Santa Rosa Car Insurance

The Zebra
May 30, 2018

Car Insurance in Santa Rosa

Premiums in Santa Rosa are relatively equivalent to California's rates, as its premiums are within $67 of the state average. Let’s get started on how to save on car insurance in Santa Rosa.

  • City Average: $1,646
  • State Average: $1,713
  • National Average: $1,427

Santa Rosa Car Insurance by Gender and Marital Status

In Santa Rosa, numerous driver characteristics, including marital status and gender, can impact car insurance premiums. However, males have premiums that are only a little cheaper than those for females. Being married can save you roughly $70 per year compared to being single. Rates for those who are widowed are relatively cheaper than rates for those who are single.

  • Female: $1,649
  • Male: $1,646
  • Single: $1,646
  • Married: $1,574
  • Divorced: $1,646
  • Widowed: $1,580

Santa Rosa Car Insurance by Age

When you look across all age groups, drivers in their 60s have the lowest insurance payments. Their rates normally average $1,415. Those in their 50s ($1,451) also have relatively low premiums. Teenage drivers have the largest premiums of any age group. They pay around $6,134 per year on car insurance premiums. The largest reduction in premiums for Santa Rosa drivers happens when they reach their 20s. Once out of the teenage age bracket, they save an average of $3,724. Turning 70 triggers a rise in car insurance premiums, but up until that age drivers can anticipate premium reductions when they transition from one age group to the next.

  • Teenagers: $6,134
  • 20s: $2,409
  • 30s: $1,616
  • 40s: $1,564
  • 50s: $1,451
  • 60s: $1,415
  • 70s: $1,581

Santa Rosa Car Insurance by Accident or Violation History

Do you have an accident or violation on your record? That can have an impact on your car insurance premiums. In Santa Rosa, drivers with either a DUI or reckless driving violation need to spend nearly triple the average for the city to insure their vehicle. In Santa Rosa, individuals who are found at-fault in an accident end up spending 55% more than the city average on car insurance each year.

  • DUI: $4,661
  • Reckless Driving: $4,661
  • At-fault Accident (damages less than $1000): $2,559
  • At-fault Accident (damages greater than $2000): $2,559
  • Speeding Ticket (16-20 mph over speed limit): $2,230

* Credit score is considered discriminatory in California and is therefore not used as a rating factor when determining how much you'll pay for auto insurance.

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