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

  • Average car insurance rates in Santa Cruz, CA for senior drivers are $2,091/year
  • Average car insurance rates in Santa Cruz, CA are $290/month
  • The cheapest car insurance company in Santa Cruz for teen drivers is Liberty Mutual

Average car insurance rates in Santa Cruz, California are $290 a month. But with a little research you can get a great deal from the top car insurance companies in Santa Cruz, CA. Before you buy Santa Cruz, 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 Cruz car insurance rates with Anaheim car insurance rates, Fresno car insurance rates, or Sacramento car insurance rates to make sure you’re getting the best Santa Cruz, CA car insurance quotes available.

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

Santa Cruz, CA Minimum Car Insurance Coverage

Santa Cruz, 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 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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Santa Cruz, CA Car Insurance Rates by Coverage Level

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

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

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Santa Cruz, 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 $2,354 $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

Santa Cruz, CA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers 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

Santa Cruz, CA Car Insurance Rates for Seniors

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

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

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

Santa Cruz, CA Car Insurance Rates by Driver History

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

Annual Santa Cruz, California Car Insurance Rates by Driving Record

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

Santa Cruz, CA Car Insurance Rates With a DUI

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

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

Insurance Company Annual Car 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

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Santa Cruz, CA Car Insurance Rates by ZIP Code

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

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

ZIP Code Average Annual Rates
95060 $4,247
95064 $4,761

Santa Cruz, CA Car Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Santa Cruz, CA Cheapest Car Insurance Rates

How do the top Santa Cruz, California car insurance companies’ average rates stack up against the Santa Cruz average monthly car insurance rates of $290? Take a look and see.

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

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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Santa Cruz, CA Top Car Insurance Companies

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

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

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

Other Factors Affecting Santa Cruz, CA Car Insurance Rates

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

Santa Cruz, CA Car Theft Rates

The car theft rate in Santa Cruz, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Santa Cruz, California is 261 stolen cars.

Santa Cruz, CA Commute Time

How does your Santa Cruz, CA commute time compare with the average driver? In Santa Cruz, the average commute is 23.5 minutes.

Santa Cruz, CA Traffic

Spending time in Santa Cruz traffic can lead to higher car insurance rates. According to INRIX data, Santa Cruz, CA ranks as the 350th-most congested with traffic in the world.

Santa Cruz, CA Car Insurance Quotes

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