Compare Santa Rosa, CA Car Insurance Rates (2021)

The cheapest car insurance in Santa Rosa, CA, is USAA, but car insurance rates will vary for each person. Santa Rosa, CA auto insurance must meet the state minimum requirements with coverage levels of 15/30/5 for liability and $3,500 per accident in UM/UIM property damage coverage. Compare Santa Rosa, CA car insurance rates online to get the best price 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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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Mar 22, 2021

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Here's what you need to know...

  • On average, Santa Rosa, CA car insurance costs $3,526/yr or $294/mo
  • The cheapest car insurance company in Santa Rosa, California, is USAA
  • You can secure cheap car insurance by keeping a good credit score and maintaining a clean driving record
  • Santa Rosa’s vehicle thefts are much lower than in other popular California cities

Santa Rosa, CA car insurance is $294 per month on average. The California car insurance average is higher at $307 per month.

Car insurance rates are determined by various factors, including the company you choose, your driving history, and much more. Don’t worry – we’re here to help you find affordable car insurance.

We can help you to find cheap car insurance in Santa Rosa, California with company rate comparisons and more.

Ready to find affordable Santa Rosa, CA car insurance rates? Enter your ZIP code above to get started.

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

The cheapest car insurance company in Santa Rosa, CA, is USAA. USAA is only available for military veterans and their immediate families. The next most affordable companies are GEICO and Progressive.

Here are the best auto insurance companies in Santa Rosa, California, ranked from cheapest to most expensive:

  • USAA – $2,574
  • GEICO – $2,683
  • Progressive – $2,775
  • Liberty Mutual – $2,956
  • Travelers – $3,262
  • State Farm – $4,072
  • Allstate – $4,310
  • Nationwide – $4,346
  • Farmers – $4,755

USAA, GEICO, Liberty Mutual, Progressive, and Travelers are the only Santa Rosa car insurance companies with cheaper than average auto insurance rates. However, your car insurance rates will depend on personal factors.

The most crucial factor is your driving history. Some car insurance companies provide 15 to 40 percent off annual premiums if you have a clean driving record. You can even save money if your credit score is good.

Another critical factor that determines auto insurance is location. Car insurance providers partially base your rates on the ZIP code in which you live.

So what’s the cheapest neighborhood in Santa Rosa? The most affordable ZIP code in Santa Rosa, California, is 95403, and its average car insurance cost is $393 per month.

Despite California’s ban on gender-based car insurance, Santa Rosa male drivers under 25 have the most expensive car insurance rates. Meanwhile, drivers who are 25 and older pay significantly less.

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What are the minimum car insurance coverage requirements in Santa Rosa, CA?

California’s Department of Insurance requires all drivers to carry the minimum auto insurance requirements, which are:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage
  • $15,000 per person and $30,000 per incident for uninsured/underinsured motorist coverage
  • $3,500 per incident for uninsured/underinsured property damage coverage

California has a relatively low property damage liability limit. Therefore, it may be in your best interest to get higher coverage. However, more coverage means higher prices.

What affects car insurance rates in Santa Rosa, CA?

Your daily commute to work and your city’s vehicle theft rate can determine your car insurance cost. Your chances of getting into an accident increase the more you drive. Vehicle thefts affect your chances of filing a comprehensive insurance claim.

According to the FBI statistics, the city of Santa Rosa, CA, had 311 auto thefts. That’s not much compared to cities like Los Angeles and San Diego. Therefore, your comprehensive coverage rates could be lower than average.

Santa Rosa commute is about two minutes faster than the national average. According to City-Data, it takes 23 minutes for the average driver to get work in Santa Rosa, California.

Santa Rosa, CA Car Insurance: The Bottom Line

You can secure cheap car insurance in Santa Rosa, CA, by maintaining a clean driving record. If you have a good credit score, take advantage of the low prices provided by your auto insurance provider.

Also, your vehicle’s safety and anti-theft features can save you money on car insurance.

Before you buy car insurance in Santa Rosa, CA, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Santa Rosa, CA car insurance quotes.

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