Santa Rosa, CA Car Insurance

How much does auto insurance cost in Santa Rosa?


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 average of $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. Read on for more information.


AUTO INSURANCE COSTS: SANTA ROSA VS. STATE AND US AVERAGES
Santa Rosa Average (annual)California AverageUnited States Average
$1,789$1,868$1,548

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Santa Rosa car insurance rates by company


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 quotes specific to your unique driving profile.


SANTA ROSA AUTO INSURANCE PREMIUMS BY COMPANY
CompanyAverage Annual Rate
GEICO$1,163
Mercury$1,418
AAA$1,729
Allstate$1,841
CSAA$1,843

Check out our guide to learn how to find the best cheap car insurance.



Santa Rosa car insurance premiums by age

The best age for car insurance rates as a driver in Santa Rosa is your age_50s: drivers in this age group pay an average of $1,613per year. Those in their age_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.


SANTA ROSA AUTO INSURANCE COSTS BY AGE
AgeAverage 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.



Santa Rosa car insurance rates by gender and marital status


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.


SANTA ROSA CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Yearly Rate
Female$1,794
Male$1,789
Single$1,719
Married$1,719
Divorced$1,789
Widowed$1,741

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



Santa Rosa auto insurance costs by accident and citation history


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.


SANTA ROSA CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage 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.



Santa Rosa car insurance rates by credit level


Credit score is often closely correlated with car insurance costs. Santa Rosa drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 0% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Santa Rosa, improving your credit to "Fair" could help you earn a $0 decrease in annual car insurance rates.


SANTA ROSA CAR INSURANCE RATES BY CREDIT TIER
Credit ScoreAverage Annual Rate
Very Poor$1,789
Fair$1,789
Good$1,789
Very Good$1,789
Exceptional$1,789

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.