Santa Maria Car Insurance

The Zebra
May 30, 2018

Car Insurance in Santa Maria

On average, premiums in California surpass the national average by 20%. While premiums in the city are more consistent with the national average, if you are insuring a vehicle in Santa Maria, being knowledgeable about premiums is still imperative. Who doesn't like to save money? Check out some methods to save on car insurance in Santa Maria.

  • City Average: $1,401
  • State Average: $1,713
  • National Average: $1,427

Santa Maria Car Insurance by Age

At $1,202, drivers in their 60s have the lowest premiums among any age group. Those in their 50s ($1,237) have premiums that aren't much higher. With typical car insurance payments of $5,085, teenage drivers have the biggest premiums amongst all the age groups. Drivers in Santa Maria see the greatest drop in premiums when they hit their 20s, as they pay an average of 60% less after moving out of the teenage age range. While rates for drivers in Santa Maria will continue to decrease through their 60s, they should anticipate an increase when they turn 70.

  • Teenagers: $5,085
  • 20s: $2,022
  • 30s: $1,377
  • 40s: $1,329
  • 50s: $1,237
  • 60s: $1,202
  • 70s: $1,340

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Santa Maria Car Insurance by Gender and Marital Status

Gender and marital status are important considerations in determining the price of car insurance in Santa Maria. Being single can cost you an average of $61 more per year compared to being married. Rates for those who are widowed are relatively cheaper than rates for those who are single. Premiums for men and women tend to differ marginally, with men paying less.

  • Female: $1,402
  • Male: $1,401
  • Single: $1,401
  • Married: $1,340
  • Divorced: $1,401
  • Widowed: $1,346

Santa Maria Car Insurance by Accident or Violation History

By avoiding driving mishaps that can make the cost of insurance premiums spike, you can not only save yourself money, but become a safer driver. Do you want to increase your insurance rates by a striking 34%? If not, keep an eye on your speed because a ticket for speeding by 16-20mph in Santa Maria will trigger that increase. Accidents happen, even to safe drivers, so be prepared and learn what one can do to your rates. Expect your annual car insurance payments to grow by $741 if you are found at-fault in an accident in Santa Maria.

  • DUI: $4,025
  • Reckless Driving: $4,025
  • At-fault Accident (damages less than $1000): $2,142
  • At-fault Accident (damages greater than $2000): $2,142
  • Speeding Ticket (16-20 mph over speed limit): $1,881

* Credit score is considered discriminatory in California and thus is not used as a rating factor when companies determine how much you'll pay for auto insurance each year.