Best Cheap Auto Insurance in Santa Clarita, CA (2021)

The average annual auto insurance rates in Santa Clarita, CA are around $4,079 ($339/mo) which is about $1,300 cheaper than neighboring Los Angeles. The cheapest auto insurance company in Santa Clarita, CA is USAA, although rates will vary for each person. Santa Clarita, CA auto insurance must meet the state minimum requirements with coverage levels of 15/30/5 for liability. Compare Santa Clarita, California car insurance rates online to get the best price for you.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 25, 2021

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Things to Remember

  • The average annual auto insurance rates for Santa Clarita, CA are $4,079
  • The cheapest auto insurance company in Santa Clarita, CA is USAA; the second cheapest is GEICO
  • Santa Clarita, CA rates are affected by the traffic that is shared with Los Angeles
  • The average commute time for Santa Clarita is 35 minutes

Santa Clarita, CA average annual auto insurance rates are above average when compared to other cities in California. But, surprisingly, they are about $1,300 cheaper than Los Angeles which is about 45 minutes to the southeast.

You can save on Santa Clarita, 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 Clarita, California for every age, credit history, and driving record.

Monthly Santa Clarita, CA Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly Santa Clarita, California auto insurance rates by ZIP Code below:

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Santa Clarita, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Santa Clarita, California stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.

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

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

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

Which Santa Clarita, CA car insurance company has the best rates? And how do those rates compare against the average California car insurance company rates? We’ve got the answers below.

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

  • USAA – $2,886
  • GEICO – $2,906
  • Progressive – $3,149
  • Liberty Mutual – $3,576
  • Travelers – $3,683
  • State Farm – $4,674
  • Allstate – $4,973
  • Nationwide – $5,233
  • Farmers – $5,634

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.

Santa Clarita, CA car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Santa Clarita car insurance rates. Find the cheapest Santa Clarita, CA car insurance rates by coverage level below:

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Your credit score will play a significant role in your Santa Clarita car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Santa Clarita, CA car insurance rates by credit score below.

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Factors affecting car insurance rates in Santa Clarita, CA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Santa Clarita, California car insurance.

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These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. CA does use gender, so check out the average monthly car insurance rates by age and gender in Santa Clarita, CA.

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

All Santa Clarita 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 Clarita, CA?

Santa Clarita is the 18th largest city in California and about a 45-minute drive northwest of Los Angeles. Let’s take a look at how Santa Clarita auto insurance rates compare to other cities in California.

  • Beverly Hills, CA — $6,188/yr (most expensive)
  • Los Angeles, CA — $5,344/yr (next closest city)
  • Santa Clarita, CA — $4,079/yr
  • Los Ranchos, CA — $2,731/yr (cheapest)

INRIX doesn’t rank Santa Clarita but it does rank Los Angeles as the 6th most congested city in the U.S. Santa Clarita is northwest of Los Angeles, so traffic heading to a larger city can affect auto insurance rates.

City-Data reports an average commute time for Santa Clarita is 35 minutes.

Auto theft in Santa Clarita also affects rates. The Federal Bureau of Investigation lists 410 auto thefts in a city population of 216,350. That’s a rate of 95 cars stolen per 100,000 population.

Santa Clarita, CA Auto Insurance: The Bottom Line

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Monthly Santa Clarita, CA Auto Insurance Rates by ZIP Code
Santa Clarita, CA Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Santa Clarita, CA Auto Insurance Rates by Company vs. City Average
Santa Clarita, CA Auto Insurance Rates by Company and Age
The Cheapest Santa Clarita, CA Auto Insurance Rates by Coverage Level
The Cheapest Santa Clarita, CA Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Santa Clarita, CA
Average Monthly Auto Insurance Rates by Age & Gender in Santa Clarita, CA
Monthly Santa Clarita, CA Auto Insurance Rates by ZIP Code
Santa Clarita, CA Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Santa Clarita, CA Auto Insurance Rates by Company vs. City Average
Santa Clarita, CA Auto Insurance Rates by Company and Age
The Cheapest Santa Clarita, CA Auto Insurance Rates by Coverage Level
The Cheapest Santa Clarita, CA Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Santa Clarita, CA
Average Monthly Auto Insurance Rates by Age & Gender in Santa Clarita, CA