Compare Santa Clara, CA Car Insurance Rates (2021)

Although the cheapest Santa Clara, CA car insurance is offered by GEICO, some drivers may qualify for low-cost coverage through the CLCA program. Auto insurance in Santa Clara must meet the state minimum requirements of 15/30/5 in liability coverage. Compare online Santa Clara, CA car insurance quotes to find the cheapest coverage for you.

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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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Founder & CFP®

UPDATED: Apr 22, 2021

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Here's what you need to know...

  • The cheapest car insurance on average in Santa Clara, CA is from GEICO
  • Santa Clara car insurance is more expensive than the national average
  • Low-income drivers in Santa Clara may qualify for the California Low-Cost Auto program if they meet certain requirements

Santa Clara car insurance is less expensive than the average California car insurance but more expensive than the national average.

Although some low-income drivers may be eligible for the California Low-Cost Auto program, don’t worry if you don’t qualify. You can still get affordable Santa Clara, CA car insurance if you shop around.

Enter your ZIP code now to compare Santa Clara, CA car insurance quotes from multiple companies near you for free.

What is the cheapest car insurance company in Santa Clara, CA?

The cheapest Santa Clara, CA car insurance company on average is GEICO, although rates are different for every driver.

The top Santa Clara, CA car insurance companies listed from cheapest to most expensive are:

  • GEICO – $2,594.63
  • USAA – $2,633.23
  • Progressive – $2,847.65
  • Liberty Mutual – $2,867.21
  • Travelers – $3,212.26
  • State Farm – $3,679.54
  • Allstate – $4,185.59
  • Nationwide – $4,581.22
  • Farmers – $4,647.55

Many factors influence car insurance rates, including your age and driving record. While most car insurance companies consider your gender when calculating your rates, California is one of the few states that has made this practice illegal.

Your rates are also affected by where you live and the size of your city. Car insurance would be more expensive in larger cities with more crime and traffic. Los Angeles car insurance, for example, is much more costly than coverage in Santa Clara.

It’s also worth noting that low-income drivers in California can get low-cost car insurance. For low-income drivers who meet certain conditions, the California Low-Cost Auto (CLCA) program provides very low coverage.

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What car insurance coverage is required in Santa Clara, CA?

To drive legally in almost every state, including California, drivers must have at least a minimum amount of auto insurance.

In California, Santa Clara drivers must have at least the following minimum auto insurance coverage:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

These are very low minimums, and drivers should consider increasing them and adding additional coverages. These low minimums won’t completely protect you in a major accident, leaving you to pay out of pocket for everything not covered.

Consider adding collision and comprehensive insurance to your policy. Collision insurance helps pay for damages incurred as a result of an accident. Comprehensive insurance covers accidents that aren’t caused by an accident, such as theft, vandalism, or fire.

What affects car insurance rates in Santa Clara, CA?

Since more vehicles on the road equal a higher risk of an accident, traffic can also impact your car insurance rates.

INRIX doesn’t have data for Santa Clara, but it does rank San Fransico as the sixth most congested city in the U.S. and the 38th most congested city in the world.

City-Data reports that most drivers in Santa Clara commute around 35 minutes, but a significant number commute an hour or more.

Theft can also cause your auto insurance rates to increase. According to the FBI, there were 400 motor vehicle thefts in one year in Santa Clara, CA.

Santa Clara, CA Car Insurance: The Bottom Line

Although GEICO offers the cheapest Santa Clara, CA car insurance on average, some drivers may qualify for the CLCA program for very cheap coverage.

However, you still need to shop around before you buy Santa Clara, CA car insurance to get the best deal. Compare multiple companies to find the cheapest coverage that meets your needs.

Enter your ZIP code to compare Santa Clara car insurance rates from multiple companies near you.

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