Santa Clara Car Insurance

The Zebra
May 30, 2018

Car Insurance in Santa Clara

It is vital to cut costs while insuring a vehicle in Santa Clara because California premiums are known for being expensive. They are generally $286 greater than the national average. Keep some money in your pocket by following the tips below about how to save on car insurance in Santa Clara.

  • City Average: $1,569
  • State Average: $1,713
  • National Average: $1,427

Santa Clara Car Insurance by Gender and Marital Status

Car insurance premiums in Santa Clara can be impacted by marital status as well as gender. Rates for those who are widowed are relatively cheaper than rates for those who are single. Being single can cost you roughly $70 more per year compared to being married. Males have premiums that are cheaper than those for females, but not by much.

  • Female: $1,575
  • Male: $1,569
  • Single: $1,569
  • Married: $1,498
  • Divorced: $1,569
  • Widowed: $1,504

Santa Clara Car Insurance by Accident or Violation History

Maintaining a clean driving record is important if you want to keep the price of rates low. $2,845 is the extra cost per year for drivers with a DUI or reckless driving violation in Santa Clara, compared to the city average of $1,569. Many people don't think twice about speeding, but a ticket for driving 16-20mph over the limit costs you a sizeable 36% more per year in car insurance premiums.

  • DUI: $4,414
  • Reckless Driving: $4,414
  • At-fault Accident (damages less than $1000): $2,453
  • At-fault Accident (damages greater than $2000): $2,453
  • Speeding Ticket (16-20 mph over speed limit): $2,129

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Santa Clara Car Insurance by Age

At $1,356, drivers in their 60s have the smallest insurance premiums among any age group. Those in their 50s ($1,386) have premiums that aren't much higher. Teenage drivers have the most expensive rates of any age group, with typical car insurance payments of $5,895. Santa Clara drivers see the most significant reduction in premiums when they hit their 20s, as they pay an average of $3,593 less after moving out of the teenage age range. The first time drivers can expect their age to trigger an increase in rates is when they turn 70.

  • Teenagers: $5,895
  • 20s: $2,302
  • 30s: $1,541
  • 40s: $1,492
  • 50s: $1,386
  • 60s: $1,356
  • 70s: $1,519

* Credit score, while used in other states, is considered discriminatory in California and thus is not used as a rating factor when determining how much you'll pay for auto insurance every year.