Buy Cheap Santa Clara, CA Auto Insurance (2021)

Santa Clara, CA auto insurance rates average $289 a month. Minimum auto insurance requirements in Santa Clara, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Santa Clara, CA, compare Santa Clara 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 Clara, CA for teens drivers are $5,881/year
  • Average auto insurance rates in Santa Clara, CA are $289/month
  • Average auto insurance rates in Santa Clara, CA after a DUI are $4,868/year

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

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

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

Santa Clara, CA Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Santa Clara, 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 Clara, CA Auto Insurance by Age, Gender, and Marital Status

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Santa Clara, 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 $2,669 $2,667 $1,967 $1,977 $7,559 $9,514 $3,407 $3,725
Farmers $2,510 $2,510 $2,271 $2,271 $8,068 $13,242 $2,982 $3,328
GEICO $1,605 $1,606 $1,509 $1,509 $4,893 $4,974 $2,306 $2,355
Liberty Mutual $2,160 $2,045 $2,019 $1,957 $4,783 $5,089 $2,435 $2,449
Nationwide $3,199 $3,050 $2,801 $2,636 $8,251 $9,077 $3,843 $3,792
Progressive $1,790 $1,845 $1,502 $1,794 $4,769 $5,765 $2,560 $2,756
State Farm $2,897 $2,897 $2,589 $2,589 $5,334 $6,613 $3,208 $3,308
Travelers $2,386 $2,306 $2,117 $2,095 $4,980 $5,676 $3,104 $3,034
USAA $1,882 $1,782 $1,835 $1,842 $4,296 $4,339 $2,617 $2,472

Buy Cheap Santa Clara, CA Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,559 $9,514
Farmers $8,068 $13,242
GEICO $4,893 $4,974
Liberty Mutual $4,783 $5,089
Nationwide $8,251 $9,077
Progressive $4,769 $5,765
State Farm $5,334 $6,613
Travelers $4,980 $5,676
USAA $4,296 $4,339

Buy Cheap Santa Clara, CA Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,967 $1,977
Farmers $2,271 $2,271
GEICO $1,509 $1,509
Liberty Mutual $2,019 $1,957
Nationwide $2,801 $2,636
Progressive $1,502 $1,794
State Farm $2,589 $2,589
Travelers $2,117 $2,095
USAA $1,835 $1,842

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

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

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

Insurance Company Low Medium High
Allstate $3,986 $4,219 $4,351
Farmers $4,340 $4,684 $4,919
GEICO $2,377 $2,624 $2,783
Liberty Mutual $2,673 $2,896 $3,032
Nationwide $4,137 $4,668 $4,939
Progressive $2,595 $2,931 $3,017
State Farm $3,327 $3,740 $3,971
Travelers $2,797 $3,307 $3,533
USAA $2,408 $2,681 $2,811

Find Cheap Santa Clara, CA Auto Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,781 $4,590
Farmers $4,217 $5,078
GEICO $2,357 $2,832
Liberty Mutual $2,637 $3,098
Nationwide $4,043 $5,119
Progressive $2,579 $3,116
State Farm $3,546 $3,813
Travelers $2,890 $3,535
USAA $2,429 $2,837

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

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

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

ZIP Code Average Annual Rates
95050 $4,770
95051 $4,693
95053 $4,864
95054 $4,703

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

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

Annual Santa Clara, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,532 $4,244 $6,647 $3,319
Farmers $3,434 $4,679 $5,830 $4,648
GEICO $1,814 $2,803 $3,512 $2,250
Liberty Mutual $2,490 $3,334 $3,007 $2,637
Nationwide $3,199 $4,098 $6,929 $4,098
Progressive $1,872 $3,168 $3,656 $2,695
State Farm $2,625 $3,131 $5,914 $3,047
Travelers $2,145 $3,490 $4,056 $3,159
USAA $1,750 $2,609 $4,257 $1,917

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

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,647
Farmers $5,830
GEICO $3,512
Liberty Mutual $3,007
Nationwide $6,929
Progressive $3,656
State Farm $5,914
Travelers $4,056
USAA $4,257

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

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

Best Annual Auto Insurance Rates by Company in Santa Clara, 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 Clara, California Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $4,186
Farmers $4,648
GEICO $2,595
Liberty Mutual $2,867
Nationwide $4,581
Progressive $2,848
State Farm $3,680
Travelers $3,212
USAA $2,633

What affects Santa Clara, California auto insurance rates?

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

Auto Theft in Santa Clara

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Santa Clara, CA auto theft show a total of 452 vehicle thefts annually.

Commute Times in Santa Clara

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Santa Clara, CA is 24.7 minutes according to City-Data.

Compare Auto Insurance Quotes in Santa Clara, CA

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

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