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 Average||National Average|
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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
|Company||Average Yearly Rate|
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 tier||Average Yearly Rate|
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/Gender||Average Annual Rate|
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
|Incident||Average Annual Rate|
|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|
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 Tier||Average Annual Rate|