Santa Cruz Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in California has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Santa Cruz typically pay around $118.31 per month compared to the national average of $146.47 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Santa Cruz, CA Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Kemper Personal Insurance generally has the most affordable car insurance in Santa Cruz coming in around $59.00 per month. Other companies to consider if you live in Santa Cruz is Kemper Auto Premier with an average cost of $81.81 per month and Mercury Insurance Company which typically runs around $113.69 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Santa Cruz.

How Much is Car Insurance in Santa Cruz, CA?

Rates can vary from city to city. The residents of Anaheim typically pay $147.61 per month while people who live in Bakersfield will pay $135.16 per month on average. See what people pay for car insurance in other cities in California.

Cheap Car Insurance in Santa Cruz by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of California. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Santa Cruz

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $200.69 per month in Santa Cruz. Compare that to drivers in their 30’s who typically pay around $133.74 per month drivers in their 40s at $112.00 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Santa Cruz

If you are teen in Santa Cruz you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Kemper Auto Premier typically charges around $68.65 per month. This is likely the most affordable option in Santa Cruz. You might also want to consider Mercury Insurance Company and State Farm who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Santa Cruz

20 year-olds in Santa Cruz might want to consider Kemper Personal Insurance who, on average, offers car insurance rates around $59.00 per month. Kemper Auto Premier , SAFECO , Mercury Insurance Company and USAA are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Santa Cruz

If you are in your 30s in Santa Cruz our research has found that Mercury Insurance Company typically has the most affordable coverage coming in around $64.65 per month, followed by Infinity Special at $79.78 and CSAA at $107.80.

Cheapest Insurance for 40 Year-olds in Santa Cruz

On average, Mercury Insurance Company offers car insurance for 40 year-olds in Santa Cruz for around $100.52 per month. If you are looking for affordable coverage, you may also want to consider USAA or Esurance. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Santa Cruz

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Santa Cruz we found that CSAA generally offers the most affordable coverage at $95.72 per month.

Cheapest Insurance for 60 Year-olds in Santa Cruz

If you live in Santa Cruz and you’re in your 60s, our data indicates that SAFECO usually has the best rates at $71.33 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Santa Cruz, CA

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Santa Cruz, the average monthly rate for a driver who is currently insured is $111.64 while drivers who are not currently covered will pay around $125.40.

Compare Recent Car Insurance Quotes in Santa Cruz

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Santa Cruz a driver of a 2021 Subaru Outback can expect to pay around $103.84 per month while someone that owns a 2013 Hyundai Genesis Coupe may pay around $118.08 per month. Check out the list of recent quotes in Santa Cruz below.

FAQ's for Drivers in Santa Cruz, CA

What Is the Minimum Liability Coverage Requirement in Santa Cruz, CA?

Every state requires drivers to have a minimum amount of liability coverage. California drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

• $15,000; Bodily injury coverage per person; Max. payment for a single person that you injure in an auto accident.
• $30,000; Bodily injury coverage per accident; Max. payment for all injuries that you cause in an accident when more than one person is hurt.
• $5,000; Property damage per accident; Max. payment for damaged property in an accident caused by you.

You like to keep it simple, and so do we! Just don’t go too minimalist and skip the auto insurance altogether (see our FAQ for more information). In California, you are legally required to obtain something called liability insurance.* This is for your protection if you are deemed “at fault” in an accident that causes injury and lost wages to another driver or passenger in another vehicle. Liability coverage pays up to the amounts listed below. It also pays for damages to the other driver’s vehicle. Trust us, you’d want this coverage even if it wasn’t legally required!

What Is the Blood Alcohol Concentration (BAC) limit in Santa Cruz, CA?

It is illegal for an individual to operate a motor vehicle in California with the following BAC percentages:

• .08%+ @ 21 years old or older
• .04%+ for commercial vehicle drivers
• .01%+ @ < 21 years old

What are the chemical test refusal penalties in California?

According to California’s implied consent law, you are only required to take a breath or blood test upon being arrested. However, if you are not arrested and refuse the test, the officer may identify additional probable causes for driving under the influence and arrest you, thus forcing you into taking the test.

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