Buy Cheap Santa Rosa, CA Auto Insurance

The average annual auto insurance rates in Santa Rosa, CA are around $3,526 ($293/mo). The cheapest auto insurance company in Santa Rosa, CA is USAA, although rates will vary for each person. Santa Rosa, CA auto insurance must meet the state minimum requirements with coverage levels of 15/30/5 for liability. Compare Santa Rosa, California, car insurance quotes online to get the best price for you.

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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: May 2, 2021

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A Concise Overview

  • The average annual auto insurance rates for Santa Rosa, CA are $3,526 ($293/mo)
  • The cheapest auto insurance company in Santa Rosa, CA is USAA; the second cheapest is GEICO
  • Santa Rosa, CA auto insurance rates are affected by the traffic that is shared with San Francisco
  • The average commute time for Santa Rosa is 22.6 minutes

Santa Rosa, CA average annual auto insurance rates are about average when compared to other cities in California. But, surprisingly, they are about $800 cheaper than San Francisco which is a little over an hour to the south.

You can save on Santa Rosa, California, auto insurance by shopping around, comparing rates, and looking for discounts, and we can help.

Below you’ll find information on how to get cheap auto insurance in Santa Rosa, California for every age, credit history, and driving record.

Ready to find affordable Santa Rosa, CA auto insurance? Enter your ZIP code above to get started.

What is the cheapest auto insurance company in Santa Rosa, CA?

The cheapest Santa Rosa, CA auto insurance company, based on average rates, is USAA; however, USAA offers auto insurance only to military affiliates. GEICO is the next cheapest auto insurance company.

The top auto insurance companies in Santa Rosa, CA, ranked from cheapest to most expensive are:

  • USAA – $2,574
  • GEICO – $2,683
  • Progressive – $2,775
  • Liberty Mutual – $2,956
  • Travelers – $3,262
  • Allstate – $4,072
  • Nationwide – $4,310
  • State Farm – $4,346
  • Farmers – $4,755

There are a lot of factors that determine your auto insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

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What auto insurance coverage is required in Santa Rosa, CA?

All Santa Rosa drivers have to meet the California state law minimum requirements to buy auto insurance.

In California, you have to carry at least:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

It’s recommended that most drivers carry more than the state minimum.

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What affects auto insurance rates in Santa Rosa, CA?

Santa Rosa is the 25th largest city in California and a little over an hour drive north of San Francisco. Let’s take a look at how Santa Rosa auto insurance rates compare to other cities in California.

  • Beverly Hills, CA — $6,188 (most expensive)
  • San Francisco, CA — $4,325 (next closest city)
  • Santa Rosa, CA — $3,526
  • Los Ranchos, CA — $2,731 (cheapest)

INRIX ranks Santa Rosa as the 50th most congested city in the U.S. Santa Rosa is north of San Francisco, so traffic heading to a larger city can affect auto insurance rates.

City-Data reports an average commute time for Santa Rosa is 22.6 minutes.

Auto theft in Santa Rosa also affects rates. The Federal Bureau of Investigation lists 411 auto thefts in a city population of 176,361. That’s a rate of 233 cars stolen per 100,000 population.

Santa Rosa, CA Auto Insurance: The Bottom Line

Santa Rosa has fairly average auto insurance rates compared to other cities of its size in California, but you can still save by shopping around and comparing.

Before you buy Santa Rosa, CA, auto insurance, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Santa Rosa, CA auto insurance quotes.

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