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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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Company
Amountper year
1. Esurance
In 2021, Esurance ranked #1 in Santa Rosa for the cheapest car insurance for the average driver.
$993
2. Progressive
In 2021, Progressive ranked #2 in Santa Rosa for the cheapest car insurance for the average driver.
$1,004
3. USAA
In 2021, USAA ranked #3 in Santa Rosa for the cheapest car insurance for the average driver.
$1,015
4. GEICO
In 2021, GEICO ranked #4 in Santa Rosa for the cheapest car insurance for the average driver.
$1,086
5. MetLife
In 2021, MetLife ranked #5 in Santa Rosa for the cheapest car insurance for the average driver.
$1,099
6. Allstate
In 2021, Allstate ranked #6 in Santa Rosa for the cheapest car insurance for the average driver.
$1,104
7. CSAA
In 2021, CSAA ranked #7 in Santa Rosa for the cheapest car insurance for the average driver.
$1,134
8. State Farm
In 2021, State Farm ranked #8 in Santa Rosa for the cheapest car insurance for the average driver.
$1,254
9. Mercury
In 2021, Mercury ranked #9 in Santa Rosa for the cheapest car insurance for the average driver.
$1,324
10. Allied
In 2021, Allied ranked #10 in Santa Rosa for the cheapest car insurance for the average driver.
$1,431
11. Hartford
In 2021, Hartford ranked #11 in Santa Rosa for the cheapest car insurance for the average driver.
$1,461
12. Farmers
In 2021, Farmers ranked #12 in Santa Rosa for the cheapest car insurance for the average driver.
$1,477
13. Travelers
In 2021, Travelers ranked #13 in Santa Rosa for the cheapest car insurance for the average driver.
$1,551

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.

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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
6. MetLife$547$740
7. Allstate$644$729
8. State Farm$584$783
9. Mercury$520$723
10. Allied$642$822
11. Travelers$593$813
12. Hartford$719$905
13. Farmers$760$890
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
6. MetLife$1,024$1,099
7. Allstate$1,050$1,104
8. State Farm$1,131$1,254
9. Mercury$1,239$1,324
10. Allied$1,333$1,431
11. Travelers$1,451$1,551
12. Hartford$1,369$1,461
13. Farmers$1,378$1,477
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.

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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
6. CSAA$1,425$1,425$4,032
7. Allstate$1,557$1,955$3,437
8. Farmers$2,028$2,534$2,534
9. State Farm$1,843$1,920$3,849
10. Allied$2,002$2,296$3,446
11. Travelers$2,297$2,537$3,180
12. MetLife$1,420$1,847$6,880
13. Hartford$2,271$3,152$5,329

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
iconribbontop ratedCar Insurance agentsSanta Rosa2021

Top Agents Offering Affordable Car Insurance in Santa Rosa

1. Farmers Insurance - Rob Mokry100 E St, Ste 317, Santa Rosa, CA, 95404
27 ratings
2. Sadler & Company Insurance Brokers902 Stevenson St, Santa Rosa, CA, 95404
22 ratings
3. Eddie Sandoval - State Farm Insurance Agent2780 Stony Point Rd, Ste O, Santa Rosa, CA, 95407
7 ratings
4. Jan Loewen Insurance Services703 2nd St, Ste 305, Santa Rosa, CA, 95404
6 ratings
5. Argos Insurance Services1000 W College Ave, Ste B, Santa Rosa, CA, 95401
5 ratings

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.

accident2 icon
Most Accidents With Fatalities216th/300
handcuffs2 icon
Most Car Thefts63rd/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall242nd/300
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Most Rainy Days244th/300

Shopping around for car insurance in Santa Rosa could save you $250, which is enough to buy:


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83Cups of Coffee
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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 overage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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.

Insurance Rates