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 CAR INSURANCE RATES
|Santa Clara Average (yearly)||California Average||U.S. Average|
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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 get car insurance quotes based on your driving profile.
SANTA CLARA CAR INSURANCE RATES BY COMPANY
|Insurer||Average Annual Rate|
Auto insurance premiums by age in Santa Clara
The best age for car insurance rates as a driver in Santa Clara is your age_50s: drivers in this age group pay an average of $1,587per year. Drivers in their age_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.
SANTA CLARA AUTO INSURANCE COSTS BY AGE
|Age tier||Average Annual Rate|
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.
SANTA CLARA AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Annual Rate|
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 $2,802per year in insurance premiums.
AVERAGE SANTA CLARA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident/Violation||Average Annual Rate|
|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|
Santa Clara car insurance rates by credit level
Credit score is often closely correlated with car insurance costs. Santa Clara drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 0% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Santa Clara, improving your credit to "Fair" could help you earn a $0 decrease in annual car insurance rates.
SANTA CLARA CAR INSURANCE RATES BY CREDIT LEVEL
|Credit Tier||Average Yearly Rate|