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

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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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 26, 2021

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Things to Remember

  • 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 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.

Monthly Santa Rosa, CA Car Insurance Rates by ZIP Code

Find more info about the monthly Santa Rosa, CA car insurance rates by ZIP Code below:

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

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Santa Rosa, California against other top US metro areas’ auto insurance rates.

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

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

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

The cheapest Santa Rosa, CA auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average California auto insurance company rates?” We cover that as well.

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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.

Santa Rosa, California auto insurance rates by company and age is an essential comparison because the top auto 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 significant role in your Santa Rosa, CA auto insurance rates. Find the cheapest {CITY, STATE} auto insurance rates by coverage level below:

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Your driving record will affect your Santa Rosa auto insurance rates. For example, a Santa Rosa, California DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Santa Rosa, California auto insurance rates by driving record.

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Factors affecting auto insurance rates in Santa Rosa, CA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Santa Rosa, California auto insurance.

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

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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 car insurance in Santa Rosa, CA, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Santa Rosa, 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 Rosa, CA Auto Insurance Rates by ZIP Code
Santa Rosa, CA Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Santa Rosa, CA Auto Insurance Rates by Company vs. City Average
Santa Rosa, CA Auto Insurance Rates by Company and Age
The Cheapest Santa Rosa, CA Auto Insurance Rates by Coverage Level
The Cheapest Santa Rosa, CA Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Santa Rosa, CA
Average Monthly Auto Insurance Rates by Age & Gender in Santa Rosa, CA
Monthly Santa Rosa, CA Auto Insurance Rates by ZIP Code
Santa Rosa, CA Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Santa Rosa, CA Auto Insurance Rates by Company vs. City Average
Santa Rosa, CA Auto Insurance Rates by Company and Age
The Cheapest Santa Rosa, CA Auto Insurance Rates by Coverage Level
The Cheapest Santa Rosa, CA Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Santa Rosa, CA
Average Monthly Auto Insurance Rates by Age & Gender in Santa Rosa, CA