Buy Cheap Santa Barbara, CA Auto Insurance (2021)

Santa Barbara, CA auto insurance rates average $272 a month. Minimum auto insurance requirements in Santa Barbara, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Santa Barbara, CA, compare Santa Barbara auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Santa Barbara, CA for teens drivers are $5,513/year
  • Average auto insurance rates in Santa Barbara, CA after a DUI are $4,597/year
  • The most expensive auto insurance company in Santa Barbara is Nationwide

Finding affordable Santa Barbara, California auto insurance can be challenging, but everything you need to know to buy cheap Santa Barbara, CA auto insurance with confidence is right here. Auto insurance rates in Santa Barbara are affected by local factors as well as personal ones like your driving record.

See how Santa Barbara, CA car insurance rates compare to San Diego auto insurance rates, Fresno auto insurance rates, and San Jose auto insurance rates before you read more about the cost of auto insurance in Santa Barbara.

Don’t buy Santa Barbara, CA auto insurance until you’ve compared rates. Get free Santa Barbara, California auto insurance quotes when you enter your ZIP code above.

Santa Barbara, CA Minimum Auto Insurance Requirements

The required auto insurance in Santa Barbara, CA is 15/30/5 according to the auto insurance laws in California. The minimum auto insurance in Santa Barbara, California is outlined here.

Minimum Required Auto Insurance Coverage in Santa Barbara, 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

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Buy Cheap Santa Barbara, CA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Santa Barbara, California auto insurance rates? Find out how car insurance rates in Santa Barbara, CA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Santa Barbara, 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 $2,595 $2,590 $1,902 $1,912 $7,248 $9,099 $3,293 $3,589
Farmers $1,991 $1,991 $1,816 $1,816 $6,339 $10,273 $2,360 $2,632
GEICO $1,637 $1,638 $1,540 $1,540 $4,979 $5,057 $2,351 $2,399
Liberty Mutual $2,008 $1,896 $1,876 $1,816 $4,370 $4,668 $2,256 $2,280
Nationwide $2,977 $2,840 $2,614 $2,462 $7,613 $8,394 $3,556 $3,508
Progressive $1,763 $1,814 $1,508 $1,785 $4,737 $5,696 $2,546 $2,736
State Farm $2,872 $2,872 $2,568 $2,568 $5,319 $6,597 $3,182 $3,281
Travelers $2,282 $2,207 $2,025 $2,004 $4,729 $5,385 $2,963 $2,894
USAA $1,879 $1,779 $1,834 $1,840 $4,284 $4,317 $2,605 $2,461

Buy Cheap Santa Barbara, CA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Santa Barbara can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Santa Barbara, CA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Santa Barbara, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,248 $9,099
Farmers $6,339 $10,273
GEICO $4,979 $5,057
Liberty Mutual $4,370 $4,668
Nationwide $7,613 $8,394
Progressive $4,737 $5,696
State Farm $5,319 $6,597
Travelers $4,729 $5,385
USAA $4,284 $4,317

Buy Cheap Santa Barbara, CA Auto Insurance for Seniors

You can save on senior auto insurance rates in Santa Barbara, California by comparing Santa Barbara senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Santa Barbara, CA here.

Annual Auto Insurance Rates for Senior Drivers in Santa Barbara, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,902 $1,912
Farmers $1,816 $1,816
GEICO $1,540 $1,540
Liberty Mutual $1,876 $1,816
Nationwide $2,614 $2,462
Progressive $1,508 $1,785
State Farm $2,568 $2,568
Travelers $2,025 $2,004
USAA $1,834 $1,840

Find Cheap Auto Insurance Rates in Santa Barbara, CA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Santa Barbara, California auto insurance. Compare Santa Barbara, CA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Santa Barbara, California

Insurance Company Low Medium High
Allstate $3,799 $4,066 $4,221
Farmers $3,362 $3,686 $3,909
GEICO $2,375 $2,675 $2,877
Liberty Mutual $2,460 $2,670 $2,808
Nationwide $3,809 $4,323 $4,605
Progressive $2,511 $2,914 $3,044
State Farm $3,284 $3,724 $3,964
Travelers $2,659 $3,148 $3,377
USAA $2,389 $2,674 $2,811

Find Cheap Santa Barbara, CA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Santa Barbara. Compare auto insurance rates in Santa Barbara, CA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Santa Barbara, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,633 $4,424
Farmers $3,313 $3,992
GEICO $2,400 $2,885
Liberty Mutual $2,431 $2,862
Nationwide $3,749 $4,742
Progressive $2,560 $3,086
State Farm $3,525 $3,790
Travelers $2,757 $3,365
USAA $2,420 $2,830

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Find Cheap Santa Barbara, CA Auto Insurance Rates by ZIP Code

Auto insurance rates in Santa Barbara, California can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Santa Barbara, CA to see how much where you live in Santa Barbara affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Santa Barbara, California

ZIP Code Average Annual Rates
93101 $4,406
93103 $4,378
93105 $4,280
93106 $4,784
93109 $4,415
93110 $4,285
93111 $4,099

Find Cheap Santa Barbara, CA Auto Insurance Rates by Driving Record

Auto insurance rates in Santa Barbara, California are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Santa Barbara, CA, take a look at the average cost for various violations versus rates for a clean driving record in Santa Barbara.

Annual Santa Barbara, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,439 $4,076 $6,409 $3,191
Farmers $2,708 $3,681 $4,570 $3,650
GEICO $1,847 $2,855 $3,577 $2,291
Liberty Mutual $2,297 $3,076 $2,777 $2,434
Nationwide $2,965 $3,800 $6,417 $3,800
Progressive $1,846 $3,145 $3,640 $2,661
State Farm $2,612 $3,114 $5,874 $3,030
Travelers $2,047 $3,330 $3,858 $3,009
USAA $1,744 $2,599 $4,246 $1,911

Find Cheap Santa Barbara, CA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Santa Barbara, California is higher than for a clean driving record. You can buy auto insurance after a DUI in Santa Barbara for less when you shop around and compare rates from multiple Santa Barbara, CA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Santa Barbara, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,409
Farmers $4,570
GEICO $3,577
Liberty Mutual $2,777
Nationwide $6,417
Progressive $3,640
State Farm $5,874
Travelers $3,858
USAA $4,246

Winners by Category: Where to Buy Cheap Auto Insurance in Santa Barbara, CA

Compare rates from the cheapest auto insurance companies in Santa Barbara, CA for your needs. Take a look at how Santa Barbara, California auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Santa Barbara, California

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

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Find Cheap Santa Barbara, California Auto Insurance Companies

If you’re looking for the cheapest Santa Barbara, CA auto insurance companies overall, you can compare them here. Find the best price for Santa Barbara, California car insurance by company.

Average Annual Auto Insurance Rates by Company in Santa Barbara, California

Insurance Company Average Annual Rates
Allstate $4,029
Farmers $3,652
GEICO $2,642
Liberty Mutual $2,646
Nationwide $4,245
Progressive $2,823
State Farm $3,657
Travelers $3,061
USAA $2,625

What affects Santa Barbara, California auto insurance rates?

Local factors affect auto insurance rates in Santa Barbara, CA, including traffic, theft statistics, and commute length. Take a look at the things that impact Santa Barbara auto insurance rates.

Auto Theft in Santa Barbara

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Santa Barbara, CA auto theft show a total of 178 vehicle thefts annually.

Commute Times in Santa Barbara

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Santa Barbara, CA is 17.2 minutes according to City-Data.

Compare Auto Insurance Quotes in Santa Barbara, CA

You can buy cheap Santa Barbara, CA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Santa Barbara, California auto insurance quotes from top companies.

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