Santa Clara Car Insurance

What is the average cost of car insurance in Santa Clara?


Auto insurance costs an average of $1,760 per year in Santa Clara. That's cheaper than the average in California ($1,868) and more expensive than the national average of $1,548. Our guide to car insurance in Santa Clara — 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.


SANTA CLARA CAR INSURANCE RATES
Santa Clara Average (yearly)California AverageU.S. Average
$1,760$1,868$1,548

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Santa Clara car insurance premiums by company


The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical insurance customer, GEICO provides Santa Clara's cheapest rates. See below the best options for affordable auto insurance in Santa Clara. Don't forget to get car insurance quotes based on your driving profile.


SANTA CLARA CAR INSURANCE RATES BY COMPANY
InsurerAverage Annual Rate
GEICO$1,163
Mercury$1,434
CSAA$1,648
AAA$1,685
Allstate$1,870

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



Auto insurance premiums by age in Santa Clara

The best age for car insurance rates as a driver in Santa Clara is your age_50s: drivers in this age group pay an average of $1,587per year. Drivers in their age_60s pay marginally higher rates — $1,591 per year.

Young drivers aged 16 to 19 pay the most for car insurance in Santa Clara. When drivers hit their 20s in Santa Clara and move out of the teenage age bracket, they reduce their premiums substantially. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Santa Clara is $3,926, the largest such difference between any two age groups.


SANTA CLARA AUTO INSURANCE COSTS BY AGE
Age tierAverage Annual Rate
Teenagers$6,535
20s$2,609
30s$1,711
40s$1,656
50s$1,587
60s$1,591
70s$1,862

Learn more about the impact of age on car insurance premiums.



Santa Clara auto insurance premiums by gender and marital status


In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers usually pay less for car insurance than their single counterparts. In Santa Clara, married motorists pay $76 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 Clara, 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 Clara, female drivers pay more for auto insurance than do male drivers: $4 per year, to be precise.


SANTA CLARA AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Annual Rate
Female$1,764
Male$1,760
Single$1,684
Married$1,684
Divorced$1,760
Widowed$1,711

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



Santa Clara car insurance costs by accident and violation history


No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Santa Clara drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $2,911 per year versus the city average. A ticket for speeding results in a $715 rate hike, on average, while a DUI violation costs $2,802per year in insurance premiums.


AVERAGE SANTA CLARA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Annual Rate
DUI/DWI$4,562
Reckless Driving$4,671
At-fault Accident (damages less than $1,000)$1,768
At-fault Accident (damages greater than $2,000)$3,118
Speeding Ticket (16-20 mph over speed limit)$2,475

Learn more about the impact of driving violations on car insurance rates.



Santa Clara car insurance rates by credit level


Credit score is often closely correlated with car insurance costs. Santa Clara 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 an important step toward saving money on auto insurance. In Santa Clara, improving your credit to "Fair" could help you earn a $0 decrease in annual car insurance rates.


SANTA CLARA CAR INSURANCE RATES BY CREDIT LEVEL
Credit TierAverage Yearly Rate
Very Poor$1,760
Fair$1,760
Good$1,760
Very Good$1,760
Exceptional$1,760

Get additional information on how credit impacts car insurance costs.



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.