Car insurance costs an average of $149 per month in Santa Rosa. If you're paying too much, compare rates and save today.
The typical Santa Rosa driver pays $1,789 per year for car insurance. That's less than the statewide average in California ($1,868) and pricier than the national averageof $1,548. Our guide to car insurance in Santa Rosa — 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.
| Santa Rosa Average (annual) | California Average | United States Average |
| $1,789 | $1,868 | $1,548 |
The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In Santa Rosa, GEICO offers the cheapest premiums for the typical insurance buyer. We've gathered the best cheap car insurance companies in Santa Rosa below. You should only use this list as a starting point: it's important to compare auto insurance quotes specific to your unique driving profile.
The best age for car insurance rates as a driver in Santa Rosa is your 50s: drivers in this age group pay an average of $1,613 per year. Those in their 60s don't pay much more ($1,613).
The Santa Rosa drivers who pay the highest insurance rates are teenagers. When drivers hit their 20s in Santa Rosa and move out of the teenage age bracket, they reduce their premiums substantially. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Santa Rosa is $3,955, the largest such difference between any two age brackets.
| Age | Average Annual Rate |
| Teenagers | $6,602 |
| 20s | $2,647 |
| 30s | $1,740 |
| 40s | $1,683 |
| 50s | $1,613 |
| 60s | $1,613 |
| 70s | $1,878 |
Learn more about the impact of age on car insurance premiums.
In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. 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 Rosa pay $70 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 Rosa, 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 Rosa, female drivers pay $5 per year more than do male drivers.
| Gender/Marital Status | Average Yearly Rate |
| Female | $1,794 |
| Male | $1,789 |
| Single | $1,719 |
| Married | $1,719 |
| Divorced | $1,789 |
| Widowed | $1,741 |
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Two of the most costly citations to receive are DUI and reckless driving. Santa Rosa drivers found guilty of reckless driving face insurance rate increases of $2,988 per year, compared to the citywide average. A DUI violation may lead to a $2,891 increase, while a citation for speeding leads to a $724 rate hike.
| Violation/Incident | Average Annual Rate |
| DUI/DWI | $4,680 |
| Reckless Driving | $4,778 |
| At-fault Accident (damages < $1,000) | $1,797 |
| At-fault Accident (damages greater than $2,000) | $3,152 |
| Speeding Ticket (16-20 mph over speed limit) | $2,514 |
Get more info on how a bad driving history can impact your car insurance costs.
California is one of the few U.S. states that does not allow auto insurance companies to rate policies based on credit score.
