Compare Santa Maria, TX Car Insurance Rates (2021)

Car insurance in Santa Maria, TX averages $359 a month. Santa Maria, Texas car insurance requirements are 30/60/25, 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, TX.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Santa Maria, TX after a DUI are $4,933/year
  • Average car insurance rates in Santa Maria, TX are $4,313/year
  • The cheapest car insurance company in Santa Maria is State Farm

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

You’ll find Santa Maria car insurance rates, the cheapest Santa Maria, TX car insurance companies, and information on Texas car insurance laws. You can also compare Santa Maria, Texas car insurance rates to Corpus Christi car insurance rates, Arlington car insurance rates, and Dallas car insurance rates.

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

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

How do age, gender, and marital status affect Santa Maria, TX car insurance rates? Every Santa Maria, Texas 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, Texas

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 $3,713 $3,770 $3,673 $3,673 $9,324 $11,329 $4,597 $4,825
American Family $3,026 $3,359 $2,749 $3,145 $7,556 $9,854 $4,268 $4,841
GEICO $2,329 $2,526 $2,299 $2,644 $4,935 $5,054 $2,493 $2,430
Nationwide $3,468 $3,543 $3,050 $3,253 $9,499 $12,319 $4,042 $4,399
Progressive $2,882 $2,761 $2,533 $2,595 $11,288 $12,619 $3,415 $3,465
State Farm $2,104 $2,104 $1,866 $1,866 $4,944 $6,274 $2,282 $2,342
USAA $1,959 $1,994 $1,871 $1,890 $5,236 $5,757 $2,626 $2,860

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in Santa Maria, TX

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

Minimum Required Car Insurance Coverage in Santa Maria, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Santa Maria, TX Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Santa Maria, TX. Compare credit history car insurance rates in Santa Maria from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Santa Maria, Texas

Insurance Company Poor Fair Good
Allstate $7,174 $5,216 $4,449
American Family $6,688 $4,203 $3,659
GEICO $4,761 $2,701 $1,805
Nationwide $6,591 $5,219 $4,530
Progressive $5,917 $5,034 $4,634
State Farm $4,214 $2,619 $2,085
USAA $4,451 $2,562 $2,060

Cheapest Santa Maria, TX 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, TX to rates for a clean record with top companies.

Annual Santa Maria, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,458 $6,654 $6,882 $4,458
American Family $4,443 $5,589 $4,923 $4,443
GEICO $2,624 $3,446 $2,893 $3,394
Nationwide $4,700 $4,700 $7,052 $5,335
Progressive $4,527 $5,812 $5,320 $5,120
State Farm $2,648 $3,028 $3,568 $2,648
USAA $2,265 $3,331 $3,896 $2,604

Cheapest Santa Maria, TX Car Insurance for Teen Drivers

Teen car insurance in Santa Maria, TX 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, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,324 $11,329
American Family $7,556 $9,854
GEICO $4,935 $5,054
Nationwide $9,499 $12,319
Progressive $11,288 $12,619
State Farm $4,944 $6,274
USAA $5,236 $5,757

Cheapest Santa Maria, TX Car Insurance for Seniors

Take a look at Santa Maria, TX 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, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,673 $3,673
American Family $2,749 $3,145
GEICO $2,299 $2,644
Nationwide $3,050 $3,253
Progressive $2,533 $2,595
State Farm $1,866 $1,866
USAA $1,871 $1,890

Cheapest Santa Maria, TX Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,882
American Family $4,923
GEICO $2,893
Nationwide $7,052
Progressive $5,320
State Farm $3,568
USAA $3,896

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Santa Maria, TX Car Insurance Rates by Commute Length

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,485 $5,740
American Family $4,850 $4,850
GEICO $3,027 $3,151
Nationwide $5,447 $5,447
Progressive $5,195 $5,195
State Farm $2,973 $2,973
USAA $2,985 $3,064

The Best Cheap Car Insurance Companies in Santa Maria, TX

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

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

Insurance Company Average Annual Rates
Allstate $5,613
American Family $4,850
GEICO $3,089
Nationwide $5,447
Progressive $5,195
State Farm $2,973
USAA $3,024

Category Winners: Cheapest Car Insurance in Santa Maria, Texas

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

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

Category Insurance Company
Teenagers GEICO
Seniors State Farm
Clean Record USAA
With 1 Accident State Farm
With 1 DUI GEICO
With 1 Speeding Violation USAA

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Santa Maria, TX 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, TX car insurance rates by coverage level.

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

Insurance Company Low Medium High
Allstate $5,482 $5,564 $5,792
American Family $4,472 $4,643 $5,433
GEICO $2,854 $3,017 $3,396
Nationwide $5,795 $5,197 $5,347
Progressive $4,864 $5,168 $5,553
State Farm $2,782 $2,950 $3,187
USAA $2,905 $3,007 $3,160

What affects car insurance rates in Santa Maria, Texas?

What factors can have an impact on Santa Maria, TX 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, Texas.

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, TX is 19.9 minutes according to City-Data.

Compare Car Insurance Quotes in Santa Maria, TX

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption