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 car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...

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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 Rosa after a DUI is Liberty Mutual
  • Average car insurance rates in Santa Rosa, CA for senior drivers are $2,114/year
  • The cheapest car insurance company in Santa Rosa for teen drivers is USAA

Average car insurance rates in Santa Rosa, California are $294 a month. But with a little research you can get a great deal from the top car insurance companies in Santa Rosa, CA. Before you buy Santa Rosa, 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 Rosa car insurance rates with Los Angeles car insurance rates, San Diego car insurance rates, or Oakland car insurance rates to make sure you’re getting the best Santa Rosa, CA car insurance quotes available.

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

Santa Rosa, CA Minimum Car Insurance Coverage

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

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

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

Insurance Company Low Medium High
Allstate $3,877 $4,105 $4,235
Farmers $4,434 $4,791 $5,040
GEICO $2,453 $2,713 $2,884
Liberty Mutual $2,778 $2,981 $3,110
Nationwide $3,881 $4,391 $4,658
Progressive $2,522 $2,854 $2,948
State Farm $3,947 $4,417 $4,675
Travelers $2,881 $3,347 $3,558
USAA $2,357 $2,619 $2,744

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Santa Rosa, 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 $2,606 $2,607 $1,913 $1,929 $7,314 $9,205 $3,338 $3,664
Farmers $2,579 $2,579 $2,328 $2,328 $8,244 $13,518 $3,058 $3,408
GEICO $1,659 $1,660 $1,560 $1,560 $5,061 $5,146 $2,385 $2,436
Liberty Mutual $2,227 $2,117 $2,069 $2,007 $4,948 $5,228 $2,523 $2,530
Nationwide $3,018 $2,879 $2,645 $2,491 $7,739 $8,524 $3,618 $3,570
Progressive $1,744 $1,797 $1,468 $1,750 $4,638 $5,608 $2,500 $2,691
State Farm $3,421 $3,421 $3,058 $3,058 $6,306 $7,807 $3,791 $3,911
Travelers $2,427 $2,350 $2,149 $2,126 $5,008 $5,769 $3,168 $3,096
USAA $1,843 $1,746 $1,798 $1,806 $4,188 $4,228 $2,561 $2,421

Santa Rosa, CA Car Insurance Rates for Teens

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,314 $9,205
Farmers $8,244 $13,518
GEICO $5,061 $5,146
Liberty Mutual $4,948 $5,228
Nationwide $7,739 $8,524
Progressive $4,638 $5,608
State Farm $6,306 $7,807
Travelers $5,008 $5,769
USAA $4,188 $4,228

Santa Rosa, CA Car Insurance Rates for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,913 $1,929
Farmers $2,328 $2,328
GEICO $1,560 $1,560
Liberty Mutual $2,069 $2,007
Nationwide $2,645 $2,491
Progressive $1,468 $1,750
State Farm $3,058 $3,058
Travelers $2,149 $2,126
USAA $1,798 $1,806

Santa Rosa, CA Car Insurance Rates by Driver History

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

Annual Santa Rosa, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,460 $4,134 $6,470 $3,225
Farmers $3,514 $4,787 $5,965 $4,755
GEICO $1,876 $2,899 $3,632 $2,327
Liberty Mutual $2,566 $3,440 $3,100 $2,719
Nationwide $3,011 $3,857 $6,516 $3,857
Progressive $1,822 $3,085 $3,569 $2,622
State Farm $3,102 $3,699 $6,985 $3,600
Travelers $2,181 $3,537 $4,128 $3,201
USAA $1,711 $2,548 $4,162 $1,874

Santa Rosa, CA Car Insurance Rates With a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,470
Farmers $5,965
GEICO $3,632
Liberty Mutual $3,100
Nationwide $6,516
Progressive $3,569
State Farm $6,985
Travelers $4,128
USAA $4,162

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Santa Rosa, CA Car Insurance Rates by ZIP Code

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

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

ZIP Code Average Annual Rates
95401 $4,917
95403 $4,720
95404 $4,839
95405 $4,776
95407 $5,052
95409 $4,748

Santa Rosa, CA Car Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,678 $4,466
Farmers $4,315 $5,196
GEICO $2,437 $2,929
Liberty Mutual $2,716 $3,196
Nationwide $3,807 $4,814
Progressive $2,516 $3,033
State Farm $4,190 $4,502
Travelers $2,932 $3,591
USAA $2,374 $2,773

Santa Rosa, CA Cheapest Car Insurance Rates

How do the top Santa Rosa, California car insurance companies’ average rates stack up against the Santa Rosa average monthly car insurance rates of $294? Take a look and see.

Best Annual Car Insurance Rates by Company in Santa Rosa, 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 Rosa, CA Top Car Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $4,072
Farmers $4,755
GEICO $2,683
Liberty Mutual $2,956
Nationwide $4,310
Progressive $2,775
State Farm $4,346
Travelers $3,262
USAA $2,574

Other Factors Affecting Santa Rosa, CA Car Insurance Rates

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

Santa Rosa, CA Car Theft Rates

The car theft rate in Santa Rosa, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Santa Rosa, California is 392 stolen cars.

Santa Rosa, CA Commute Time

How does your Santa Rosa, CA commute time compare with the average driver? In Santa Rosa, the average commute is 23.2 minutes.

Santa Rosa, CA Traffic

Spending time in Santa Rosa traffic can lead to higher car insurance rates. According to INRIX data, Santa Rosa, CA ranks as the 155th-most congested with traffic in the world.

Santa Rosa, CA Car Insurance Quotes

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