Santa Maria, CA Car Insurance

The typical auto insurance policy costs $126 per month in Santa Maria. Are you paying too much?

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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.


Santa Maria Average (annual) California Average National Average
$1,515 $1,868 $1,548
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Santa Maria car insurance rates by company


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.

Company Average Yearly Rate
GEICO $1,109
Infinity $1,169
Mercury $1,230
AAA $1,443
Farmers $1,444

Read our guide to find the best cheap auto insurance.


Car insurance rates by age bracket in Santa Maria

Santa Maria drivers in their 60s pay relatively affordable car insurance rates just $1,350 each year, on average. Those in their 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.

Age tier Average 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. 

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.

Marital Status/Gender Average Annual Rate
Female $1,516
Male $1,515
Single $1,453
Married $1,453
Divorced $1,515
Widowed $1,472

Learn more about the effect 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.

Incident Average 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

California is one of just five U.S. states to restrict insurance companies' ability to set rates based on a driver's credit score. 

Compare rates and save.

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Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

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.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.