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

The average Santa Rosa, TX auto insurance rates are $358 per month. The minimum auto insurance in Santa Rosa is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Santa Rosa, 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 minimum auto insurance required in Santa Rosa, Texas is 30/60/25
  • Average auto insurance rates in Santa Rosa, TX for senior drivers are $2,652 per year
  • The most expensive auto insurance company in Santa Rosa for teen drivers is Allstate

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

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

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

Minimum Auto Insurance in Santa Rosa, Texas

Santa Rosa, 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 Rosa, Texas.

Minimum Required Auto Insurance Coverage in Santa Rosa, 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 Rosa, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Santa Rosa, 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 Rosa, 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 $4,209 $4,268 $4,161 $4,161 $10,570 $12,825 $5,200 $5,449
American Family $2,887 $3,209 $2,642 $3,026 $7,308 $9,510 $4,089 $4,635
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 $2,570 $2,453 $2,271 $2,322 $10,279 $11,484 $3,040 $3,081
State Farm $2,000 $2,000 $1,774 $1,774 $4,700 $5,965 $2,168 $2,226
USAA $1,951 $1,987 $1,863 $1,883 $5,210 $5,729 $2,616 $2,849

Cheap Santa Rosa, Texas Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,570 $12,825
American Family $7,308 $9,510
GEICO $4,935 $5,054
Nationwide $9,499 $12,319
Progressive $10,279 $11,484
State Farm $4,700 $5,965
USAA $5,210 $5,729

Cheap Santa Rosa, Texas Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,161 $4,161
American Family $2,642 $3,026
GEICO $2,299 $2,644
Nationwide $3,050 $3,253
Progressive $2,271 $2,322
State Farm $1,774 $1,774
USAA $1,863 $1,883

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

Annual Santa Rosa, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,035 $7,550 $7,803 $5,035
American Family $4,270 $5,377 $4,736 $4,270
GEICO $2,624 $3,446 $2,893 $3,394
Nationwide $4,700 $4,700 $7,052 $5,335
Progressive $4,088 $5,260 $4,791 $4,612
State Farm $2,517 $2,878 $3,391 $2,517
USAA $2,256 $3,317 $3,879 $2,593

Cheap Santa Rosa, Texas Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,803
American Family $4,736
GEICO $2,893
Nationwide $7,052
Progressive $4,791
State Farm $3,391
USAA $3,879

Cheap Santa Rosa, Texas Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $8,119 $5,906 $5,042
American Family $6,411 $4,051 $3,527
GEICO $4,761 $2,701 $1,805
Nationwide $6,591 $5,219 $4,530
Progressive $5,317 $4,549 $4,198
State Farm $4,004 $2,490 $1,984
USAA $4,431 $2,551 $2,051

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Cheap Santa Rosa, Texas Auto Insurance Rates By ZIP Code

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

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

ZIP Code Average Annual Rates
78593 $6,283

Cheap Santa Rosa, Texas Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,206 $6,505
American Family $4,663 $4,663
GEICO $3,027 $3,151
Nationwide $5,447 $5,447
Progressive $4,688 $4,688
State Farm $2,826 $2,826
USAA $2,971 $3,050

Cheap Santa Rosa, Texas Auto Insurance Rates By Coverage Level

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

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

Insurance Company Low Medium High
Allstate $6,202 $6,298 $6,566
American Family $4,293 $4,461 $5,237
GEICO $2,854 $3,017 $3,396
Nationwide $5,795 $5,197 $5,347
Progressive $4,404 $4,663 $4,995
State Farm $2,646 $2,805 $3,027
USAA $2,892 $2,994 $3,146

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

Compare the cheapest auto insurance companies in Santa Rosa, 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 Rosa, 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 State Farm

The Cheapest Santa Rosa, Texas Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $6,355
American Family $4,663
GEICO $3,089
Nationwide $5,447
Progressive $4,688
State Farm $2,826
USAA $3,011

What affects auto insurance rates in Santa Rosa, Texas?

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

Santa Rosa 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 Rosa, Texas auto theft statistics, there have been 0 auto thefts in the city.

Santa Rosa Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Santa Rosa, Texas commute length is 14.1 minutes according to City-Data.

Santa Rosa Traffic

How does Santa Rosa, Texas rank for traffic? According to Inrix Santa Rosa, Texas is the 155th most congested worldwide.

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Compare Santa Rosa, Texas Auto Insurance Quotes

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

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

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