Compare Santa Maria, CA Car Insurance Rates (2021)

Car insurance in Santa Maria, CA averages $245 a month. Santa Maria, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Santa Maria car insurance rates, compare quotes from the top car insurance companies in Santa Maria, 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 Maria is Progressive
  • Average car insurance rates in Santa Maria, CA are $2,943/year
  • The cheapest car insurance company in Santa Maria for teen drivers is USAA

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

You’ll find Santa Maria car insurance rates, the cheapest Santa Maria, CA car insurance companies, and information on California car insurance laws. You can also compare Santa Maria, California car insurance rates to San Diego car insurance rates, Oakland car insurance rates, and Los Angeles car insurance rates.

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

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

How do age, gender, and marital status affect Santa Maria, CA car insurance rates? Every Santa Maria, 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 Maria, 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 $2,212 $2,213 $1,627 $1,643 $6,153 $7,736 $2,832 $3,110
Farmers $1,896 $1,896 $1,718 $1,718 $6,017 $9,813 $2,245 $2,500
GEICO $1,532 $1,533 $1,441 $1,441 $4,649 $4,724 $2,199 $2,246
Liberty Mutual $1,865 $1,762 $1,739 $1,684 $4,025 $4,299 $2,095 $2,119
Nationwide $2,578 $2,463 $2,255 $2,128 $6,509 $7,179 $3,069 $3,036
Progressive $1,451 $1,493 $1,227 $1,456 $3,805 $4,592 $2,076 $2,231
State Farm $2,753 $2,753 $2,460 $2,460 $5,050 $6,259 $3,047 $3,143
Travelers $2,122 $2,059 $1,882 $1,861 $4,292 $4,944 $2,751 $2,693
USAA $1,715 $1,627 $1,675 $1,684 $3,870 $3,901 $2,379 $2,250

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Minimum Car Insurance in Santa Maria, CA

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

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

Annual Santa Maria, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,085 $3,494 $5,456 $2,727
Farmers $2,572 $3,501 $4,355 $3,474
GEICO $1,728 $2,666 $3,346 $2,143
Liberty Mutual $2,125 $2,847 $2,571 $2,252
Nationwide $2,555 $3,269 $5,515 $3,269
Progressive $1,508 $2,545 $2,946 $2,167
State Farm $2,489 $2,970 $5,614 $2,890
Travelers $1,908 $3,058 $3,564 $2,771
USAA $1,589 $2,359 $3,862 $1,740

Cheapest Santa Maria, CA Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,153 $7,736
Farmers $6,017 $9,813
GEICO $4,649 $4,724
Liberty Mutual $4,025 $4,299
Nationwide $6,509 $7,179
Progressive $3,805 $4,592
State Farm $5,050 $6,259
Travelers $4,292 $4,944
USAA $3,870 $3,901

Cheapest Santa Maria, CA Car Insurance for Seniors

Take a look at Santa Maria, 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 Maria, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,627 $1,643
Farmers $1,718 $1,718
GEICO $1,441 $1,441
Liberty Mutual $1,739 $1,684
Nationwide $2,255 $2,128
Progressive $1,227 $1,456
State Farm $2,460 $2,460
Travelers $1,882 $1,861
USAA $1,675 $1,684

Cheapest Santa Maria, CA Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,456
Farmers $4,355
GEICO $3,346
Liberty Mutual $2,571
Nationwide $5,515
Progressive $2,946
State Farm $5,614
Travelers $3,564
USAA $3,862

Cheapest Santa Maria, CA Car Insurance Rates by Commute Length

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,110 $3,771
Farmers $3,154 $3,797
GEICO $2,244 $2,697
Liberty Mutual $2,249 $2,648
Nationwide $3,227 $4,077
Progressive $2,080 $2,502
State Farm $3,364 $3,617
Travelers $2,546 $3,105
USAA $2,202 $2,573

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Cheapest Santa Maria, CA Car Insurance Rates by ZIP Code

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

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

ZIP Code Average Annual Rates
93454 $3,978
93458 $4,029

The Best Cheap Car Insurance Companies in Santa Maria, CA

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

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

Insurance Company Average Annual Rates
Allstate $3,441
Farmers $3,475
GEICO $2,471
Liberty Mutual $2,449
Nationwide $3,652
Progressive $2,291
State Farm $3,491
Travelers $2,825
USAA $2,388

Category Winners: Cheapest Car Insurance in Santa Maria, California

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

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

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

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Cheapest Santa Maria, CA Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $3,277 $3,468 $3,577
Farmers $3,222 $3,503 $3,701
GEICO $2,224 $2,500 $2,688
Liberty Mutual $2,276 $2,470 $2,600
Nationwide $3,294 $3,712 $3,951
Progressive $2,077 $2,356 $2,442
State Farm $3,170 $3,544 $3,758
Travelers $2,503 $2,895 $3,079
USAA $2,187 $2,430 $2,546

What affects car insurance rates in Santa Maria, California?

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

Car Theft in Santa Maria

High levels of vehicle theft can make car insurance more expensive. Santa Maria, CA car theft statistics from the FBI indicate 576 vehicle thefts a year.

Commute Time in Santa Maria

The more time you spend in your car the higher the risk of an accident. The average commute length in Santa Maria, CA is 21.7 minutes according to City-Data.

Compare Car Insurance Quotes in Santa Maria, CA

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

Free Car Insurance Comparison

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