Buy Cheap Santa Cruz, CA Auto Insurance (2021)

Santa Cruz, CA auto insurance rates average $290 a month. Minimum auto insurance requirements in Santa Cruz, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Santa Cruz, CA, compare Santa Cruz 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

  • The most expensive auto insurance company in Santa Cruz after a DUI is Nationwide
  • The most expensive auto insurance company in Santa Cruz is Nationwide
  • Average auto insurance rates in Santa Cruz, CA for teens drivers are $5,885/year

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

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

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

Santa Cruz, CA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Santa Cruz, 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 $2,354 $2,352 $1,733 $1,744 $6,594 $8,287 $2,998 $3,278
Farmers $2,319 $2,319 $2,095 $2,095 $7,424 $12,186 $2,752 $3,068
GEICO $1,724 $1,725 $1,621 $1,621 $5,241 $5,328 $2,476 $2,529
Liberty Mutual $2,053 $1,943 $1,915 $1,857 $4,500 $4,793 $2,311 $2,329
Nationwide $3,496 $3,333 $3,053 $2,874 $9,012 $9,919 $4,193 $4,143
Progressive $1,957 $2,020 $1,625 $1,952 $5,172 $6,293 $2,803 $3,025
State Farm $2,878 $2,878 $2,572 $2,572 $5,283 $6,537 $3,188 $3,290
Travelers $2,391 $2,315 $2,117 $2,094 $4,937 $5,664 $3,114 $3,045
USAA $2,096 $1,986 $2,039 $2,049 $4,801 $4,853 $2,917 $2,757

Buy Cheap Santa Cruz, CA Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,594 $8,287
Farmers $7,424 $12,186
GEICO $5,241 $5,328
Liberty Mutual $4,500 $4,793
Nationwide $9,012 $9,919
Progressive $5,172 $6,293
State Farm $5,283 $6,537
Travelers $4,937 $5,664
USAA $4,801 $4,853

Buy Cheap Santa Cruz, CA Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,733 $1,744
Farmers $2,095 $2,095
GEICO $1,621 $1,621
Liberty Mutual $1,915 $1,857
Nationwide $3,053 $2,874
Progressive $1,625 $1,952
State Farm $2,572 $2,572
Travelers $2,117 $2,094
USAA $2,039 $2,049

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

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

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

Insurance Company Low Medium High
Allstate $3,480 $3,699 $3,824
Farmers $3,999 $4,314 $4,533
GEICO $2,506 $2,816 $3,028
Liberty Mutual $2,530 $2,739 $2,869
Nationwide $4,532 $5,092 $5,384
Progressive $2,870 $3,182 $3,265
State Farm $3,333 $3,704 $3,913
Travelers $2,819 $3,295 $3,514
USAA $2,684 $2,991 $3,137

Find Cheap Santa Cruz, CA Auto Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,312 $4,023
Farmers $3,886 $4,678
GEICO $2,528 $3,038
Liberty Mutual $2,493 $2,932
Nationwide $4,412 $5,594
Progressive $2,817 $3,395
State Farm $3,519 $3,781
Travelers $2,887 $3,532
USAA $2,710 $3,165

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

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

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

ZIP Code Average Annual Rates
95060 $4,247
95064 $4,761

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

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

Annual Santa Cruz, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,224 $3,716 $5,821 $2,909
Farmers $3,163 $4,311 $5,372 $4,282
GEICO $1,945 $3,006 $3,769 $2,413
Liberty Mutual $2,355 $3,154 $2,846 $2,495
Nationwide $3,491 $4,473 $7,575 $4,473
Progressive $2,040 $3,446 $4,002 $2,936
State Farm $2,603 $3,105 $5,869 $3,022
Travelers $2,146 $3,484 $4,057 $3,151
USAA $1,949 $2,912 $4,752 $2,136

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

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,821
Farmers $5,372
GEICO $3,769
Liberty Mutual $2,846
Nationwide $7,575
Progressive $4,002
State Farm $5,869
Travelers $4,057
USAA $4,752

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

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

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

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

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Find Cheap Santa Cruz, California Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $3,668
Farmers $4,282
GEICO $2,783
Liberty Mutual $2,713
Nationwide $5,003
Progressive $3,106
State Farm $3,650
Travelers $3,210
USAA $2,937

What affects Santa Cruz, California auto insurance rates?

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

Auto Theft in Santa Cruz

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Santa Cruz, CA auto theft show a total of 261 vehicle thefts annually.

Commute Times in Santa Cruz

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Santa Cruz, CA is 23.5 minutes according to City-Data.

Traffic in Santa Cruz

How is traffic in Santa Cruz, California? Inrix data shows that Santa Cruz, CA traffic makes it the 350th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Santa Cruz, CA

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

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