Best Cheap Auto Insurance in Santa Cruz, CA (2022)
The average Santa Cruz, CA auto insurance rates are $290 per month. The minimum auto insurance in Santa Cruz is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in Santa Cruz, California, compare quotes from multiple companies.
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UPDATED: Jun 29, 2022
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Table of Contents
- The average commute length in Santa Cruz is 23.5 minutes
- Average auto insurance rates in Santa Cruz, CA for senior drivers are $2,091 per year
- The cheapest auto insurance company in Santa Cruz is Liberty Mutual
Santa Cruz, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in Santa Cruz can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Santa Cruz, California, including driving record, credit, commute time, and more.
Compare auto insurance in Santa Cruz to other California cities, including Fresno auto insurance rates, Sacramento auto insurance rates, and Long Beach auto insurance rates to see how Santa Cruz, California auto insurance rates stack up.
More: Best Cheap Auto Insurance in Anaheim, CA (2022)
Before you buy Santa Cruz, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Santa Cruz, California auto insurance quotes.
Table of Contents
Minimum Auto Insurance in Santa Cruz, California
Santa Cruz, California auto insurance laws require that you have at least the California minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance 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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Cheap Santa Cruz, California Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Santa Cruz, California are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 |
Cheap Santa Cruz, California Auto Insurance for Teen Drivers
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Finding cheap teen auto insurance in Santa Cruz, California is a challenge. Take a look at the annual teen auto insurance rates 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 |
Cheap Santa Cruz, California Auto Insurance for Seniors
What are senior auto insurance rates in Santa Cruz, California? Take a look at the annual average rates for older drivers.
| 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 |
Cheap Santa Cruz, California Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Santa Cruz, California compared to the annual auto insurance rates with a clean record in Santa Cruz, California.
| 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 |
Cheap Santa Cruz, California Auto Insurance Rates After a DUI
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Finding cheap auto insurance after a DUI in Santa Cruz, California is not easy. Compare the annual rates for DUI auto insurance in Santa Cruz, California to find the best deal.
| 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 |
Cheap Santa Cruz, California Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Santa Cruz, California can vary. Compare the annual cost of auto insurance by ZIP code in Santa Cruz, California to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 95060 | $4,247 |
| 95064 | $4,761 |
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Cheap Santa Cruz, California Auto Insurance Rates By Commute
Commute length and annual mileage affect Santa Cruz, California auto insurance. Find the cheapest annual Santa Cruz, California auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 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 |
Cheap Santa Cruz, California Auto Insurance Rates By Coverage Level
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How much does the coverage level you select affect the cost of your auto insurance in Santa Cruz, California? Check out the comparison of annual Santa Cruz, California auto insurance rates by coverage level.
| 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 |
Best By Category: Cheapest Auto Insurance in Santa Cruz, California
Compare the cheapest auto insurance companies in Santa Cruz, California in each category to find the company with the best rates for your personal needs.
| 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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The Cheapest Santa Cruz, California Auto Insurance Companies
What auto insurance companies in Santa Cruz, California are the cheapest? Compare the top Santa Cruz, California auto insurance companies to find the best annual rates.
| 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 auto insurance rates in Santa Cruz, California?
More: Best Cheap Auto Insurance in San Francisco, CA (2022)
There are a lot of reasons why auto insurance rates in Santa Cruz, California are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Santa Cruz, California. Many local factors may affect your Santa Cruz auto insurance rates.
Santa Cruz Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Santa Cruz, California auto theft statistics, there have been 261 auto thefts in the city.
Santa Cruz Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Santa Cruz, California commute length is 23.5 minutes according to City-Data.
Santa Cruz Traffic
More: Best Cheap Auto Insurance in Oceanside, CA (2022)
How does Santa Cruz, California rank for traffic? According to Inrix Santa Cruz, California is the 350th most congested worldwide.
Compare Santa Cruz, California Auto Insurance Quotes
Before you buy Santa Cruz, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Santa Cruz, California auto insurance quotes.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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