Best Cheap Auto Insurance in Santa Maria, TX (2021)

The average Santa Maria, TX auto insurance rates are $359 per month. The minimum auto insurance in Santa Maria is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Santa Maria, Texas, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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: May 17, 2021

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Things to Remember

  • The average commute length in Santa Maria is 19.9 minutes
  • The cheapest auto insurance company in Santa Maria is State Farm
  • The minimum auto insurance required in Santa Maria, Texas is 30/60/25

Santa Maria, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Santa Maria 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 Maria, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Santa Maria to other Texas cities, including Houston auto insurance rates, El Paso auto insurance rates, and Austin auto insurance rates to see how Santa Maria, Texas auto insurance rates stack up.

Before you buy Santa Maria, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Santa Maria, Texas auto insurance quotes.

Minimum Auto Insurance in Santa Maria, Texas

Santa Maria, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Santa Maria, Texas.

Minimum Required Auto Insurance Coverage in Santa Maria, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Santa Maria, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Santa Maria, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Santa Maria, Texas

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 $3,713 $3,770 $3,673 $3,673 $9,324 $11,329 $4,597 $4,825
American Family $3,026 $3,359 $2,749 $3,145 $7,556 $9,854 $4,268 $4,841
GEICO $2,329 $2,526 $2,299 $2,644 $4,935 $5,054 $2,493 $2,430
Nationwide $3,468 $3,543 $3,050 $3,253 $9,499 $12,319 $4,042 $4,399
Progressive $2,882 $2,761 $2,533 $2,595 $11,288 $12,619 $3,415 $3,465
State Farm $2,104 $2,104 $1,866 $1,866 $4,944 $6,274 $2,282 $2,342
USAA $1,959 $1,994 $1,871 $1,890 $5,236 $5,757 $2,626 $2,860

Cheap Santa Maria, Texas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Santa Maria, Texas is a challenge. Take a look at the annual teen auto insurance rates in Santa Maria, Texas.

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,324 $11,329
American Family $7,556 $9,854
GEICO $4,935 $5,054
Nationwide $9,499 $12,319
Progressive $11,288 $12,619
State Farm $4,944 $6,274
USAA $5,236 $5,757

Cheap Santa Maria, Texas Auto Insurance for Seniors

What are senior auto insurance rates in Santa Maria, Texas? Take a look at the annual average rates for older drivers.

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,673 $3,673
American Family $2,749 $3,145
GEICO $2,299 $2,644
Nationwide $3,050 $3,253
Progressive $2,533 $2,595
State Farm $1,866 $1,866
USAA $1,871 $1,890

Cheap Santa Maria, Texas 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 Maria, Texas compared to the annual auto insurance rates with a clean record in Santa Maria, Texas.

Annual Santa Maria, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,458 $6,654 $6,882 $4,458
American Family $4,443 $5,589 $4,923 $4,443
GEICO $2,624 $3,446 $2,893 $3,394
Nationwide $4,700 $4,700 $7,052 $5,335
Progressive $4,527 $5,812 $5,320 $5,120
State Farm $2,648 $3,028 $3,568 $2,648
USAA $2,265 $3,331 $3,896 $2,604

Cheap Santa Maria, Texas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Santa Maria, Texas is not easy. Compare the annual rates for DUI auto insurance in Santa Maria, Texas to find the best deal.

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,882
American Family $4,923
GEICO $2,893
Nationwide $7,052
Progressive $5,320
State Farm $3,568
USAA $3,896

Cheap Santa Maria, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Santa Maria, Texas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Santa Maria, Texas

Insurance Company Poor Fair Good
Allstate $7,174 $5,216 $4,449
American Family $6,688 $4,203 $3,659
GEICO $4,761 $2,701 $1,805
Nationwide $6,591 $5,219 $4,530
Progressive $5,917 $5,034 $4,634
State Farm $4,214 $2,619 $2,085
USAA $4,451 $2,562 $2,060

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Cheap Santa Maria, Texas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Santa Maria, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Santa Maria, Texas to see how car insurance rates are affected by location.

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

ZIP Code Average Annual Rates
78592 $6,334

Cheap Santa Maria, Texas Auto Insurance Rates By Commute

Commute length and annual mileage affect Santa Maria, Texas auto insurance. Find the cheapest annual Santa Maria, Texas auto insurance by commute length.

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,485 $5,740
American Family $4,850 $4,850
GEICO $3,027 $3,151
Nationwide $5,447 $5,447
Progressive $5,195 $5,195
State Farm $2,973 $2,973
USAA $2,985 $3,064

Cheap Santa Maria, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Santa Maria, Texas? Check out the comparison of annual Santa Maria, Texas auto insurance rates by coverage level.

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

Insurance Company Low Medium High
Allstate $5,482 $5,564 $5,792
American Family $4,472 $4,643 $5,433
GEICO $2,854 $3,017 $3,396
Nationwide $5,795 $5,197 $5,347
Progressive $4,864 $5,168 $5,553
State Farm $2,782 $2,950 $3,187
USAA $2,905 $3,007 $3,160

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Best By Category: Cheapest Auto Insurance in Santa Maria, Texas

Compare the cheapest auto insurance companies in Santa Maria, Texas in each category to find the company with the best rates for your personal needs.

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

Category Insurance Company
Teenagers GEICO
Seniors State Farm
Clean Record USAA
With 1 Accident State Farm
With 1 DUI GEICO
With 1 Speeding Violation USAA

The Cheapest Santa Maria, Texas Auto Insurance Companies

What auto insurance companies in Santa Maria, Texas are the cheapest? Compare the top Santa Maria, Texas auto insurance companies to find the best annual rates.

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

Insurance Company Average Annual Rates
Allstate $5,613
American Family $4,850
GEICO $3,089
Nationwide $5,447
Progressive $5,195
State Farm $2,973
USAA $3,024

What affects auto insurance rates in Santa Maria, Texas?

There are a lot of reasons why auto insurance rates in Santa Maria, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Santa Maria, Texas. Many local factors may affect your Santa Maria auto insurance rates.

Santa Maria Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Santa Maria, Texas commute length is 19.9 minutes according to City-Data.

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Compare Santa Maria, Texas Auto Insurance Quotes

Before you buy Santa Maria, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Santa Maria, Texas auto insurance quotes.

Free Auto Insurance Comparison

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