8:00 - 17:00

Opening Hour: Mon - Fri

+1 800-793-0972

Call Us For Free Consultation

Best Cheap Auto Insurance in Santa Rosa, CA (2021)

Things to Remember

  • The average annual auto insurance rates for Santa Rosa, CA are $3,526 ($293/mo)
  • The cheapest auto insurance company in Santa Rosa, CA is USAA; the second cheapest is GEICO
  • Santa Rosa, CA rates are affected by the traffic that is shared with San Francisco
  • The average commute time for Santa Rosa is 22.6 minutes

Santa Rosa, CA average annual auto insurance rates are about average when compared to other cities in California. But, surprisingly, they are about $800 cheaper than San Francisco which is a little over an hour to the south.

You can save on Santa Rosa, California auto insurance by shopping around, comparing rates, and looking for discounts, and we can help.

Below you’ll find information on how to get cheap auto insurance in Santa Rosa, California for every age, credit history, and driving record.

Table of Contents

Monthly Santa Rosa, CA Car Insurance Rates by ZIP Code

Find more info about the monthly Santa Rosa, CA car insurance rates by ZIP Code below:

View as image

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

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Santa Rosa, California against other top US metro areas’ auto insurance rates.

View as image

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

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

The cheapest auto insurance company in Santa Rosa, based on average rates, is USAA; however, USAA offers auto insurance only to military affiliates. GEICO is the next cheapest auto insurance company.

The cheapest Santa Rosa, CA auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average California auto insurance company rates?” We cover that as well.

View as image

The top auto insurance companies in Santa Rosa, CA, ranked from cheapest to most expensive are:

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

There are a lot of factors that determine your auto insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

Santa Rosa, California 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.

View as image

Your coverage level will play a significant role in your Santa Rosa, CA auto insurance rates. Find the cheapest {CITY, STATE} auto insurance rates by coverage level below:

View as image

Your driving record will affect your Santa Rosa auto insurance rates. For example, a Santa Rosa, California DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Santa Rosa, California auto insurance rates by driving record.

View as image

Factors affecting auto insurance rates in Santa Rosa, CA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Santa Rosa, California auto insurance.

View as image

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

View as image

What auto insurance coverage is required in Santa Rosa, CA?

All Santa Rosa drivers have to meet the California state law minimum requirements to buy auto insurance.

In California, you have to carry at least:

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

It’s recommended that most drivers carry more than the state minimum.

What affects auto insurance rates in Santa Rosa, CA?

Santa Rosa is the 25th largest city in California and a little over an hour drive north of San Francisco. Let’s take a look at how Santa Rosa auto insurance rates compare to other cities in California.

  • Beverly Hills, CA — $6,188 (most expensive)
  • San Francisco, CA — $4,325 (next closest city)
  • Santa Rosa, CA — $3,526
  • Los Ranchos, CA — $2,731 (cheapest)

INRIX ranks Santa Rosa as the 50th most congested city in the U.S. Santa Rosa is north of San Francisco, so traffic heading to a larger city can affect auto insurance rates.

City-Data reports an average commute time for Santa Rosa is 22.6 minutes.

Auto theft in Santa Rosa also affects rates. The Federal Bureau of Investigation lists 411 auto thefts in a city population of 176,361. That’s a rate of 233 cars stolen per 100,000 population.

Santa Rosa, CA Auto Insurance: The Bottom Line

Santa Rosa has fairly average auto insurance rates compared to other cities of its size in California, but you can still save by shopping around and comparing.

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 auto insurance quotes.

References:

  1. http://www.city-data.com/city/Santa-Rosa-California.html
  2. https://inrix.com/scorecard-city/?city=Santa%20Rosa%2C%20CA&index=382
  3. https://ucr.fbi.gov/crime-in-the-u.s/2017/crime-in-the-u.s.-2017/tables/table-8/table-8-state-cuts/california.xls

Cities

Subscribe Our Newsletter

This website uses cookies and other data for providing, improving our services. Get more. Got it