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 annual number of car thefts in Santa Maria is 576.
  • The cheapest car insurance company in Santa Maria after a DUI is Liberty Mutual
  • The cheapest car insurance company in Santa Maria for teen drivers is USAA

Average car insurance rates in Santa Maria, California are $245 a month. But with a little research you can get a great deal from the top car insurance companies in Santa Maria, CA. Before you buy Santa Maria, 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 Maria car insurance rates with Fresno car insurance rates, Los Angeles car insurance rates, or Bakersfield car insurance rates to make sure you’re getting the best Santa Maria, CA car insurance quotes available.

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

Santa Maria, CA Minimum Car Insurance Coverage

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

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

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

Insurance Company Low Medium High
Allstate $3,277 $3,468 $3,577
Farmers $3,222 $3,503 $3,701
GEICO $2,224 $2,500 $2,688
Liberty Mutual $2,276 $2,470 $2,600
Nationwide $3,294 $3,712 $3,951
Progressive $2,077 $2,356 $2,442
State Farm $3,170 $3,544 $3,758
Travelers $2,503 $2,895 $3,079
USAA $2,187 $2,430 $2,546

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Santa Maria, 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 $2,212 $2,213 $1,627 $1,643 $6,153 $7,736 $2,832 $3,110
Farmers $1,896 $1,896 $1,718 $1,718 $6,017 $9,813 $2,245 $2,500
GEICO $1,532 $1,533 $1,441 $1,441 $4,649 $4,724 $2,199 $2,246
Liberty Mutual $1,865 $1,762 $1,739 $1,684 $4,025 $4,299 $2,095 $2,119
Nationwide $2,578 $2,463 $2,255 $2,128 $6,509 $7,179 $3,069 $3,036
Progressive $1,451 $1,493 $1,227 $1,456 $3,805 $4,592 $2,076 $2,231
State Farm $2,753 $2,753 $2,460 $2,460 $5,050 $6,259 $3,047 $3,143
Travelers $2,122 $2,059 $1,882 $1,861 $4,292 $4,944 $2,751 $2,693
USAA $1,715 $1,627 $1,675 $1,684 $3,870 $3,901 $2,379 $2,250

Santa Maria, CA Car Insurance Rates for Teens

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,153 $7,736
Farmers $6,017 $9,813
GEICO $4,649 $4,724
Liberty Mutual $4,025 $4,299
Nationwide $6,509 $7,179
Progressive $3,805 $4,592
State Farm $5,050 $6,259
Travelers $4,292 $4,944
USAA $3,870 $3,901

Santa Maria, CA Car Insurance Rates for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,627 $1,643
Farmers $1,718 $1,718
GEICO $1,441 $1,441
Liberty Mutual $1,739 $1,684
Nationwide $2,255 $2,128
Progressive $1,227 $1,456
State Farm $2,460 $2,460
Travelers $1,882 $1,861
USAA $1,675 $1,684

Santa Maria, CA Car Insurance Rates by Driver History

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

Annual Santa Maria, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,085 $3,494 $5,456 $2,727
Farmers $2,572 $3,501 $4,355 $3,474
GEICO $1,728 $2,666 $3,346 $2,143
Liberty Mutual $2,125 $2,847 $2,571 $2,252
Nationwide $2,555 $3,269 $5,515 $3,269
Progressive $1,508 $2,545 $2,946 $2,167
State Farm $2,489 $2,970 $5,614 $2,890
Travelers $1,908 $3,058 $3,564 $2,771
USAA $1,589 $2,359 $3,862 $1,740

Santa Maria, CA Car Insurance Rates With a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,456
Farmers $4,355
GEICO $3,346
Liberty Mutual $2,571
Nationwide $5,515
Progressive $2,946
State Farm $5,614
Travelers $3,564
USAA $3,862

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Santa Maria, CA Car Insurance Rates by ZIP Code

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

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

ZIP Code Average Annual Rates
93454 $3,978
93458 $4,029

Santa Maria, CA Car Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,110 $3,771
Farmers $3,154 $3,797
GEICO $2,244 $2,697
Liberty Mutual $2,249 $2,648
Nationwide $3,227 $4,077
Progressive $2,080 $2,502
State Farm $3,364 $3,617
Travelers $2,546 $3,105
USAA $2,202 $2,573

Santa Maria, CA Cheapest Car Insurance Rates

How do the top Santa Maria, California car insurance companies’ average rates stack up against the Santa Maria average monthly car insurance rates of $245? Take a look and see.

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

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record Progressive
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Santa Maria, CA Top Car Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $3,441
Farmers $3,475
GEICO $2,471
Liberty Mutual $2,449
Nationwide $3,652
Progressive $2,291
State Farm $3,491
Travelers $2,825
USAA $2,388

Other Factors Affecting Santa Maria, CA Car Insurance Rates

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

Santa Maria, CA Car Theft Rates

The car theft rate in Santa Maria, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Santa Maria, California is 576 stolen cars.

Santa Maria, CA Commute Time

How does your Santa Maria, CA commute time compare with the average driver? In Santa Maria, the average commute is 21.7 minutes.

Santa Maria, CA Car Insurance Quotes

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