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 Monica, CA for senior drivers are $2,814/year
  • The annual number of car thefts in Santa Monica is 235.
  • The cheapest car insurance company in Santa Monica after a DUI is Liberty Mutual

Average car insurance rates in Santa Monica, California are $397 a month. But with a little research you can get a great deal from the top car insurance companies in Santa Monica, CA. Before you buy Santa Monica, 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 Monica car insurance rates with Long Beach car insurance rates, Bakersfield car insurance rates, or Sacramento car insurance rates to make sure you’re getting the best Santa Monica, CA car insurance quotes available.

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

Santa Monica, CA Minimum Car Insurance Coverage

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

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

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

Insurance Company Low Medium High
Allstate $6,457 $6,978 $7,285
Farmers $6,120 $6,680 $7,060
GEICO $3,219 $3,615 $3,881
Liberty Mutual $3,639 $4,010 $4,257
Nationwide $5,414 $6,181 $6,605
Progressive $3,155 $3,670 $3,845
State Farm $4,237 $4,837 $5,166
Travelers $3,634 $4,418 $4,794
USAA $2,888 $3,268 $3,450

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Santa Monica, 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 $4,419 $4,396 $3,211 $3,215 $12,586 $15,793 $5,587 $6,046
Farmers $3,589 $3,589 $3,262 $3,262 $11,508 $18,734 $4,261 $4,754
GEICO $2,206 $2,206 $2,073 $2,073 $6,750 $6,855 $3,174 $3,235
Liberty Mutual $3,014 $2,824 $2,832 $2,731 $6,514 $7,040 $3,366 $3,430
Nationwide $4,238 $4,038 $3,721 $3,499 $10,919 $12,060 $5,067 $4,992
Progressive $2,201 $2,267 $1,885 $2,236 $5,995 $7,222 $3,202 $3,446
State Farm $3,724 $3,724 $3,331 $3,331 $6,909 $8,579 $4,125 $4,252
Travelers $3,151 $3,034 $2,779 $2,751 $6,773 $7,632 $4,119 $4,019
USAA $2,284 $2,160 $2,225 $2,231 $5,268 $5,299 $3,163 $2,985

Santa Monica, CA Car Insurance Rates for Teens

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,586 $15,793
Farmers $11,508 $18,734
GEICO $6,750 $6,855
Liberty Mutual $6,514 $7,040
Nationwide $10,919 $12,060
Progressive $5,995 $7,222
State Farm $6,909 $8,579
Travelers $6,773 $7,632
USAA $5,268 $5,299

Santa Monica, CA Car Insurance Rates for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,211 $3,215
Farmers $3,262 $3,262
GEICO $2,073 $2,073
Liberty Mutual $2,832 $2,731
Nationwide $3,721 $3,499
Progressive $1,885 $2,236
State Farm $3,331 $3,331
Travelers $2,779 $2,751
USAA $2,225 $2,231

Santa Monica, CA Car Insurance Rates by Driver History

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

Annual Santa Monica, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,150 $6,973 $11,050 $5,454
Farmers $4,903 $6,669 $8,289 $6,618
GEICO $2,492 $3,868 $4,832 $3,093
Liberty Mutual $3,446 $4,610 $4,167 $3,652
Nationwide $4,224 $5,424 $9,195 $5,424
Progressive $2,316 $3,963 $4,606 $3,343
State Farm $3,391 $4,042 $7,621 $3,933
Travelers $2,801 $4,695 $5,418 $4,216
USAA $2,122 $3,173 $5,186 $2,326

Santa Monica, CA Car Insurance Rates With a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $11,050
Farmers $8,289
GEICO $4,832
Liberty Mutual $4,167
Nationwide $9,195
Progressive $4,606
State Farm $7,621
Travelers $5,418
USAA $5,186

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Santa Monica, CA Car Insurance Rates by ZIP Code

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

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

ZIP Code Average Annual Rates
90401 $6,707
90402 $7,028
90403 $6,615
90404 $6,603
90405 $6,316

Santa Monica, CA Car Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,210 $7,603
Farmers $6,004 $7,236
GEICO $3,244 $3,899
Liberty Mutual $3,641 $4,297
Nationwide $5,349 $6,784
Progressive $3,226 $3,888
State Farm $4,573 $4,920
Travelers $3,846 $4,719
USAA $2,950 $3,454

Santa Monica, CA Cheapest Car Insurance Rates

How do the top Santa Monica, California car insurance companies’ average rates stack up against the Santa Monica average monthly car insurance rates of $397? Take a look and see.

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

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

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Santa Monica, CA Top Car Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $6,907
Farmers $6,620
GEICO $3,571
Liberty Mutual $3,969
Nationwide $6,067
Progressive $3,557
State Farm $4,747
Travelers $4,282
USAA $3,202

Other Factors Affecting Santa Monica, CA Car Insurance Rates

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

Santa Monica, CA Car Theft Rates

The car theft rate in Santa Monica, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Santa Monica, California is 235 stolen cars.

Santa Monica, CA Commute Time

How does your Santa Monica, CA commute time compare with the average driver? In Santa Monica, the average commute is 26.1 minutes.

Santa Monica, CA Car Insurance Quotes

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