Compare Santa Clarita, CA Car Insurance Rates (2021)

The cheapest Santa Clarita, CA car insurance company is USAA with average rates of $240 per month or $2,886 annually. However, only military personnel can use USAA services. GEICO offers the next cheapest average premiums in Santa Clarita. California residents legally must carry the state minimum levels of 15/30/5 in liability coverage. Compare Santa Clarita, CA car insurance rates online to secure your best price.

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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: Aug 24, 2021

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Here's What You Need to Know

  • USAA sells the cheapest average Santa Clarita, CA car insurance policies, followed GEICO.
  • Traffic congestion from Los Angeles and car theft statistics influence your Santa Clarita, CA car insurance costs.
  • Santa Clarita car insurance costs less than many other major Californian cities.

Of the major Santa Clarita, California car insurances, USAA sells the cheapest policies, averaging $240 per month or $2,886 annually.

Read through our guide to compare Santa Clarita, CA car insurance rates from the leading providers in your city. We’ll help you secure cheap premiums regardless of your age, driving record, and coverage needs.

Monthly Santa Clarita, CA Car Insurance Rates by ZIP Code

Check out the monthly Santa Clarita, CA auto insurance rates by ZIP Code below:

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Santa Clarita, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Santa Clarita, CA stack up against other top metro auto insurance rates? We’ve got your answer below.

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When you’re ready, compare affordable Santa Clarita, CA car insurance quotes from multiple companies for free by entering your ZIP code into our quote tool above.

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

USAA sells the lowest average auto insurance policies in Santa Clarita. However, only military personnel are eligible to use USAA services.

The next cheapest Santa Clarita, CA car insurance company available to everyone is GEICO.

Which Santa Clarita, CA auto insurance company has the cheapest rates? And how do those rates compare against the average California auto insurance company rates? We’ve got the answers below.

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Below, check out a list of the top insurance companies in your city from cheapest to most expensive:

  • USAA – $2,886.32
  • GEICO – $2,906.27
  • Progressive – $3,148.96
  • Liberty Mutual – $3,576.41
  • Travelers – $3,682.90
  • State Farm – $4,673.60
  • Allstate – $4,972.90
  • Nationwide – $5,233.02
  • Farmers – $5,633.56

Your rates from these providers will vary depending on the level of coverage you require, your age, and your driving history.

Fortunately, Santa Clarita rates are cheaper on average than many other Californian cities.

Compare your affordable Santa Clarita, CA car insurance rates to the cities below:

To find your best insurance prices, compare quotes from as many of the providers listed above as you can.

Santa Clarita, CA auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Santa Clarita auto insurance rates. Find the cheapest Santa Clarita, CA auto insurance rates by coverage level below:

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Your driving record will play a major role in your Santa Clarita auto insurance rates. For example, other factors aside, a Santa Clarita, CA DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Santa Clarita, CA auto insurance rates by driving record.

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Factors affecting auto insurance rates in Santa Clarita, CA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Santa Clarita, California auto insurance.

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These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. California does use gender, so check out the average monthly auto insurance rates by age and gender in Santa Clarita, CA.

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

If you live in Santa Clarita, you must carry the state minimum California car insurance limits to drive legally on the roads.

What happens if you have no car insurance in California? You face potentially suspended vehicle registrations for up to one year and fines reaching $500.

In California, that means you must purchase at least:

  • $15,000 per person and $30,000 per accident in bodily injury liability.
  • $5,000 per accident in property damage liability.

California is an at-fault or tort state. If you’re responsible for causing an accident, you must use your liability insurance to pay for the other driver’s damages.

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What affects car insurance rates in Santa Clarita, CA?

In Santa Clarita, you have California privacy rights that prevent insurance companies from basing your rates on your gender, credit history, and other non-driving factors.

However, insurance providers will consider the traffic congestion levels in Santa Clarita, as well as the car theft rates when calculating your premiums.

For example, companies assume Santa Clarita residents will drive through nearby Los Angeles.

According to INRIX, Los Angeles is the 6th most congested city in America. That bumper-to-bumper driving will impact your Santa Clarita rates.

The average commute time for Santa Clarita residents, as reported by City-Data, is 35 minutes, much longer than the national average of 26 minutes.

Fortunately, car theft rates in Santa Clarita are lower than the state average. The Federal Bureau of Investigation (FBI) recorded 410 car thefts in 2017. That’s a rate of only 189.5 thefts per every 100,000 residents.

Santa Clarita, CA Car Insurance: The Bottom Line

Santa Clarita car insurance prices may not be the cheapest in California, but the costs are lower than in many other major cities.

Ultimately, you’ll be able to secure affordable Santa Clarita, CA car insurance by shopping around and comparing premiums online and by earning policy discounts.

Now that you’re ready to buy Santa Clarita, CA car insurance, enter your ZIP code into our free quote tool below to start comparison shopping.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Monthly Santa Clarita, CA Car Insurance Rates by ZIP Code
Santa Clarita, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Santa Clarita, CA Car Insurance Rates by Company vs. City Average
Santa Clarita, CA Car Insurance Rates by Company and Age
The Cheapest Santa Clarita, CA Car Insurance Rates by Coverage Level
The Cheapest Santa Clarita, CA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Santa Clarita, CA
Average Monthly Car Insurance Rates by Age & Gender in Santa Clarita, CA
Monthly Santa Clarita, CA Car Insurance Rates by ZIP Code
Santa Clarita, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Santa Clarita, CA Car Insurance Rates by Company vs. City Average
Santa Clarita, CA Car Insurance Rates by Company and Age
The Cheapest Santa Clarita, CA Car Insurance Rates by Coverage Level
The Cheapest Santa Clarita, CA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Santa Clarita, CA
Average Monthly Car Insurance Rates by Age & Gender in Santa Clarita, CA