Compare Santa Ynez, CA Car Insurance Rates (2021)

Car insurance in Santa Ynez, CA averages $246 a month. Santa Ynez, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Santa Ynez car insurance rates, compare quotes from the top car insurance companies in Santa Ynez, 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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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

  • Average car insurance rates in Santa Ynez, CA after a DUI are $4,160/year
  • The cheapest car insurance company in Santa Ynez for teen drivers is USAA
  • The cheapest car insurance company in Santa Ynez is Liberty Mutual

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

You’ll find Santa Ynez car insurance rates, the cheapest Santa Ynez, CA car insurance companies, and information on California car insurance laws. You can also compare Santa Ynez, California car insurance rates to San Diego car insurance rates, Sacramento car insurance rates, and San Jose car insurance rates.

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

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

How do age, gender, and marital status affect Santa Ynez, CA car insurance rates? Every Santa Ynez, 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 Ynez, 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 $2,475 $2,469 $1,814 $1,823 $6,868 $8,614 $3,132 $3,409
Farmers $1,632 $1,632 $1,476 $1,476 $5,169 $8,450 $1,932 $2,151
GEICO $1,575 $1,576 $1,482 $1,482 $4,797 $4,884 $2,262 $2,315
Liberty Mutual $1,851 $1,745 $1,728 $1,672 $3,970 $4,256 $2,074 $2,104
Nationwide $2,656 $2,534 $2,333 $2,198 $6,748 $7,442 $3,163 $3,122
Progressive $1,617 $1,664 $1,394 $1,645 $4,346 $5,226 $2,346 $2,521
State Farm $2,519 $2,519 $2,252 $2,252 $4,651 $5,773 $2,789 $2,875
Travelers $2,035 $1,973 $1,807 $1,789 $4,131 $4,716 $2,627 $2,571
USAA $1,773 $1,679 $1,730 $1,737 $4,050 $4,070 $2,453 $2,318

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Minimum Car Insurance in Santa Ynez, CA

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

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

Annual Santa Ynez, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,319 $3,866 $6,085 $3,031
Farmers $2,211 $3,011 $3,749 $2,988
GEICO $1,781 $2,747 $3,448 $2,210
Liberty Mutual $2,104 $2,818 $2,547 $2,230
Nationwide $2,639 $3,380 $5,699 $3,380
Progressive $1,694 $2,888 $3,358 $2,439
State Farm $2,287 $2,727 $5,147 $2,653
Travelers $1,828 $2,936 $3,402 $2,657
USAA $1,647 $2,449 $4,007 $1,803

Cheapest Santa Ynez, CA Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,868 $8,614
Farmers $5,169 $8,450
GEICO $4,797 $4,884
Liberty Mutual $3,970 $4,256
Nationwide $6,748 $7,442
Progressive $4,346 $5,226
State Farm $4,651 $5,773
Travelers $4,131 $4,716
USAA $4,050 $4,070

Cheapest Santa Ynez, CA Car Insurance for Seniors

Take a look at Santa Ynez, 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 Ynez, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,814 $1,823
Farmers $1,476 $1,476
GEICO $1,482 $1,482
Liberty Mutual $1,728 $1,672
Nationwide $2,333 $2,198
Progressive $1,394 $1,645
State Farm $2,252 $2,252
Travelers $1,807 $1,789
USAA $1,730 $1,737

Cheapest Santa Ynez, CA Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,085
Farmers $3,749
GEICO $3,448
Liberty Mutual $2,547
Nationwide $5,699
Progressive $3,358
State Farm $5,147
Travelers $3,402
USAA $4,007

Cheapest Santa Ynez, CA Car Insurance Rates by Commute Length

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,448 $4,203
Farmers $2,713 $3,266
GEICO $2,313 $2,780
Liberty Mutual $2,227 $2,623
Nationwide $3,334 $4,214
Progressive $2,358 $2,832
State Farm $3,087 $3,320
Travelers $2,442 $2,970
USAA $2,282 $2,671

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The Best Cheap Car Insurance Companies in Santa Ynez, CA

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

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

Insurance Company Average Annual Rates
Allstate $3,826
Farmers $2,990
GEICO $2,546
Liberty Mutual $2,425
Nationwide $3,774
Progressive $2,595
State Farm $3,204
Travelers $2,706
USAA $2,476

Category Winners: Cheapest Car Insurance in Santa Ynez, California

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

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

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

Cheapest Santa Ynez, CA Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $3,598 $3,862 $4,017
Farmers $2,780 $3,011 $3,177
GEICO $2,330 $2,574 $2,735
Liberty Mutual $2,245 $2,447 $2,583
Nationwide $3,387 $3,840 $4,096
Progressive $2,294 $2,676 $2,814
State Farm $2,876 $3,260 $3,474
Travelers $2,366 $2,777 $2,975
USAA $2,248 $2,524 $2,658

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What affects car insurance rates in Santa Ynez, California?

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

Commute Time in Santa Ynez

The more time you spend in your car the higher the risk of an accident. The average commute length in Santa Ynez, CA is 27.6 minutes according to City-Data.

Compare Car Insurance Quotes in Santa Ynez, CA

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