Buy Cheap Santa Monica, CA Auto Insurance (2021)

Santa Monica, CA auto insurance rates average $397 a month. Minimum auto insurance requirements in Santa Monica, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Santa Monica, CA, compare Santa Monica 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 Monica, CA are $397/month
  • The most expensive auto insurance company in Santa Monica is Allstate
  • Average auto insurance rates in Santa Monica, CA for teens drivers are $8,136/year

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

See how Santa Monica, CA car insurance rates compare to Sacramento auto insurance rates, Oakland auto insurance rates, and Fresno auto insurance rates before you read more about the cost of auto insurance in Santa Monica.

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

Santa Monica, CA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Santa Monica, 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 $4,419 $4,396 $3,211 $3,215 $12,586 $15,793 $5,587 $6,046
Farmers $3,589 $3,589 $3,262 $3,262 $11,508 $18,734 $4,261 $4,754
GEICO $2,206 $2,206 $2,073 $2,073 $6,750 $6,855 $3,174 $3,235
Liberty Mutual $3,014 $2,824 $2,832 $2,731 $6,514 $7,040 $3,366 $3,430
Nationwide $4,238 $4,038 $3,721 $3,499 $10,919 $12,060 $5,067 $4,992
Progressive $2,201 $2,267 $1,885 $2,236 $5,995 $7,222 $3,202 $3,446
State Farm $3,724 $3,724 $3,331 $3,331 $6,909 $8,579 $4,125 $4,252
Travelers $3,151 $3,034 $2,779 $2,751 $6,773 $7,632 $4,119 $4,019
USAA $2,284 $2,160 $2,225 $2,231 $5,268 $5,299 $3,163 $2,985

Buy Cheap Santa Monica, CA Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,586 $15,793
Farmers $11,508 $18,734
GEICO $6,750 $6,855
Liberty Mutual $6,514 $7,040
Nationwide $10,919 $12,060
Progressive $5,995 $7,222
State Farm $6,909 $8,579
Travelers $6,773 $7,632
USAA $5,268 $5,299

Buy Cheap Santa Monica, CA Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,211 $3,215
Farmers $3,262 $3,262
GEICO $2,073 $2,073
Liberty Mutual $2,832 $2,731
Nationwide $3,721 $3,499
Progressive $1,885 $2,236
State Farm $3,331 $3,331
Travelers $2,779 $2,751
USAA $2,225 $2,231

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

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

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

Insurance Company Low Medium High
Allstate $6,457 $6,978 $7,285
Farmers $6,120 $6,680 $7,060
GEICO $3,219 $3,615 $3,881
Liberty Mutual $3,639 $4,010 $4,257
Nationwide $5,414 $6,181 $6,605
Progressive $3,155 $3,670 $3,845
State Farm $4,237 $4,837 $5,166
Travelers $3,634 $4,418 $4,794
USAA $2,888 $3,268 $3,450

Find Cheap Santa Monica, CA Auto Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,210 $7,603
Farmers $6,004 $7,236
GEICO $3,244 $3,899
Liberty Mutual $3,641 $4,297
Nationwide $5,349 $6,784
Progressive $3,226 $3,888
State Farm $4,573 $4,920
Travelers $3,846 $4,719
USAA $2,950 $3,454

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

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

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

ZIP Code Average Annual Rates
90401 $6,707
90402 $7,028
90403 $6,615
90404 $6,603
90405 $6,316

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

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

Annual Santa Monica, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,150 $6,973 $11,050 $5,454
Farmers $4,903 $6,669 $8,289 $6,618
GEICO $2,492 $3,868 $4,832 $3,093
Liberty Mutual $3,446 $4,610 $4,167 $3,652
Nationwide $4,224 $5,424 $9,195 $5,424
Progressive $2,316 $3,963 $4,606 $3,343
State Farm $3,391 $4,042 $7,621 $3,933
Travelers $2,801 $4,695 $5,418 $4,216
USAA $2,122 $3,173 $5,186 $2,326

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

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $11,050
Farmers $8,289
GEICO $4,832
Liberty Mutual $4,167
Nationwide $9,195
Progressive $4,606
State Farm $7,621
Travelers $5,418
USAA $5,186

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

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

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

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

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Find Cheap Santa Monica, California Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $6,907
Farmers $6,620
GEICO $3,571
Liberty Mutual $3,969
Nationwide $6,067
Progressive $3,557
State Farm $4,747
Travelers $4,282
USAA $3,202

What affects Santa Monica, California auto insurance rates?

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

Auto Theft in Santa Monica

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Santa Monica, CA auto theft show a total of 235 vehicle thefts annually.

Commute Times in Santa Monica

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Santa Monica, CA is 26.1 minutes according to City-Data.

Compare Auto Insurance Quotes in Santa Monica, CA

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

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