Compare Santa Monica, CA Car Insurance Rates (2022)

Car insurance in Santa Monica, CA averages $397 a month. Santa Monica, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Santa Monica car insurance rates, compare quotes from the top car insurance companies in Santa Monica, 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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Written by Laura Berry
Former Insurance Agent Laura Berry

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® Joel Ohman

UPDATED: Jun 22, 2022

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Here's What You Need to Know

  • The cheapest car insurance company in Santa Monica is USAA
  • The cheapest car insurance company in Santa Monica for teen drivers is USAA
  • The cheapest ZIP code in Santa Monica is 90405

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

You’ll find Santa Monica car insurance rates, the cheapest Santa Monica, CA car insurance companies, and information on California car insurance laws. You can also compare Santa Monica, California car insurance rates to Sacramento car insurance rates, Fresno car insurance rates, and Anaheim car insurance rates.

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

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

How do age, gender, and marital status affect Santa Monica, CA car insurance rates? Every Santa Monica, 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 Monica, 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 $4,419 $4,396 $3,211 $3,215 $12,586 $15,793 $5,587 $6,046
Farmers $3,589 $3,589 $3,262 $3,262 $11,508 $18,734 $4,261 $4,754
GEICO $2,206 $2,206 $2,073 $2,073 $6,750 $6,855 $3,174 $3,235
Liberty Mutual $3,014 $2,824 $2,832 $2,731 $6,514 $7,040 $3,366 $3,430
Nationwide $4,238 $4,038 $3,721 $3,499 $10,919 $12,060 $5,067 $4,992
Progressive $2,201 $2,267 $1,885 $2,236 $5,995 $7,222 $3,202 $3,446
State Farm $3,724 $3,724 $3,331 $3,331 $6,909 $8,579 $4,125 $4,252
Travelers $3,151 $3,034 $2,779 $2,751 $6,773 $7,632 $4,119 $4,019
USAA $2,284 $2,160 $2,225 $2,231 $5,268 $5,299 $3,163 $2,985

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Minimum Car Insurance in Santa Monica, CA

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

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

Annual Santa Monica, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,150 $6,973 $11,050 $5,454
Farmers $4,903 $6,669 $8,289 $6,618
GEICO $2,492 $3,868 $4,832 $3,093
Liberty Mutual $3,446 $4,610 $4,167 $3,652
Nationwide $4,224 $5,424 $9,195 $5,424
Progressive $2,316 $3,963 $4,606 $3,343
State Farm $3,391 $4,042 $7,621 $3,933
Travelers $2,801 $4,695 $5,418 $4,216
USAA $2,122 $3,173 $5,186 $2,326

Cheapest Santa Monica, CA Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,586 $15,793
Farmers $11,508 $18,734
GEICO $6,750 $6,855
Liberty Mutual $6,514 $7,040
Nationwide $10,919 $12,060
Progressive $5,995 $7,222
State Farm $6,909 $8,579
Travelers $6,773 $7,632
USAA $5,268 $5,299

Cheapest Santa Monica, CA Car Insurance for Seniors

Take a look at Santa Monica, 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 Monica, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,211 $3,215
Farmers $3,262 $3,262
GEICO $2,073 $2,073
Liberty Mutual $2,832 $2,731
Nationwide $3,721 $3,499
Progressive $1,885 $2,236
State Farm $3,331 $3,331
Travelers $2,779 $2,751
USAA $2,225 $2,231

Cheapest Santa Monica, CA Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $11,050
Farmers $8,289
GEICO $4,832
Liberty Mutual $4,167
Nationwide $9,195
Progressive $4,606
State Farm $7,621
Travelers $5,418
USAA $5,186

Cheapest Santa Monica, CA Car Insurance Rates by Commute Length

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,210 $7,603
Farmers $6,004 $7,236
GEICO $3,244 $3,899
Liberty Mutual $3,641 $4,297
Nationwide $5,349 $6,784
Progressive $3,226 $3,888
State Farm $4,573 $4,920
Travelers $3,846 $4,719
USAA $2,950 $3,454

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Cheapest Santa Monica, CA Car Insurance Rates by ZIP Code

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

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

ZIP Code Average Annual Rates
90401 $6,707
90402 $7,028
90403 $6,615
90404 $6,603
90405 $6,316

The Best Cheap Car Insurance Companies in Santa Monica, CA

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

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

Insurance Company Average Annual Rates
Allstate $6,907
Farmers $6,620
GEICO $3,571
Liberty Mutual $3,969
Nationwide $6,067
Progressive $3,557
State Farm $4,747
Travelers $4,282
USAA $3,202

Category Winners: Cheapest Car Insurance in Santa Monica, California

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

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

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

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Cheapest Santa Monica, CA Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $6,457 $6,978 $7,285
Farmers $6,120 $6,680 $7,060
GEICO $3,219 $3,615 $3,881
Liberty Mutual $3,639 $4,010 $4,257
Nationwide $5,414 $6,181 $6,605
Progressive $3,155 $3,670 $3,845
State Farm $4,237 $4,837 $5,166
Travelers $3,634 $4,418 $4,794
USAA $2,888 $3,268 $3,450

What affects car insurance rates in Santa Monica, California?

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

Car Theft in Santa Monica

High levels of vehicle theft can make car insurance more expensive. Santa Monica, CA car theft statistics from the FBI indicate 235 vehicle thefts a year.

Commute Time in Santa Monica

The more time you spend in your car the higher the risk of an accident. The average commute length in Santa Monica, CA is 26.1 minutes according to City-Data.

Compare Car Insurance Quotes in Santa Monica, CA

Ready to find affordable Santa Monica, California car insurance today? Enter your ZIP code for fast, free Santa Monica, 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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