Santa Maria, CA Car Insurance

How much does car insurance cost in Santa Maria?


Auto insurance costs an average of $1,515 per year in Santa Maria. That's cheaper than the statewide average in California ($1,868) and cheaper than the national average of $1,548. Our guide to Santa Maria car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!


SANTA MARIA CAR INSURANCE RATES
Santa Maria Average (annual)California AverageNational Average
$1,515$1,868$1,548

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Santa Maria car insurance rates by provider


One of the most important determinants of your car insurance rates is the insurance company you work with. For a typical driver, GEICO offers Santa Maria's most affordable premiums. See below the best options for affordable auto insurance in Santa Maria. Don't forget to get car insurance quotes based on your driving profile.


SANTA MARIA AUTO INSURANCE RATES BY COMPANY
CompanyAverage Yearly Rate
GEICO$1,109
Infinity$1,169
Mercury$1,230
AAA$1,443
Farmers$1,444

Read our guide to finding the best cheap auto insurance.



Car insurance rates by age bracket in Santa Maria

Santa Maria drivers in their age_60s pay relatively affordable car insurance rates just $1,350each year, on average. Those in their age_50s don't pay significantly more ($1,360).

Teenage drivers pay Santa Maria's most expensive auto insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Santa Maria is to celebrate your 20th birthday. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Santa Maria is $3,176. That's the biggest gap in premiums between any pair of age brackets.


CAR INSURANCE RATES BY AGE TIER IN SANTA MARIA
Age tierAverage Yearly Rate
Teenagers$5,376
20s$2,200
30s$1,476
40s$1,424
50s$1,360
60s$1,350
70s$1,553

Learn more about the impact of age on auto insurance rates.



Santa Maria auto insurance rates by gender and marital status


Marital status and gender can be contributors to car insurance rates, in some cases. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Santa Maria pay $63 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Santa Maria, single drivers pay more than those who are widowed.

Gender is another factor that can affect car insurance rates. In Santa Maria, female drivers pay more for auto insurance than do male drivers: $1 per year, to be precise.


INSURANCE RATES IN SANTA MARIA BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Annual Rate
Female$1,516
Male$1,515
Single$1,453
Married$1,453
Divorced$1,515
Widowed$1,472

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



Santa Maria auto insurance costs by incident history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Santa Maria, a reckless driving citation results in an average insurance rate increase of $2,660 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $2,600 increase and a speeding ticket triggers a $606 rate hike.


SANTA MARIA CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
IncidentAverage Annual Rate
DUI/DWI$4,114
Reckless Driving$4,174
At-fault Accident (damages less than $1,000)$1,520
At-fault Accident (damages greater than $2,000)$2,605
Speeding Ticket (16-20 mph over speed limit)$2,121

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



Santa Maria auto insurance rates by credit score


One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. Santa Maria 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 a meaningful step toward saving money on auto insurance. In Santa Maria, improving your credit to "Fair" could help you earn a $0 decrease in yearly insurance premiums.


SANTA MARIA CAR INSURANCE RATES BY CREDIT LEVEL
Credit TierAverage Annual Rate
Very Poor$1,515
Fair$1,515
Good$1,515
Very Good$1,515
Exceptional$1,515

Get additional information on how credit impacts car insurance costs.



Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.