Buy Cheap Santa Maria, CA Auto Insurance (2021)

Santa Maria, CA auto insurance rates average $245 a month. Minimum auto insurance requirements in Santa Maria, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Santa Maria, CA, compare Santa Maria 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 Maria is Nationwide
  • Average auto insurance rates in Santa Maria, CA for teens drivers are $4,930/year
  • The most expensive auto insurance company in Santa Maria after a DUI is State Farm

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

See how Santa Maria, CA car insurance rates compare to Long Beach auto insurance rates, San Francisco auto insurance rates, and San Diego auto insurance rates before you read more about the cost of auto insurance in Santa Maria.

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

Santa Maria, CA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Santa Maria, 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 $2,212 $2,213 $1,627 $1,643 $6,153 $7,736 $2,832 $3,110
Farmers $1,896 $1,896 $1,718 $1,718 $6,017 $9,813 $2,245 $2,500
GEICO $1,532 $1,533 $1,441 $1,441 $4,649 $4,724 $2,199 $2,246
Liberty Mutual $1,865 $1,762 $1,739 $1,684 $4,025 $4,299 $2,095 $2,119
Nationwide $2,578 $2,463 $2,255 $2,128 $6,509 $7,179 $3,069 $3,036
Progressive $1,451 $1,493 $1,227 $1,456 $3,805 $4,592 $2,076 $2,231
State Farm $2,753 $2,753 $2,460 $2,460 $5,050 $6,259 $3,047 $3,143
Travelers $2,122 $2,059 $1,882 $1,861 $4,292 $4,944 $2,751 $2,693
USAA $1,715 $1,627 $1,675 $1,684 $3,870 $3,901 $2,379 $2,250

Buy Cheap Santa Maria, CA Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,153 $7,736
Farmers $6,017 $9,813
GEICO $4,649 $4,724
Liberty Mutual $4,025 $4,299
Nationwide $6,509 $7,179
Progressive $3,805 $4,592
State Farm $5,050 $6,259
Travelers $4,292 $4,944
USAA $3,870 $3,901

Buy Cheap Santa Maria, CA Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,627 $1,643
Farmers $1,718 $1,718
GEICO $1,441 $1,441
Liberty Mutual $1,739 $1,684
Nationwide $2,255 $2,128
Progressive $1,227 $1,456
State Farm $2,460 $2,460
Travelers $1,882 $1,861
USAA $1,675 $1,684

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

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

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

Insurance Company Low Medium High
Allstate $3,277 $3,468 $3,577
Farmers $3,222 $3,503 $3,701
GEICO $2,224 $2,500 $2,688
Liberty Mutual $2,276 $2,470 $2,600
Nationwide $3,294 $3,712 $3,951
Progressive $2,077 $2,356 $2,442
State Farm $3,170 $3,544 $3,758
Travelers $2,503 $2,895 $3,079
USAA $2,187 $2,430 $2,546

Find Cheap Santa Maria, CA Auto Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,110 $3,771
Farmers $3,154 $3,797
GEICO $2,244 $2,697
Liberty Mutual $2,249 $2,648
Nationwide $3,227 $4,077
Progressive $2,080 $2,502
State Farm $3,364 $3,617
Travelers $2,546 $3,105
USAA $2,202 $2,573

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

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

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

ZIP Code Average Annual Rates
93454 $3,978
93458 $4,029

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

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

Annual Santa Maria, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,085 $3,494 $5,456 $2,727
Farmers $2,572 $3,501 $4,355 $3,474
GEICO $1,728 $2,666 $3,346 $2,143
Liberty Mutual $2,125 $2,847 $2,571 $2,252
Nationwide $2,555 $3,269 $5,515 $3,269
Progressive $1,508 $2,545 $2,946 $2,167
State Farm $2,489 $2,970 $5,614 $2,890
Travelers $1,908 $3,058 $3,564 $2,771
USAA $1,589 $2,359 $3,862 $1,740

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

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,456
Farmers $4,355
GEICO $3,346
Liberty Mutual $2,571
Nationwide $5,515
Progressive $2,946
State Farm $5,614
Travelers $3,564
USAA $3,862

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

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

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

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

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Find Cheap Santa Maria, California Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $3,441
Farmers $3,475
GEICO $2,471
Liberty Mutual $2,449
Nationwide $3,652
Progressive $2,291
State Farm $3,491
Travelers $2,825
USAA $2,388

What affects Santa Maria, California auto insurance rates?

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

Auto Theft in Santa Maria

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Santa Maria, CA auto theft show a total of 576 vehicle thefts annually.

Commute Times in Santa Maria

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Santa Maria, CA is 21.7 minutes according to City-Data.

Compare Auto Insurance Quotes in Santa Maria, CA

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

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