Compare Santa Rosa, CA Car Insurance Rates (2021)

Car insurance in Santa Rosa, CA averages $294 a month. Santa Rosa, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Santa Rosa car insurance rates, compare quotes from the top car insurance companies in Santa Rosa, 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 ZIP code in Santa Rosa is 95403
  • The cheapest car insurance company in Santa Rosa for teen drivers is USAA
  • The cheapest car insurance company in Santa Rosa is USAA

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

You’ll find Santa Rosa car insurance rates, the cheapest Santa Rosa, CA car insurance companies, and information on California car insurance laws. You can also compare Santa Rosa, California car insurance rates to San Francisco car insurance rates, Long Beach car insurance rates, and Los Angeles car insurance rates.

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

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

How do age, gender, and marital status affect Santa Rosa, CA car insurance rates? Every Santa Rosa, 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 Rosa, 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 $2,606 $2,607 $1,913 $1,929 $7,314 $9,205 $3,338 $3,664
Farmers $2,579 $2,579 $2,328 $2,328 $8,244 $13,518 $3,058 $3,408
GEICO $1,659 $1,660 $1,560 $1,560 $5,061 $5,146 $2,385 $2,436
Liberty Mutual $2,227 $2,117 $2,069 $2,007 $4,948 $5,228 $2,523 $2,530
Nationwide $3,018 $2,879 $2,645 $2,491 $7,739 $8,524 $3,618 $3,570
Progressive $1,744 $1,797 $1,468 $1,750 $4,638 $5,608 $2,500 $2,691
State Farm $3,421 $3,421 $3,058 $3,058 $6,306 $7,807 $3,791 $3,911
Travelers $2,427 $2,350 $2,149 $2,126 $5,008 $5,769 $3,168 $3,096
USAA $1,843 $1,746 $1,798 $1,806 $4,188 $4,228 $2,561 $2,421

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Minimum Car Insurance in Santa Rosa, CA

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

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

Annual Santa Rosa, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,460 $4,134 $6,470 $3,225
Farmers $3,514 $4,787 $5,965 $4,755
GEICO $1,876 $2,899 $3,632 $2,327
Liberty Mutual $2,566 $3,440 $3,100 $2,719
Nationwide $3,011 $3,857 $6,516 $3,857
Progressive $1,822 $3,085 $3,569 $2,622
State Farm $3,102 $3,699 $6,985 $3,600
Travelers $2,181 $3,537 $4,128 $3,201
USAA $1,711 $2,548 $4,162 $1,874

Cheapest Santa Rosa, CA Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,314 $9,205
Farmers $8,244 $13,518
GEICO $5,061 $5,146
Liberty Mutual $4,948 $5,228
Nationwide $7,739 $8,524
Progressive $4,638 $5,608
State Farm $6,306 $7,807
Travelers $5,008 $5,769
USAA $4,188 $4,228

Cheapest Santa Rosa, CA Car Insurance for Seniors

Take a look at Santa Rosa, 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 Rosa, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,913 $1,929
Farmers $2,328 $2,328
GEICO $1,560 $1,560
Liberty Mutual $2,069 $2,007
Nationwide $2,645 $2,491
Progressive $1,468 $1,750
State Farm $3,058 $3,058
Travelers $2,149 $2,126
USAA $1,798 $1,806

Cheapest Santa Rosa, CA Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,470
Farmers $5,965
GEICO $3,632
Liberty Mutual $3,100
Nationwide $6,516
Progressive $3,569
State Farm $6,985
Travelers $4,128
USAA $4,162

Cheapest Santa Rosa, CA Car Insurance Rates by Commute Length

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,678 $4,466
Farmers $4,315 $5,196
GEICO $2,437 $2,929
Liberty Mutual $2,716 $3,196
Nationwide $3,807 $4,814
Progressive $2,516 $3,033
State Farm $4,190 $4,502
Travelers $2,932 $3,591
USAA $2,374 $2,773

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Cheapest Santa Rosa, CA Car Insurance Rates by ZIP Code

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

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

ZIP Code Average Annual Rates
95401 $4,917
95403 $4,720
95404 $4,839
95405 $4,776
95407 $5,052
95409 $4,748

The Best Cheap Car Insurance Companies in Santa Rosa, CA

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

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

Insurance Company Average Annual Rates
Allstate $4,072
Farmers $4,755
GEICO $2,683
Liberty Mutual $2,956
Nationwide $4,310
Progressive $2,775
State Farm $4,346
Travelers $3,262
USAA $2,574

Category Winners: Cheapest Car Insurance in Santa Rosa, California

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

Best Annual Car Insurance Rates by Company in Santa Rosa, 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 Rosa, CA Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $3,877 $4,105 $4,235
Farmers $4,434 $4,791 $5,040
GEICO $2,453 $2,713 $2,884
Liberty Mutual $2,778 $2,981 $3,110
Nationwide $3,881 $4,391 $4,658
Progressive $2,522 $2,854 $2,948
State Farm $3,947 $4,417 $4,675
Travelers $2,881 $3,347 $3,558
USAA $2,357 $2,619 $2,744

What affects car insurance rates in Santa Rosa, California?

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

Car Theft in Santa Rosa

High levels of vehicle theft can make car insurance more expensive. Santa Rosa, CA car theft statistics from the FBI indicate 392 vehicle thefts a year.

Commute Time in Santa Rosa

The more time you spend in your car the higher the risk of an accident. The average commute length in Santa Rosa, CA is 23.2 minutes according to City-Data.

Traffic in Santa Rosa

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Santa Rosa, CA traffic data from INRIX ranks Santa Rosa as the 155th-most congested in the world.

Compare Car Insurance Quotes in Santa Rosa, CA

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