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How much is car insurance in Santa Rosa?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Santa Rosa | $48 |
| CA | $56 |
| United States | $81 |
According to the chart above, the average cost of auto insurance in California is about $8 a month more expensive than it is in Santa Rosa.
If you're thinking of moving to Santa Rosa from out of state, you may still be in luck. It's around $33 less to insure your vehicle compared to the average rate for the United States as a whole.
Although these are the average monthly costs for an auto insurance policy in Santa Rosa, that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
Don't worry, we've done the work for you and broken down average rates for Santa Rosa to help you get a more accurate idea of what you'll be charged for your policy. 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!
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Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $73 |
| 25-34 | $43 |
| 35-44 | $40 |
| 45-54 | Not Enough Data |
| 55-64 | $36 |
| 65+ | $45 |
It makes sense that the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may start to rise again in Santa Rosa.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $48 |
| Female | $47 |
Car insurance rates for female drivers are usually cheaper than those for male drivers. The price for auto insurance in Santa Rosa, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $54 |
| Multiple Accidents | $72 |
| 1 Ticket | $63 |
| Multiple Tickets | $84 |
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Santa Rosa, a driving record with one accident will usually get you a rate around $54 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $63.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $56 |
| 2-3 Years | $43 |
| 4-5 Years | $53 |
| 6-7 Years | $48 |
| 8-10 Years | $48 |
| 11-14 Years | $51 |
| 15 Years or Older | $45 |
In terms of affordable coverage, the cheapest vehicles to insure in Santa Rosa are usually trucks and vans, at $44 per month.
SUV drivers will see rates of about $47, while the rates for car owners average out to about $49 per month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Santa Rosa, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $51 |
| Married | $41 |
| Divorced | $39 |
| Widowed | $37 |
On average, people who are married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Santa Rosa is no exception, with the difference totaling to around $10 a month.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $43 |
| Rent | $47 |
| Live with parents | $68 |
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $4 a month more than homeowners in Santa Rosa. Those who live with their parents, however, can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Santa Rosa, CA
Recent trends in car insurance for Santa Rosa drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Santa Rosa, the rates for car insurance have been mixed more recently, although they did rise from $42 in 2021 to $44 in 2022.
How does Santa Rosa compare to neighboring areas?
Why are car insurance rates in Santa Rosa different from other areas?
When considering how much to charge for coverage, car insurance companies will review many factors. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Amount of drivers
- Road Safety (frequency of car accidents)
- Crime rates
- Off-street parking accessibility
- Area regulations
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Santa Rosa?
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.
Good news! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer plans in Santa Rosa.
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Santa Rosa Insurance FAQs
What factors affect car insurance quotes in Santa Rosa?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Santa Rosa different from other neighboring cities?
Things like local laws, parking situations, and crime rates, 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 Rosa?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Santa Rosa?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Santa Rosa or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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