Best Santa Barbara, CA Car Insurance in 2024
Car insurance in Santa Barbara, CA averages $272 a month. Santa Barbara, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Santa Barbara car insurance rates, compare quotes from the top car insurance companies in Santa Barbara, CA.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Santa Barbara, CA after a DUI are $4,597/year
- The cheapest ZIP code in Santa Barbara is 93111
- The cheapest car insurance company in Santa Barbara for teen drivers is USAA
If you need to buy Santa Barbara, California car insurance, the options can be confusing. Everything you need to know about car insurance in Santa Barbara, CA is right here.
You’ll find Santa Barbara car insurance rates, the cheapest Santa Barbara, CA car insurance companies, and information on California car insurance laws. You can also compare Santa Barbara, California car insurance rates to Oakland car insurance rates, Fresno car insurance rates, and Los Angeles car insurance rates.
Ready to find affordable Santa Barbara, CA car insurance today? Enter your ZIP code for fast, free Santa Barbara car insurance quotes.
Cheapest Santa Barbara, CA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Santa Barbara, CA car insurance rates? Every Santa Barbara, California car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $2,595 | $2,590 | $1,902 | $1,912 | $7,248 | $9,099 | $3,293 | $3,589 |
| Farmers | $1,991 | $1,991 | $1,816 | $1,816 | $6,339 | $10,273 | $2,360 | $2,632 |
| Geico | $1,637 | $1,638 | $1,540 | $1,540 | $4,979 | $5,057 | $2,351 | $2,399 |
| Liberty Mutual | $2,008 | $1,896 | $1,876 | $1,816 | $4,370 | $4,668 | $2,256 | $2,280 |
| Nationwide | $2,977 | $2,840 | $2,614 | $2,462 | $7,613 | $8,394 | $3,556 | $3,508 |
| Progressive | $1,763 | $1,814 | $1,508 | $1,785 | $4,737 | $5,696 | $2,546 | $2,736 |
| State Farm | $2,872 | $2,872 | $2,568 | $2,568 | $5,319 | $6,597 | $3,182 | $3,281 |
| Travelers | $2,282 | $2,207 | $2,025 | $2,004 | $4,729 | $5,385 | $2,963 | $2,894 |
| USAA | $1,879 | $1,779 | $1,834 | $1,840 | $4,284 | $4,317 | $2,605 | $2,461 |
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Minimum Car Insurance in Santa Barbara, CA
Every driver must carry the minimum car insurance in Santa Barbara, CA. Take a look at the California car insurance requirements.
| 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 |
Cheapest Santa Barbara, CA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Santa Barbara, CA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,439 | $4,076 | $6,409 | $3,191 |
| Farmers | $2,708 | $3,681 | $4,570 | $3,650 |
| Geico | $1,847 | $2,855 | $3,577 | $2,291 |
| Liberty Mutual | $2,297 | $3,076 | $2,777 | $2,434 |
| Nationwide | $2,965 | $3,800 | $6,417 | $3,800 |
| Progressive | $1,846 | $3,145 | $3,640 | $2,661 |
| State Farm | $2,612 | $3,114 | $5,874 | $3,030 |
| Travelers | $2,047 | $3,330 | $3,858 | $3,009 |
| USAA | $1,744 | $2,599 | $4,246 | $1,911 |
Cheapest Santa Barbara, CA Car Insurance for Teen Drivers
Teen car insurance in Santa Barbara, CA can be expensive. Take a look at rates from the top car insurance companies in Santa Barbara for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,248 | $9,099 |
| Farmers | $6,339 | $10,273 |
| Geico | $4,979 | $5,057 |
| Liberty Mutual | $4,370 | $4,668 |
| Nationwide | $7,613 | $8,394 |
| Progressive | $4,737 | $5,696 |
| State Farm | $5,319 | $6,597 |
| Travelers | $4,729 | $5,385 |
| USAA | $4,284 | $4,317 |
Cheapest Santa Barbara, CA Car Insurance for Seniors
Take a look at Santa Barbara, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,902 | $1,912 |
| Farmers | $1,816 | $1,816 |
| Geico | $1,540 | $1,540 |
| Liberty Mutual | $1,876 | $1,816 |
| Nationwide | $2,614 | $2,462 |
| Progressive | $1,508 | $1,785 |
| State Farm | $2,568 | $2,568 |
| Travelers | $2,025 | $2,004 |
| USAA | $1,834 | $1,840 |
Cheapest Santa Barbara, CA Car Insurance Rates After a DUI
A DUI in Santa Barbara, CA increases car insurance rates. Compare Santa Barbara, California DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,409 |
| Farmers | $4,570 |
| Geico | $3,577 |
| Liberty Mutual | $2,777 |
| Nationwide | $6,417 |
| Progressive | $3,640 |
| State Farm | $5,874 |
| Travelers | $3,858 |
| USAA | $4,246 |
Cheapest Santa Barbara, CA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Santa Barbara, CA by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,633 | $4,424 |
| Farmers | $3,313 | $3,992 |
| Geico | $2,400 | $2,885 |
| Liberty Mutual | $2,431 | $2,862 |
| Nationwide | $3,749 | $4,742 |
| Progressive | $2,560 | $3,086 |
| State Farm | $3,525 | $3,790 |
| Travelers | $2,757 | $3,365 |
| USAA | $2,420 | $2,830 |
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Cheapest Santa Barbara, CA Car Insurance Rates by ZIP Code
Santa Barbara car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Santa Barbara, CA.
| ZIP Code | Average Annual Rates |
|---|---|
| 93101 | $4,406 |
| 93103 | $4,378 |
| 93105 | $4,280 |
| 93106 | $4,784 |
| 93109 | $4,415 |
| 93110 | $4,285 |
| 93111 | $4,099 |
The Best Cheap Car Insurance Companies in Santa Barbara, CA
Take a look at a side-by-side comparison of the top car insurance companies in Santa Barbara, CA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,029 |
| Farmers | $3,652 |
| Geico | $2,642 |
| Liberty Mutual | $2,646 |
| Nationwide | $4,245 |
| Progressive | $2,823 |
| State Farm | $3,657 |
| Travelers | $3,061 |
| USAA | $2,625 |
Category Winners: Cheapest Car Insurance in Santa Barbara, California
Find the cheapest car insurance companies in Santa Barbara, CA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Geico |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
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Cheapest Santa Barbara, CA Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Santa Barbara car insurance rates. Find the cheapest Santa Barbara, CA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,799 | $4,066 | $4,221 |
| Farmers | $3,362 | $3,686 | $3,909 |
| Geico | $2,375 | $2,675 | $2,877 |
| Liberty Mutual | $2,460 | $2,670 | $2,808 |
| Nationwide | $3,809 | $4,323 | $4,605 |
| Progressive | $2,511 | $2,914 | $3,044 |
| State Farm | $3,284 | $3,724 | $3,964 |
| Travelers | $2,659 | $3,148 | $3,377 |
| USAA | $2,389 | $2,674 | $2,811 |
What affects car insurance rates in Santa Barbara, California?
What factors can have an impact on Santa Barbara, CA car insurance? There are several reasons why Santa Barbara car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Santa Barbara, California.
Car Theft in Santa Barbara
High levels of vehicle theft can make car insurance more expensive. Santa Barbara, CA car theft statistics from the FBI indicate 178 vehicle thefts a year.
Commute Time in Santa Barbara
The more time you spend in your car the higher the risk of an accident. The average commute length in Santa Barbara, CA is 17.2 minutes according to City-Data.
Compare Car Insurance Quotes in Santa Barbara, CA
Ready to find affordable Santa Barbara, California car insurance today? Enter your ZIP code for fast, free Santa Barbara, CA car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
What factors affect car insurance rates in Santa Barbara, CA?
Several factors can influence car insurance rates in Santa Barbara, CA. These factors include your age, gender, driving record, type of vehicle, location, credit history, and coverage limits. Insurance companies use these factors to assess the level of risk associated with insuring you and determine your premium.
Are car insurance rates higher in Santa Barbara, CA compared to other areas?
Car insurance rates can vary depending on the location. In general, Santa Barbara, CA is known to have higher car insurance rates compared to some other areas. This is due to factors such as the city’s population density, traffic congestion, frequency of accidents, and the cost of living.
What is the minimum car insurance coverage required in Santa Barbara, CA?
In Santa Barbara, CA, the minimum car insurance coverage required by law is liability insurance. The minimum limits are typically 15/30/5, which means $15,000 bodily injury liability coverage per person, $30,000 bodily injury liability coverage per accident, and $5,000 property damage liability coverage per accident. It’s important to note that these are just the minimum requirements, and it’s often recommended to consider higher coverage limits for better protection.
What are some ways to lower car insurance rates in Santa Barbara, CA?
Here are a few strategies to potentially lower your car insurance rates in Santa Barbara, CA:
- Maintain a clean driving record with no accidents or traffic violations.
- Opt for a higher deductible, which can lower your premium.
- Bundle your car insurance with other policies, such as homeowner’s insurance, to qualify for multi-policy discounts.
- Take advantage of available discounts, such as safe driver discounts, good student discounts, or discounts for safety features in your vehicle.
- Shop around and compare quotes from different insurance companies to find the best rate.
How can I find the best car insurance rates in Santa Barbara, CA?
To find the best car insurance rates in Santa Barbara, CA, it’s important to shop around and compare quotes from multiple insurance companies. You can contact insurance agents directly, use online comparison tools, or consult with an independent insurance broker who can help you navigate the options and find the most competitive rates based on your specific needs and circumstances.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed 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.