Updated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Table of contents
How do rates in Santa Clara measure up compared to neighboring areas, including California as a whole? How much can residents of Santa Clara expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:
How much is car insurance in Santa Clara?
Area | Average Monthly Car Insurance Premium |
---|---|
Santa Clara | $50 |
CA | $56 |
United States | $81 |
According to the chart above, the average cost of auto insurance in California is about $6 a month more expensive than it is in Santa Clara.
If you're thinking of moving to Santa Clara from out of state, you may still be in luck. The average monthly payment for the United States as a whole is about $31 more expensive than in Santa Clara.
While these numbers are the average rates for auto insurance in Santa Clara, that doesn't mean it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But worry not, we've done the heavy lifting and broken down the average rate for Santa Clara to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
Age Range | Average Premium |
---|---|
Under 18 | Not Enough Data |
18-24 | $70 |
25-34 | $48 |
35-44 | $41 |
45-54 | Not Enough Data |
55-64 | $41 |
65+ | $39 |
More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, your rates may begin to increase again in Santa Clara.
Average Car Insurance Rates by Gender
Gender | Average |
---|---|
Male | $49 |
Female | $52 |
In general, women pay slightly less for car insurance than men. In Santa Clara, although men do pay a bit less on their monthly auto coverage, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
Infractions | Average Monthly Premium |
---|---|
1 Accident | $58 |
Multiple Accidents | $64 |
1 Ticket | $62 |
Multiple Tickets | $87 |
Depending on your driving record, your rates can vary quite a lot. Those with clean records will obviously pay a lot less than those with infractions. In Santa Clara, a driving record with a single accident will usually get you a rate around $58 a month. In addition, drivers with a single ticket on their record can expect to pay around $62 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
Vehicle Age | Average Monthly Premium |
---|---|
Less Than 1 Year | $50 |
2-3 Years | $41 |
4-5 Years | $46 |
6-7 Years | $49 |
8-10 Years | $55 |
11-14 Years | $55 |
15 Years or Older | $51 |
The most affordable vehicles to insure in Santa Clara are by and large cars, which run about $50 per month.
SUVs, trucks, and vans on the other hand, cost about the same to insure, around $51 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Santa Clara are vehicles eleven-to-fourteen years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
Relationship | Average Monthly Premium |
---|---|
Single (never married) | $50 |
Married | $51 |
Divorced | $47 |
Widowed | $38 |
Generally speaking, people who are married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
As you can see in the table above, married couples pay about the same rate as single drivers in Santa Clara.
Average Car Insurance Rates by Housing Situation
Housing Status | Average Monthly Premium |
---|---|
Own | $44 |
Rent | $52 |
Live with parents | $70 |
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $8 a month more than if you own your own home in Santa Clara. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Recent trends in car insurance for Santa Clara drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
The rates for auto insurance in Santa Clara dropped from 2017-2019, but began to rise in 2021. This pattern has continued through 2022 when rates have most recently hit $56.
How does Santa Clara compare to neighboring areas?
Why are car insurance rates in Santa Clara different from other areas?
There are many factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
Amount of drivers in the region
Regional regulations
Road Safety (total number of local car accidents)
Off-street parking access
Local crime rates
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Santa Clara?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies that offer plans in Santa Clara.
Santa Clara Insurance FAQs
Why is the cost of car insurance in Santa Clara different from other neighboring cities?
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Santa Clara?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Santa Clara?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Santa Clara or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
Related articles
)
The Cheapest Car Insurance in California (From $88)
)
The 10 Cheapest Cities for Car Insurance in California
)
A Guide to the CLCA Program
)
Can You Negotiate Car Insurance to Get Lower Rates?
)
Why More Drivers Are Switching Car Insurance Companies
)
Six-Month vs. 12-Month Car Insurance
)
The Best Car Insurance Companies of 2024
)
Online, Broker or Agent | The Best Way to Buy Your Car Insurance

Cathedral City, CA Car Insurance Quotes for 2024

Carson, CA Car Insurance Quotes for 2024

Campbell, CA Car Insurance Quotes for 2024

Camarillo, CA Car Insurance Quotes for 2024

Burbank, CA Car Insurance Quotes for 2024

Buena Park, CA Car Insurance Quotes for 2024

Brentwood, CA Car Insurance Quotes for 2024

Brea, CA Car Insurance Quotes for 2024

Beverly Hills, CA Car Insurance Quotes for 2024
)
Cheapest Car Insurance Companies in Berkeley, CA (from $113)

Bell Gardens, CA Car Insurance Quotes for 2024

Beaumont, CA Car Insurance Quotes for 2024

Azusa, CA Car Insurance Quotes for 2024

Antioch, CA Car Insurance Quotes for 2024

Aliso Viejo, CA Car Insurance Quotes for 2024

Adelanto, CA Car Insurance Quotes for 2024

El Monte, CA Car Insurance Quotes for 2024

El Cerrito, CA Car Insurance Quotes for 2024

Dublin, CA Car Insurance Quotes for 2024

Diamond Bar, CA Car Insurance Quotes for 2024

Cypress, CA Car Insurance Quotes for 2024

Cupertino, CA Car Insurance Quotes for 2024

Culver City, CA Car Insurance Quotes for 2024

Covina, CA Car Insurance Quotes for 2024

Concord, CA Car Insurance Quotes for 2024

Compton, CA Car Insurance Quotes for 2024

Colton, CA Car Insurance Quotes for 2024

Chino, CA Car Insurance Quotes for 2024

Chino Hills, CA Car Insurance Quotes for 2024

Chico, CA Car Insurance Quotes for 2024

Cerritos, CA Car Insurance Quotes for 2024

Ceres, CA Car Insurance Quotes for 2024

Lynwood, CA Car Insurance Quotes for 2024

Lompoc, CA Car Insurance Quotes for 2024

Lodi, CA Car Insurance Quotes for 2024

Lathrop, CA Car Insurance Quotes for 2024

Lake Forest, CA Car Insurance Quotes for 2024

Laguna Niguel, CA Car Insurance Quotes for 2024

La Quinta, CA Car Insurance Quotes for 2024

La Puente, CA Car Insurance Quotes for 2024

La Mirada, CA Car Insurance Quotes for 2024

La Mesa, CA Car Insurance Quotes for 2024

Hollister, CA Car Insurance Quotes for 2024

Hesperia, CA Car Insurance Quotes for 2024

Hemet, CA Car Insurance Quotes for 2024

Hanford, CA Car Insurance Quotes for 2024

Fountain Valley, CA Car Insurance Quotes for 2024

Folsom, CA Car Insurance Quotes for 2024

Fairfield, CA Car Insurance Quotes for 2024

Elk Grove, CA Car Insurance Quotes for 2024

Petaluma, CA Car Insurance Quotes for 2024

Pasadena, CA Car Insurance Quotes for 2024

Paramount, CA Car Insurance Quotes for 2024

Palo Alto, CA Car Insurance Quotes for 2024

Palm Springs, CA Car Insurance Quotes for 2024

Palm Desert, CA Car Insurance Quotes for 2024

Pacifica, CA Car Insurance Quotes for 2024

Oxnard, CA Car Insurance Quotes for 2024

Orange, CA Car Insurance Quotes for 2024

Oceanside, CA Car Insurance Quotes for 2024

Novato, CA Car Insurance Quotes for 2024

Norwalk, CA Car Insurance Quotes for 2024

Northridge, CA Car Insurance Quotes for 2024

Norco, CA Car Insurance Quotes for 2024

Newport Beach, CA Car Insurance Quotes for 2024

National City, CA Car Insurance Quotes for 2024

Napa, CA Car Insurance Quotes for 2024

Milpitas, CA Car Insurance Quotes for 2024

San Pedro, CA Car Insurance Quotes for 2024

San Mateo, CA Car Insurance Quotes for 2024

San Marcos, CA Car Insurance Quotes for 2024

San Luis Obispo, CA Car Insurance Quotes for 2024

San Leandro, CA Car Insurance Quotes for 2024

San Gabriel, CA Car Insurance Quotes for 2024

San Clemente, CA Car Insurance Quotes for 2024

Roseville, CA Car Insurance Quotes for 2024

Ridgecrest, CA Car Insurance Quotes for 2024

Richmond, CA Car Insurance Quotes for 2024

Rialto, CA Car Insurance Quotes for 2024

Reseda, CA Car Insurance Quotes for 2024

Redlands, CA Car Insurance Quotes for 2024

Redding, CA Car Insurance Quotes for 2024

Rancho Cucamonga, CA Car Insurance Quotes for 2024

Poway, CA Car Insurance Quotes for 2024

Placentia, CA Car Insurance Quotes for 2024

Pittsburg, CA Car Insurance Quotes for 2024

West Sacramento, CA Car Insurance Quotes for 2024

Watsonville, CA Car Insurance Quotes for 2024

Walnut, CA Car Insurance Quotes for 2024

Vista, CA Car Insurance Quotes for 2024

Visalia, CA Car Insurance Quotes for 2024

Tulare, CA Car Insurance Quotes for 2024

Tracy, CA Car Insurance Quotes for 2024

Torrance, CA Car Insurance Quotes for 2024

Thousand Oaks, CA Car Insurance Quotes for 2024

Temple City, CA Car Insurance Quotes for 2024

Studio City, CA Car Insurance Quotes for 2024

South San Francisco, CA Car Insurance Quotes for 2024

Saratoga, CA Car Insurance Quotes for 2024

Santee, CA Car Insurance Quotes for 2024

Santa Rosa, CA Car Insurance Quotes for 2024

Santa Monica, CA Car Insurance Quotes for 2024

Santa Cruz, CA Car Insurance Quotes for 2024

Santa Clarita, CA Car Insurance Quotes for 2024

Santa Barbara, CA Car Insurance Quotes for 2024

San Ramon, CA Car Insurance Quotes for 2024

Yuba City, CA Car Insurance Quotes for 2024

Woodland, CA Car Insurance Quotes for 2024

Winnetka, CA Car Insurance Quotes for 2024

Wildomar, CA Car Insurance Quotes for 2024

West Hollywood, CA Car Insurance Quotes for 2024

Lancaster, CA Car Insurance Quotes for 2024

Irvine, CA Car Insurance Quotes for 2024

Inglewood, CA Car Insurance Quotes for 2024

Glendale, CA Car Insurance Quotes for 2024
)
Cheapest Car Insurance Companies in Stockton, CA (From $100)
)
Cheap Car Insurance in Santa Ana for 2024 (From $75)
)
Cheapest Car Insurance in San Bernardino, CA (From $103)
)
Cheap Car Insurance in Riverside for 2024 (From $72)

Ontario, CA Car Insurance Quotes for 2024
)
Cheapest Car Insurance Companies in Modesto, CA (from $97)

San Diego, CA Car Insurance Quotes for 2024
)
Cheapest Car Insurance Companies in Oakland, CA (from $122)

Long Beach, CA Car Insurance Quotes for 2024
)
Cheap Car Insurance in Fresno for 2024 (From $68)
)
Cheap Car Insurance in Bakersfield for 2024 (From $64)
)
Cheapest Car Insurance Companies in Anaheim, CA (from $106)

San Jose, CA Car Insurance Quotes for 2024
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com's content is ever influenced by the companies and brands we partner with.
- Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
Learn more about us, our team, and what makes us tick.