bestauto insuranceSanta RosaCompare the Cheapest Car Insurance Quotes in Santa Rosa, CA
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.
REVIEW AUTO INSURANCE RATES
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 1/9/2023
Edited By |
Ashley Jacobs
Written By |
Mark Fitzpatrick
GEICO averages the cheapest auto insurance rates in Santa Rosa, but the cheapest for you depends on your profile and coverage. For drivers with tickets, Esurance is the cheapest, while Progressive offers the most affordable minimum coverage. USAA is the cheapest for military families. MoneyGeek found that AAA offers the best balance of affordability and quality service in Santa Rosa.
bestauto insuranceSanta RosaThe Cheapest and Best Car Insurance in Santa Rosa
Cheapest Overall - Esurance
Cheapest State Minimum - USAA
Cheapest With a Driving Violation - Esurance
Best Overall - AAA
Methodology
MoneyGeek ranked insurers in Santa Rosa based on evaluations from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).
The Cheapest Car Insurance Companies in Santa Rosa
A full coverage policy includes liability and comprehensive and collision insurance. In Santa Rosa, the cheapest car insurance companies for full coverage, on average, are:
- Esurance: $993 per year
- Progressive: $1,004 per year
For active military and veterans, USAA’s full coverage policy averages $1,015 annually.
Esurance is up to 36% cheaper than Travelers, the most expensive option at roughly $1,551 yearly.
Full coverage policy prices will vary depending on the liability coverage purchased.
Cheapest Car Insurance in Santa Rosa
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$993
- 2.$1,004
- 3.$1,015
- 4.$1,086
- 5.$1,099
The rates in MoneyGeek’s analysis are based on the profile of a 40-year-old male driver in Santa Rosa with a full coverage policy, as our methodology explains.
A full coverage policy covers the cost of damage to your vehicle, so although you pay a higher premium, you are fully protected. In addition to liability, a full coverage policy has:
- Collision insurance: covers damages resulting from a collision with another car or stationary object.
- Comprehensive insurance: covers damages from risks such as theft.
Minimum coverage may be better for older cars where the vehicle’s value is lower than the cost of a full coverage policy.
Compare Car Insurance Rates in Santa Rosa
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Santa Rosa for Minimum Coverage
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.
Cheapest Minimum Liability Car Insurance in Santa Rosa
State Minimum
- CompanyState Minimumper year
- 1.$407
- 2.$429
- 3.$435
- 4.CSAA$455
- 5.$520
The most affordable car insurance you can buy in Santa Rosa is a state minimum policy with the 15/30/5 coverage required in California. However, this policy has the potential for higher out-of-pocket costs and limited protection.
For instance, your state minimum policy only has $15,000 in bodily injury coverage. If you cause an accident and the medical expenses exceed that limit, you must pay for the additional amount out of pocket.
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.
Cheapest Car Insurance in Santa Rosa if You Have Driving Violations
Car insurance rates in Santa Rosa increase significantly with violations like a DUI, ticket or at-fault accident. For drivers with violations, the most affordable car insurers in Santa Rosa, on average, are:
- Cheapest after a ticket: Esurance, $1,256 per year
- Cheapest after an at-fault accident: CSAA, $1,425 per year
- Cheapest after a DUI: Mercury, $2,174 per year
If you have a military background and a ticket on your record, USAA is cheapest at roughly $1,110 a year.
The cost of your car insurance decreases if you improve your record over time. Until then, it is important to compare quotes and find affordable insurers for drivers with violations.
Cheapest Car Insurance in Santa Rosa With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$1,110
- 2.$1,256
- 3.$1,420
- 4.CSAA$1,425
- 5.$1,557
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.
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.
Compare Car Insurance Rates in Santa Rosa
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Santa Rosa
MoneyGeek looked for the best car insurance companies based on the cost of their policies, how often they receive claims and their customer service. We found that the best car insurance companies in Santa Rosa are:
- AAA: MoneyGeek score of 92 out of 100
- Esurance: MoneyGeek score of 85 out of 100
USAA is not part of our rankings, but its MoneyGeek score is 91 out of 100. Based on its score, it’s the second-best car insurance company in California for veterans and active members of the military as these are the only people who are eligible for a USAA membership.
1
AAA
Score:92
AAA ranks at the top when it comes to affordability with an average annual premium of $1,134 in Santa Rosa. It also ranks well in claims and satisfaction A unique coverage it provides is identity theft coverage.
More About AAA
AAA’s identity theft coverage in Santa Rosa includes several protections. To prevent identity theft, AAA helps you monitor your transactions, credit history, reports and more. They can notify you once something seems strange. If you’ve become a victim of identity theft, AAA can help you investigate your case and bring back your identity.
This coverage will already be added to your policy in Santa Rosa once you’re an AAA member. If you have a premier membership, you can enjoy additional insurance of up to $10,000 that will cover legal fees, electronic fund transfer, lost wages and other expenses you incur due to identity theft.
Read MoneyGeek's AAA auto Insurance Review2
Esurance
Score:85
Esurance gained above-average scores in customer satisfaction and affordability but scored lower in claims. In Santa Rosa, the average annual premium for a 40-year-old driver is $993. One coverage Esurance offers is rideshare insurance.
More About Esurance
Esurance’s rideshare insurance, also known as ShareSmart, guarantees that you’re still protected by your policy even when you’re driving for a ridesharing service. What this coverage does is fill in the gap between your personal policy and your rideshare insurance policy.
Aside from personal coverages, ShareSmart covers collision coverage, comprehensive coverage and liability coverage.
You might need this coverage if you’re driving for a ridesharing company since it’s an added protection for you while you’re at work. This way, you can drive around Santa Rosa safely and peacefully.
Read MoneyGeek's Esurance auto Insurance Review3
GEICO
Score:84
4
Progressive
Score:77
5
MetLife
Score:75
6
State Farm
Score:72
7
Allstate
Score:68
8
Mercury
Score:61
9
Travelers
Score:50
10
Farmers
Score:41
11
Allied
Score:30
12
Hartford
Score:29
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
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.
About the Author
