Compare Santa Cruz, CA Car Insurance Rates (2021)

Car insurance in Santa Cruz, CA averages $290 a month. Santa Cruz, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Santa Cruz car insurance rates, compare quotes from the top car insurance companies in Santa Cruz, CA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 ZIP code in Santa Cruz is 95060
  • Average car insurance rates in Santa Cruz, CA are $3,483/year
  • Average car insurance rates in Santa Cruz, CA after a DUI are $4,896/year

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

You’ll find Santa Cruz car insurance rates, the cheapest Santa Cruz, CA car insurance companies, and information on California car insurance laws. You can also compare Santa Cruz, California car insurance rates to San Jose car insurance rates, San Diego car insurance rates, and Fresno car insurance rates.

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

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

How do age, gender, and marital status affect Santa Cruz, CA car insurance rates? Every Santa Cruz, 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 Cruz, 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 $2,354 $2,352 $1,733 $1,744 $6,594 $8,287 $2,998 $3,278
Farmers $2,319 $2,319 $2,095 $2,095 $7,424 $12,186 $2,752 $3,068
GEICO $1,724 $1,725 $1,621 $1,621 $5,241 $5,328 $2,476 $2,529
Liberty Mutual $2,053 $1,943 $1,915 $1,857 $4,500 $4,793 $2,311 $2,329
Nationwide $3,496 $3,333 $3,053 $2,874 $9,012 $9,919 $4,193 $4,143
Progressive $1,957 $2,020 $1,625 $1,952 $5,172 $6,293 $2,803 $3,025
State Farm $2,878 $2,878 $2,572 $2,572 $5,283 $6,537 $3,188 $3,290
Travelers $2,391 $2,315 $2,117 $2,094 $4,937 $5,664 $3,114 $3,045
USAA $2,096 $1,986 $2,039 $2,049 $4,801 $4,853 $2,917 $2,757

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Minimum Car Insurance in Santa Cruz, CA

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

Minimum Required Car Insurance Coverage in Santa Cruz, 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 Cruz, 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 Cruz, CA to rates for a clean record with top companies.

Annual Santa Cruz, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,224 $3,716 $5,821 $2,909
Farmers $3,163 $4,311 $5,372 $4,282
GEICO $1,945 $3,006 $3,769 $2,413
Liberty Mutual $2,355 $3,154 $2,846 $2,495
Nationwide $3,491 $4,473 $7,575 $4,473
Progressive $2,040 $3,446 $4,002 $2,936
State Farm $2,603 $3,105 $5,869 $3,022
Travelers $2,146 $3,484 $4,057 $3,151
USAA $1,949 $2,912 $4,752 $2,136

Cheapest Santa Cruz, CA Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,594 $8,287
Farmers $7,424 $12,186
GEICO $5,241 $5,328
Liberty Mutual $4,500 $4,793
Nationwide $9,012 $9,919
Progressive $5,172 $6,293
State Farm $5,283 $6,537
Travelers $4,937 $5,664
USAA $4,801 $4,853

Cheapest Santa Cruz, CA Car Insurance for Seniors

Take a look at Santa Cruz, 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 Cruz, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,733 $1,744
Farmers $2,095 $2,095
GEICO $1,621 $1,621
Liberty Mutual $1,915 $1,857
Nationwide $3,053 $2,874
Progressive $1,625 $1,952
State Farm $2,572 $2,572
Travelers $2,117 $2,094
USAA $2,039 $2,049

Cheapest Santa Cruz, CA Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,821
Farmers $5,372
GEICO $3,769
Liberty Mutual $2,846
Nationwide $7,575
Progressive $4,002
State Farm $5,869
Travelers $4,057
USAA $4,752

Cheapest Santa Cruz, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Santa Cruz, 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 Cruz, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,312 $4,023
Farmers $3,886 $4,678
GEICO $2,528 $3,038
Liberty Mutual $2,493 $2,932
Nationwide $4,412 $5,594
Progressive $2,817 $3,395
State Farm $3,519 $3,781
Travelers $2,887 $3,532
USAA $2,710 $3,165

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Cheapest Santa Cruz, CA Car Insurance Rates by ZIP Code

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

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

ZIP Code Average Annual Rates
95060 $4,247
95064 $4,761

The Best Cheap Car Insurance Companies in Santa Cruz, CA

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

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

Insurance Company Average Annual Rates
Allstate $3,668
Farmers $4,282
GEICO $2,783
Liberty Mutual $2,713
Nationwide $5,003
Progressive $3,106
State Farm $3,650
Travelers $3,210
USAA $2,937

Category Winners: Cheapest Car Insurance in Santa Cruz, California

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

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

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

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Cheapest Santa Cruz, CA Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $3,480 $3,699 $3,824
Farmers $3,999 $4,314 $4,533
GEICO $2,506 $2,816 $3,028
Liberty Mutual $2,530 $2,739 $2,869
Nationwide $4,532 $5,092 $5,384
Progressive $2,870 $3,182 $3,265
State Farm $3,333 $3,704 $3,913
Travelers $2,819 $3,295 $3,514
USAA $2,684 $2,991 $3,137

What affects car insurance rates in Santa Cruz, California?

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

Car Theft in Santa Cruz

High levels of vehicle theft can make car insurance more expensive. Santa Cruz, CA car theft statistics from the FBI indicate 261 vehicle thefts a year.

Commute Time in Santa Cruz

The more time you spend in your car the higher the risk of an accident. The average commute length in Santa Cruz, CA is 23.5 minutes according to City-Data.

Traffic in Santa Cruz

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Santa Cruz, CA traffic data from INRIX ranks Santa Cruz as the 350th-most congested in the world.

Compare Car Insurance Quotes in Santa Cruz, CA

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

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

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