How much does car insurance cost in Santa Clarita?
The average cost of auto insurance in Santa Clarita is $2,026 per year. That's pricier than the average in California ($1,868) and pricier than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Santa Clarita.
CAR INSURANCE: SANTA CLARITA RATES VS. STATE + NATIONAL AVERAGES
|Santa Clarita Average (annual)||California Average||National Average|
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Santa Clarita car insurance premiums 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 Clarita, GEICO offers the cheapest rates for the average insurance customer. See below the best companies for cheap auto insurance in Santa Clarita — but don't forget to get personalized car insurance quotes to match your driving profile.
SANTA CLARITA CAR INSURANCE RATES BY COMPANY
|Insurer||Average Annual Rate|
Santa Clarita car insurance costs by age
The age bracket that pays the least for auto insurance in Santa Clarita consists of drivers in their age_60s, who pay an average of $1,820. Those in their age_50s don't pay significantly more ($1,825).
The Santa Clarita drivers who pay the highest insurance rates are teenagers. One of the most effective ways to lower your car insurance rates as a driver in Santa Clarita is to age out of your teens. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Santa Clarita is $4,605, the largest such difference between any two age brackets.
CAR INSURANCE RATES BY AGE TIER IN SANTA CLARITA
|Age||Average Annual Rate|
Santa Clarita car insurance rates by marital status and gender
In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. Married drivers in Santa Clarita pay $79 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Santa Clarita, single drivers pay more than those who are widowed.
Gender is another factor that can affect car insurance rates. In Santa Clarita, female drivers pay $7 per year more than do male drivers.
SANTA CLARITA AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Annual Rate|
Santa Clarita auto insurance rates by citation and accident history
No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. 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 expensive driving violations from an insurance perspective are reckless driving and DUI. In Santa Clarita, a reckless driving citation results in an average insurance rate increase of $3,425 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $3,303 increase and a speeding ticket triggers an $827 rate hike.
SANTA CLARITA CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation||Average Yearly Rate|
|At-fault Accident (damages < $1,000)||$2,036|
|At-fault Accident (damages greater than $2,000)||$3,570|
|Speeding Ticket (16-20 mph over speed limit)||$2,852|
Santa Clarita auto insurance rates by credit score
It's no secret credit score is closely correlated with auto insurance rates. In fact, Santa Clarita drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 0% decrease in car insurance rates. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Santa Clarita, moving into the "Fair" credit tier corresponds to an average of $0 in savings on insurance each year.
SANTA CLARITA CAR INSURANCE RATES BY CREDIT TIER
|Credit Score||Average Annual Rate|