progressive: $1,004 per year
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.
MoneyGeek evaluated the cheapest companies in Santa Rosa based on a sample driver profile, a 40-year-old male driver whose full coverage policy includes liability insurance and comprehensive and collision insurance.
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Average Cost of Car Insurance in Santa Rosa
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.
The Best Car Insurance Companies in Santa Rosa
MoneyGeek ranked the best insurers for Santa Rosa drivers who value affordability and quality service. The companies with the highest scores for most drivers are:
- AAA: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
USAA received the highest score in Santa Rosa by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
The final scores are out of 100 and are based on MoneyGeek’s scoring system, including J.D. Power user satisfaction, affordability and financial stability.
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.
Shopping around for car insurance in Santa Rosa could save you $250, which is enough to buy:
Cheapest Car Insurance in Santa Rosa by Coverage Amount
Whether you live in Santa Rosa or a different city, the amount of coverage you buy will play a role in determining the price of your auto insurance. The average rate of a policy only meeting state minimums in Santa Rosa is $572 per year. That is $671 cheaper than a full coverage policy, which costs $1,243 on average.
California Minimum Liability Requirements
- 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: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Santa Rosa if You Have Driving Violations
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
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
Top Agents Offering Affordable Car Insurance in 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.
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.
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