Compare Santa Rosa, TX Car Insurance Rates (2021)

Car insurance in Santa Rosa, TX averages $358 a month. Santa Rosa, Texas car insurance requirements are 30/60/25, 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, TX.

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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 Rosa for teen drivers is GEICO
  • The cheapest car insurance company in Santa Rosa is State Farm
  • Average car insurance rates in Santa Rosa, TX are $4,297/year

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

You’ll find Santa Rosa car insurance rates, the cheapest Santa Rosa, TX car insurance companies, and information on Texas car insurance laws. You can also compare Santa Rosa, Texas car insurance rates to Houston car insurance rates, Austin car insurance rates, and Plano car insurance rates.

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

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

How do age, gender, and marital status affect Santa Rosa, TX car insurance rates? Every Santa Rosa, 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 Rosa, 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 $4,209 $4,268 $4,161 $4,161 $10,570 $12,825 $5,200 $5,449
American Family $2,887 $3,209 $2,642 $3,026 $7,308 $9,510 $4,089 $4,635
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 $2,570 $2,453 $2,271 $2,322 $10,279 $11,484 $3,040 $3,081
State Farm $2,000 $2,000 $1,774 $1,774 $4,700 $5,965 $2,168 $2,226
USAA $1,951 $1,987 $1,863 $1,883 $5,210 $5,729 $2,616 $2,849

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Minimum Car Insurance in Santa Rosa, TX

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

Minimum Required Car Insurance Coverage in Santa Rosa, 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 Rosa, TX Car Insurance Rates by Credit Score

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

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

Insurance Company Poor Fair Good
Allstate $8,119 $5,906 $5,042
American Family $6,411 $4,051 $3,527
GEICO $4,761 $2,701 $1,805
Nationwide $6,591 $5,219 $4,530
Progressive $5,317 $4,549 $4,198
State Farm $4,004 $2,490 $1,984
USAA $4,431 $2,551 $2,051

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

Annual Santa Rosa, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,035 $7,550 $7,803 $5,035
American Family $4,270 $5,377 $4,736 $4,270
GEICO $2,624 $3,446 $2,893 $3,394
Nationwide $4,700 $4,700 $7,052 $5,335
Progressive $4,088 $5,260 $4,791 $4,612
State Farm $2,517 $2,878 $3,391 $2,517
USAA $2,256 $3,317 $3,879 $2,593

Cheapest Santa Rosa, TX Car Insurance for Teen Drivers

Teen car insurance in Santa Rosa, TX 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, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,570 $12,825
American Family $7,308 $9,510
GEICO $4,935 $5,054
Nationwide $9,499 $12,319
Progressive $10,279 $11,484
State Farm $4,700 $5,965
USAA $5,210 $5,729

Cheapest Santa Rosa, TX Car Insurance for Seniors

Take a look at Santa Rosa, 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 Rosa, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,161 $4,161
American Family $2,642 $3,026
GEICO $2,299 $2,644
Nationwide $3,050 $3,253
Progressive $2,271 $2,322
State Farm $1,774 $1,774
USAA $1,863 $1,883

Cheapest Santa Rosa, TX Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,803
American Family $4,736
GEICO $2,893
Nationwide $7,052
Progressive $4,791
State Farm $3,391
USAA $3,879

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Cheapest Santa Rosa, TX Car Insurance Rates by Commute Length

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,206 $6,505
American Family $4,663 $4,663
GEICO $3,027 $3,151
Nationwide $5,447 $5,447
Progressive $4,688 $4,688
State Farm $2,826 $2,826
USAA $2,971 $3,050

The Best Cheap Car Insurance Companies in Santa Rosa, TX

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

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

Insurance Company Average Annual Rates
Allstate $6,355
American Family $4,663
GEICO $3,089
Nationwide $5,447
Progressive $4,688
State Farm $2,826
USAA $3,011

Category Winners: Cheapest Car Insurance in Santa Rosa, Texas

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

Best Annual Car Insurance Rates by Company in Santa Rosa, 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 State Farm

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

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

Insurance Company Low Medium High
Allstate $6,202 $6,298 $6,566
American Family $4,293 $4,461 $5,237
GEICO $2,854 $3,017 $3,396
Nationwide $5,795 $5,197 $5,347
Progressive $4,404 $4,663 $4,995
State Farm $2,646 $2,805 $3,027
USAA $2,892 $2,994 $3,146

What affects car insurance rates in Santa Rosa, Texas?

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

Car Theft in Santa Rosa

High levels of vehicle theft can make car insurance more expensive. Santa Rosa, TX car theft statistics from the FBI indicate 0 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, TX is 14.1 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, TX traffic data from INRIX ranks Santa Rosa as the 155th-most congested in the world.

Compare Car Insurance Quotes in Santa Rosa, TX

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

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