Santa Cruz, CA Auto Insurance (2024)
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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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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.
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
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.
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
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
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
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?
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
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.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
What other types of auto insurance coverage are available in Santa Cruz, CA?
In addition to the minimum liability coverage, there are several other types of auto insurance coverage available in Santa Cruz, CA. These include:
- Collision coverage: Covers the cost of repairing or replacing your vehicle in case of a collision, regardless of fault.
- Comprehensive coverage: Protects your vehicle against damage caused by incidents other than collisions, such as theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: Provides coverage if you are involved in an accident with a driver who doesn’t have insurance or has insufficient coverage to pay for damages.
- Medical payments coverage: Covers medical expenses for you and your passengers, regardless of who is at fault in an accident.
How are auto insurance rates determined in Santa Cruz, CA?
Auto insurance rates in Santa Cruz, CA are determined based on several factors, including:
- Your driving record: Insurance companies consider your history of accidents, tickets, and other driving violations.
- Vehicle make and model: The type of vehicle you drive can affect insurance rates.
- Age and gender: Younger drivers typically have higher rates, and males may have different rates than females.
- Coverage limits and deductibles: The amount of coverage you choose and the deductible you’re willing to pay can impact your rates.
- Location: Where you live can affect insurance rates due to factors like population density, crime rates, and the likelihood of accidents.
How can I find affordable auto insurance in Santa Cruz, CA?
To find affordable auto insurance in Santa Cruz, CA, consider the following tips:
- Compare quotes from multiple insurance companies to find the best rates.
- Opt for higher deductibles, but make sure you can afford to pay them if needed.
- Take advantage of available discounts, such as safe driver discounts or bundling multiple policies.
- Maintain a good driving record and avoid accidents and traffic violations.
- Consider the type of vehicle you drive, as some cars have higher insurance costs.
- Ask your insurance agent about any available discounts or special programs.
Can my auto insurance policy be canceled or non-renewed in Santa Cruz, CA?
Yes, auto insurance policies can be canceled or non-renewed in Santa Cruz, CA, under certain circumstances. Insurance companies have the right to cancel a policy for reasons such as non-payment of premiums, misrepresentation of information, or a high number of accidents or violations. Non-renewal can occur when the insurance company decides not to renew your policy at the end of its term, usually for reasons related to your driving record or changes in their underwriting guidelines.
Are there any specific requirements for auto insurance in Santa Cruz, CA related to environmental factors?
As of my knowledge cutoff in September 2021, there were no specific auto insurance requirements in Santa Cruz, CA related to environmental factors. However, it’s essential to stay informed about any changes in local regulations or policies that may affect auto insurance requirements in relation to environmental factors.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.