Santa Maria Car Insurance

How much does car insurance cost in Santa Maria, CA? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Santa Maria?

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 Maria typically pay around $119.22 per month compared to the national average of $145.26 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.

AreaAverage Monthly Rate
National $145.26
California $148.66
Santa Maria, California $119.22

Santa Maria, CA Best Car Insurance Companies

car insurance in Santa Maria

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, Direct General generally has the most affordable car insurance in Santa Maria coming in around $49.16 per month. Other companies to consider if you live in Santa Maria is Direct Auto with an average cost of $68.71 per month and Kemper Auto Premier which typically runs around $85.15 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Santa Maria.

RankCompanyAverage Monthly RateComparison State Average
1 Direct General $49.16-66.93%
2 Direct Auto $68.71-53.78%
3 Kemper Auto Premier $85.15-42.72%
4 SAFECO $115.40-22.38%
5 Mercury Insurance Company $116.12-21.89%
6 Esurance $120.50-18.95%
7 USAA $121.33-18.39%
8 Unitrin $125.28-15.73%
9 Mercury $125.93-15.29%
10 Allstate $127.25-14.40%

How Much is Car Insurance in Santa Maria, CA?

how much is auto insurance in Santa Maria

Rates can vary from city to city. The residents of Anaheim typically pay $150.19 per month while people who live in Bakersfield will pay $135.96 per month on average. See what people pay for car insurance in other cities in California.

California CitiesMonthly Average Rate
Anaheim $150.19
Bakersfield $135.96
Fresno $134.27
Long Beach $155.58
Los Angeles $188.96
Oakland $164.08
Pasadena $164.47
Riverside $146.71
Sacramento $145.82
San Bernardino $146.67
San Diego $129.68
San Francisco $164.97
San Jose $139.91
Santa Barbara $127.65
Santa Maria $119.22
Stockton $140.09

Cheap Car Insurance in Santa Maria by Zip Codes

find cheap auto insurance in Santa Maria

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.

Santa Maria, CA ZIP CodeAverage Monthly Rate

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

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $233.16 per month in Santa Maria. Compare that to drivers in their 30’s who typically pay around $106.41 per month drivers in their 40s at $100.20 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.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Santa Maria

If you are teen in Santa Maria 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 $52.65 per month. This is likely the most affordable option in Santa Maria. You might also want to consider USAA and Mercury Insurance Company who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Kemper Auto Premier$52.65
Mercury Insurance Company$217.77
State Farm$230.76

Cheapest Insurance for 20 Year-olds in Santa Maria

20 year-olds in Santa Maria might want to consider Direct Auto who, on average, offers car insurance rates around $68.71 per month. Kemper Auto Premier , Mercury Insurance Company , USAA and Esurance are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Direct Auto$68.71
Kemper Auto Premier$75.93
Mercury Insurance Company$136.87

Cheapest Insurance for 30 Year-olds in Santa Maria

If you are in your 30s in Santa Maria our research has found that Direct General typically has the most affordable coverage coming in around $49.16 per month, followed by Mercury Insurance Company at $89.50 and Esurance at $107.65.

CompanyAverage Monthly Rate
Direct General$49.16
Mercury Insurance Company$89.50
Infinity Special$110.62

Cheapest Insurance for 40 Year-olds in Santa Maria

On average, Mercury Insurance Company offers car insurance for 40 year-olds in Santa Maria for around $56.01 per month. If you are looking for affordable coverage, you may also want to consider SAFECO or Kemper Auto Premier. The full list of top companies is below.

CompanyAverage Monthly Rate
Mercury Insurance Company$56.01
Kemper Auto Premier$87.70
Infinity Special$92.38

Cheapest Insurance for 50 Year-olds in Santa Maria

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Santa Maria we found that Mercury Insurance Company generally offers the most affordable coverage at $81.42 per month.

CompanyAverage Monthly Rate
Mercury Insurance Company$81.42
21st Century$87.25

Cheapest Insurance for 60 Year-olds in Santa Maria

If you live in Santa Maria and you’re in your 60s, our data indicates that Mercury Insurance Company usually has the best rates at $42.34 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Mercury Insurance Company$42.34
Dairyland Auto$76.21
National General$85.65

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

driver's coverage

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 Maria, the average monthly rate for a driver who is currently insured is $118.92 while drivers who are not currently covered will pay around $119.63.

CoverageAverage Monthly Rate
Not Currently Insured $119.63
Currently Insured $118.92

Compare Recent Car Insurance Quotes in Santa Maria

auto insurance quotes in Santa Maria city

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 Maria a driver of a 2006 Ford Focus can expect to pay around $54.57 per month while someone that owns a 2022 Toyota Tacoma may pay around $95.45 per month. Check out the list of recent quotes in Santa Maria below.

VehicleAverage Monthly Rate
2006 Ford Focus$54.57
2022 Toyota Tacoma$95.45
2022 Ford F250$158.78
2020 Chevrolet Malibu$104.63
2009 Infiniti G37$183.08
2014 Chevrolet Silverado$58.94
2012 Hyundai Sonata$104.62
2012 Ford F150$133.59
2021 Bmw 330i$148.10

FAQ's for Drivers in Santa Maria, CA

driver’s frequently asked question in Santa Maria

What Is the Minimum Liability Coverage Requirement in Santa Maria, 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 Maria, 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.

Check Out Other Rates in Santa Maria, CA Nearby Cities:

Lompoc, CA

San Luis Obispo, CA

Santa Barbara, CA


Commute Time in Santa Maria, CA

20.8 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Santa Maria, CA


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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