Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Santa Clara, CA
We monitor insurance prices, helping the average driver in Santa Clara save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Santa Clara
The chart below shows the cheapest car insurance company in Santa Clara for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| Santa Clara Insurer | Monthly Cost |
|---|---|
| Metromile | $51 |
| Geico | $58 |
| Progressive | $62 |
| Travelers | $64 |
Savings for Every Kind of Santa Clara Driver
Based on our extensive insurance data, we know the average Santa Clara driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $652 per year by choosing the right vehicle insurance company. Some Santa Clara residents are paying out over $2,040 extra every year for auto insurance in Santa Clara. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Santa Clara, CA Savings / Yr. |
|---|---|
$652 |
|
$1,195 |
|
$945 |
|
$1,660 |
|
$852 |
|
$370 |
|
$0 |
Santa Clara Car Insurance vs. California
People living in Santa Clara pay an average of 1.58% more than the typical driver in the state. The average driver in Santa Clara can expect to pay about $955 per year, or $2,040 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Santa Clara for most people.
Car Insurance Prices by Santa Clara Neighborhood
Insurance Prices
Where is insurance cheapest within Santa Clara?
The map shows insurance prices in and around Santa Clara, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $317 per year within the city boundaries, with insurance premiums ranging from a high of $2,203 to a low of $1,886. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the East parts of Santa Clara.Pick the Best Car Insurance Company for You in Santa Clara
The best car insurance provider for most drivers in Santa Clara
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $652 over the average Santa Clara car insurance company.
The best car insurance provider for Santa Clara drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,195 over the competition.
The best car insurance company for Santa Clara drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $945 better than other car insurance companies.
The best auto insurance for Santa Clara drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,660 less each year.
The least expensive car insurance company for new and young drivers in Santa Clara
In Santa Clara, State Farm costs young drivers $852 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Santa Clara
Progressive gave the largest car insurance discounts to married couples, averaging $370 saved each year compared to an average Santa Clara couple's premiums.
The cheapest car insurance in Santa Clara for drivers with bad credit
The best Santa Clara car insurance company for customer service
Nationwide was the best company for customer service in Santa Clara according to the NAIC.
Recent price drops
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The cheapest large national provider in Santa Clara
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Santa Clara driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Santa Clara, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Santa Clara
What Influences the Cost of Car Insurance in Santa Clara?
On average, car insurance in Santa Clara is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Santa Clara are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Santa Clara is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Santa Clara is $80 per month for minimum coverage and $170 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Sunnyvale: Insurance costs 0.83% less
- Cupertino: Insurance costs 0.15% less
- Alviso: Insurance costs 10.00% less
- Campbell: Insurance costs 0.59% more
- San Jose: Insurance costs 1.72% more
- Saratoga: Insurance costs 0.15% more
- Milpitas: Insurance costs 2.01% more
- Mountain View: Insurance costs 1.27% less
- Los Altos: Insurance costs 1.47% less
- Alum Rock: Insurance costs 7.21% more
Cities with Similar Populations
- Amarillo: Insurance costs 4.26% less
- Ames: Insurance costs 40.83% less
- Auburn: Insurance costs 19.66% less
- Allentown: Insurance costs 29.90% less
- Augusta: Insurance costs 20.29% less
- Arden-Arcade: Insurance costs 5.29% more
- Ann Arbor: Insurance costs 48.48% more
- Austin: Insurance costs 13.33% less
- Atlanta: Insurance costs 1.42% less
- Aurora: Insurance costs 16.18% less