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What is the average cost of car insurance in Santa Clara?


Auto insurance costs an average of $1,760 per year in Santa Clara. That's cheaper than the average in California ($1,868) and more expensive than the national average of $1,548. Our guide to car insurance in Santa Clara — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status.

Read on for more information.

Santa Clara Average (yearly) California Average U.S. Average
$1,760 $1,868 $1,548
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Santa Clara car insurance premiums by company


The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical insurance customer, GEICO provides Santa Clara's cheapest rates. See below the best options for affordable auto insurance in Santa Clara. Don't forget to also check out our list of the best-rated car insurance companies and get car insurance quotes based on your unique driving profile.

Insurer Average Annual Rate
GEICO $1,163
Mercury $1,434
CSAA $1,648
AAA $1,685
Allstate $1,870
Compare car insurance quotes for free online today


Auto insurance premiums by age in Santa Clara

The best age for car insurance rates as a driver in Santa Clara is your 50s: drivers in this age group pay an average of $1,587 per year. Drivers in their 60s pay marginally higher rates — $1,591 per year.

Young drivers aged 16 to 19 pay the most for car insurance in Santa Clara. When drivers hit their 20s in Santa Clara and move out of the teenage age bracket, they reduce their premiums substantially. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Santa Clara is $3,926, the largest such difference between any two age groups.

Age tier Average Annual Rate
Teenagers $6,535
20s $2,609
30s $1,711
40s $1,656
50s $1,587
60s $1,591
70s $1,862

Learn more about the impact of age on car insurance premiums.


Santa Clara auto insurance premiums by gender and marital status


In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers usually pay less for car insurance than their single counterparts. In Santa Clara, married motorists pay $76 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Santa Clara, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can influence auto insurance rates. In Santa Clara, female drivers pay more for auto insurance than do male drivers: $4 per year, to be precise.

Gender/Marital Status Average Annual Rate
Female $1,764
Male $1,760
Single $1,684
Married $1,684
Divorced $1,760
Widowed $1,711

Learn more about the impact gender and marital status have on insurance rates.


Santa Clara car insurance costs by accident and violation history


No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Santa Clara drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $2,911 per year versus the city average. A ticket for speeding results in a $715 rate hike, on average, while a DUI violation costs $2,802 per year in insurance premiums.

Incident/Violation Average Annual Rate
DUI/DWI $4,562
Reckless Driving $4,671
At-fault Accident (damages less than $1,000) $1,768
At-fault Accident (damages greater than $2,000) $3,118
Speeding Ticket (16-20 mph over speed limit) $2,475

Learn more about the impact of driving violations on car insurance rates.


Santa Clara car insurance rates by credit level


Credit score is often closely correlated with car insurance costs, but that isn't the case in California, where state law bans insurance companies from taking drivers' credit histories into account when setting rates. 

Compare rates and save on your next policy.

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Ava Lynch photo
Ava LynchSenior Analyst

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior analyst, providing insights and data analysis as one of The Zebra's property and casualty insurance experts.

Ava’s insurance career began as an agent with Farmers Insurance. Over the years, she has become an authority in all things property and casualty insurance, helping her to write informative guides for shoppers.

Ava’s work has been cited in publications such as InvestopediaThe BalanceMoney.comLiberty Mutual, U.S. News & World Report, GasBuddy, Car and Driver and Yahoo! Finance.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.