Cheapest and Best Car Insurance Companies in Santa Rosa, CA

Based on the latest quotes for 2023, GEICO is the most affordable car insurance company for minimum coverage in Santa Rosa, CA. GEICO also has the best overall auto insurance, blending a low premium with good service.

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 + BestCar InsuranceSanta Rosa

2023

Cheapest and Best Car Insurance in Santa Rosa, CA

Cheapest Overall - GEICO

Cheapest Full Coverage - National General

Cheapest After Driving Offense - National General

Cheapest for Teens - Farmers

Cheapest for Military - USAA

Best Overall - GEICO

Best for Customer Service - Chubb

Best Cheap - GEICO

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.

Age Group

Coverage

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.

Age Group

Coverage

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.

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.

Age Group

Coverage

Incident

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.

Age

Gender

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.

Age Group

Coverage

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.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

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

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

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?

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?

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?

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 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.

Cheapest and Best Car Insurance Companies in Santa Rosa, CA

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On This Page:

Cheapest Minimum Liability Car Insurance in Santa Rosa

Cheapest Full Coverage Car Insurance in Santa Rosa

Cheapest Car Insurance in Santa Rosa After a Driving Offense

Cheapest Car Insurance in Santa Rosa for Teens and Their Families

Cheapest Car Insurance in Santa Rosa for Military Drivers

How to Compare Cheap Santa Rosa Car Insurance Quotes Online

Best Car Insurance in Santa Rosa: Summary

Best Overall Car Insurance in Santa Rosa

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Santa Rosa for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Santa Rosa

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Santa Rosa