Compare Santa Clara, CA Car Insurance Rates (2021)

Car insurance in Santa Clara, CA averages $289 a month. Santa Clara, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Santa Clara car insurance rates, compare quotes from the top car insurance companies in Santa Clara, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Santa Clara for teen drivers is USAA
  • Average car insurance rates in Santa Clara, CA are $3,472/year
  • The cheapest ZIP code in Santa Clara is 95051

If you need to buy Santa Clara, California car insurance, the options can be confusing. Everything you need to know about car insurance in Santa Clara, CA is right here.

You’ll find Santa Clara car insurance rates, the cheapest Santa Clara, CA car insurance companies, and information on California car insurance laws. You can also compare Santa Clara, California car insurance rates to Bakersfield car insurance rates, Los Angeles car insurance rates, and Fresno car insurance rates.

Ready to find affordable Santa Clara, CA car insurance today? Enter your ZIP code for fast, free Santa Clara car insurance quotes.

Cheapest Santa Clara, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Santa Clara, CA car insurance rates? Every Santa Clara, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Santa Clara, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,669 $2,667 $1,967 $1,977 $7,559 $9,514 $3,407 $3,725
Farmers $2,510 $2,510 $2,271 $2,271 $8,068 $13,242 $2,982 $3,328
GEICO $1,605 $1,606 $1,509 $1,509 $4,893 $4,974 $2,306 $2,355
Liberty Mutual $2,160 $2,045 $2,019 $1,957 $4,783 $5,089 $2,435 $2,449
Nationwide $3,199 $3,050 $2,801 $2,636 $8,251 $9,077 $3,843 $3,792
Progressive $1,790 $1,845 $1,502 $1,794 $4,769 $5,765 $2,560 $2,756
State Farm $2,897 $2,897 $2,589 $2,589 $5,334 $6,613 $3,208 $3,308
Travelers $2,386 $2,306 $2,117 $2,095 $4,980 $5,676 $3,104 $3,034
USAA $1,882 $1,782 $1,835 $1,842 $4,296 $4,339 $2,617 $2,472

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Minimum Car Insurance in Santa Clara, CA

Every driver must carry the minimum car insurance in Santa Clara, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Santa Clara, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Santa Clara, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Santa Clara, CA to rates for a clean record with top companies.

Annual Santa Clara, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,532 $4,244 $6,647 $3,319
Farmers $3,434 $4,679 $5,830 $4,648
GEICO $1,814 $2,803 $3,512 $2,250
Liberty Mutual $2,490 $3,334 $3,007 $2,637
Nationwide $3,199 $4,098 $6,929 $4,098
Progressive $1,872 $3,168 $3,656 $2,695
State Farm $2,625 $3,131 $5,914 $3,047
Travelers $2,145 $3,490 $4,056 $3,159
USAA $1,750 $2,609 $4,257 $1,917

Cheapest Santa Clara, CA Car Insurance for Teen Drivers

Teen car insurance in Santa Clara, CA can be expensive. Take a look at rates from the top car insurance companies in Santa Clara for teenagers.

Annual Car Insurance Rates for Teen Drivers in Santa Clara, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,559 $9,514
Farmers $8,068 $13,242
GEICO $4,893 $4,974
Liberty Mutual $4,783 $5,089
Nationwide $8,251 $9,077
Progressive $4,769 $5,765
State Farm $5,334 $6,613
Travelers $4,980 $5,676
USAA $4,296 $4,339

Cheapest Santa Clara, CA Car Insurance for Seniors

Take a look at Santa Clara, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Santa Clara, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,967 $1,977
Farmers $2,271 $2,271
GEICO $1,509 $1,509
Liberty Mutual $2,019 $1,957
Nationwide $2,801 $2,636
Progressive $1,502 $1,794
State Farm $2,589 $2,589
Travelers $2,117 $2,095
USAA $1,835 $1,842

Cheapest Santa Clara, CA Car Insurance Rates After a DUI

A DUI in Santa Clara, CA increases car insurance rates. Compare Santa Clara, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Santa Clara, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,647
Farmers $5,830
GEICO $3,512
Liberty Mutual $3,007
Nationwide $6,929
Progressive $3,656
State Farm $5,914
Travelers $4,056
USAA $4,257

Cheapest Santa Clara, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Santa Clara, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Santa Clara, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,781 $4,590
Farmers $4,217 $5,078
GEICO $2,357 $2,832
Liberty Mutual $2,637 $3,098
Nationwide $4,043 $5,119
Progressive $2,579 $3,116
State Farm $3,546 $3,813
Travelers $2,890 $3,535
USAA $2,429 $2,837

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Cheapest Santa Clara, CA Car Insurance Rates by ZIP Code

Santa Clara car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Santa Clara, CA.

Annual Car Insurance Rates by ZIP Code in Santa Clara, California

ZIP Code Average Annual Rates
95050 $4,770
95051 $4,693
95053 $4,864
95054 $4,703

The Best Cheap Car Insurance Companies in Santa Clara, CA

Take a look at a side-by-side comparison of the top car insurance companies in Santa Clara, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Santa Clara, California

Insurance Company Average Annual Rates
Allstate $4,186
Farmers $4,648
GEICO $2,595
Liberty Mutual $2,867
Nationwide $4,581
Progressive $2,848
State Farm $3,680
Travelers $3,212
USAA $2,633

Category Winners: Cheapest Car Insurance in Santa Clara, California

Find the cheapest car insurance companies in Santa Clara, CA for each category right here.

Best Annual Car Insurance Rates by Company in Santa Clara, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Cheapest Santa Clara, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Santa Clara car insurance rates. Find the cheapest Santa Clara, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Santa Clara, California

Insurance Company Low Medium High
Allstate $3,986 $4,219 $4,351
Farmers $4,340 $4,684 $4,919
GEICO $2,377 $2,624 $2,783
Liberty Mutual $2,673 $2,896 $3,032
Nationwide $4,137 $4,668 $4,939
Progressive $2,595 $2,931 $3,017
State Farm $3,327 $3,740 $3,971
Travelers $2,797 $3,307 $3,533
USAA $2,408 $2,681 $2,811

What affects car insurance rates in Santa Clara, California?

What factors can have an impact on Santa Clara, CA car insurance? There are several reasons why Santa Clara car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Santa Clara, California.

Car Theft in Santa Clara

High levels of vehicle theft can make car insurance more expensive. Santa Clara, CA car theft statistics from the FBI indicate 452 vehicle thefts a year.

Commute Time in Santa Clara

The more time you spend in your car the higher the risk of an accident. The average commute length in Santa Clara, CA is 24.7 minutes according to City-Data.

Compare Car Insurance Quotes in Santa Clara, CA

Ready to find affordable Santa Clara, California car insurance today? Enter your ZIP code for fast, free Santa Clara, CA car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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