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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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Santa Barbara for teen drivers is USAA
  • The cheapest car insurance company in Santa Barbara after a DUI is Liberty Mutual
  • Average car insurance rates in Santa Barbara, CA for senior drivers are $1,968/year

Average car insurance rates in Santa Barbara, California are $272 a month. But with a little research you can get a great deal from the top car insurance companies in Santa Barbara, CA. Before you buy Santa Barbara, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare Santa Barbara car insurance rates with Bakersfield car insurance rates, Anaheim car insurance rates, or San Francisco car insurance rates to make sure you’re getting the best Santa Barbara, CA car insurance quotes available.

Need affordable Santa Barbara, CA car insurance? Enter your ZIP code to compare Santa Barbara car insurance quotes from multiple car insurance companies near you.

Santa Barbara, CA Minimum Car Insurance Coverage

Santa Barbara, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Santa Barbara, 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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Santa Barbara, CA Car Insurance Rates by Coverage Level

Some Santa Barbara drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your Santa Barbara, California car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Santa Barbara, California

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

Santa Barbara, CA Car Insurance Rates by Age, Gender, and Marital Status

Santa Barbara, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Santa Barbara, CA car insurance, get quotes from multiple car insurance companies in the Santa Barbara area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Santa Barbara, California

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

Santa Barbara, CA Car Insurance Rates for Teens

How much is Santa Barbara, California car insurance for teens? Compare rates from top Santa Barbara car insurance companies below to help find the cheapest teen car insurance in Santa Barbara, CA.

Annual Car Insurance Rates for Teen Drivers in Santa Barbara, California

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

Santa Barbara, CA Car Insurance Rates for Seniors

Before seniors buy Santa Barbara, California car insurance, they should make sure to shop around. Some Santa Barbara, CA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Santa Barbara, California

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

Santa Barbara, CA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Santa Barbara, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Santa Barbara.

Annual Santa Barbara, California Car Insurance Rates by Driving Record

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

Santa Barbara, CA Car Insurance Rates With a DUI

Even a single DUI can increase your Santa Barbara, CA car insurance rates. Compare rates below to see which Santa Barbara car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Santa Barbara, California

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

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Santa Barbara, CA Car Insurance Rates by ZIP Code

Just like Santa Barbara car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Santa Barbara, CA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Santa Barbara, California

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

Santa Barbara, CA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Santa Barbara, CA car insurance rates may be. Let’s take a look at average car insurance rates from top Santa Barbara companies based on commute time.

Annual Car Insurance Rates by Commute Length in Santa Barbara, California

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

Santa Barbara, CA Cheapest Car Insurance Rates

How do the top Santa Barbara, California car insurance companies’ average rates stack up against the Santa Barbara average monthly car insurance rates of $272? Take a look and see.

Best Annual Car Insurance Rates by Company in Santa Barbara, California

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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Santa Barbara, CA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Santa Barbara, California car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Santa Barbara, California

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

Other Factors Affecting Santa Barbara, CA Car Insurance Rates

Before you buy Santa Barbara, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Santa Barbara, CA Car Theft Rates

The car theft rate in Santa Barbara, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Santa Barbara, California is 178 stolen cars.

Santa Barbara, CA Commute Time

How does your Santa Barbara, CA commute time compare with the average driver? In Santa Barbara, the average commute is 17.2 minutes.

Santa Barbara, CA Car Insurance Quotes

Compare Santa Barbara, CA car insurance quotes from multiple companies by entering your ZIP code now.