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Get Cheap Car Insurance in Santa Monica, TX
We monitor insurance prices, helping the average driver in Santa Monica save up to 34.2% on car insurance.
The Cheapest Minimum Coverage in Santa Monica
The chart below shows the cheapest car insurance company in Santa Monica 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 Clearcover, followed by Mile Auto, Progressive, and State Farm.
| Santa Monica Insurer | Monthly Cost |
|---|---|
| Clearcover | $43 |
| Mile Auto | $56 |
| Progressive | $57 |
| State Farm | $62 |
Savings for Every Kind of Santa Monica Driver
Based on our extensive insurance data, we know the average Santa Monica driver will save about 21% 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, credit score, marital status, and age. The average driver will find themselves saving $338 per year by choosing the right vehicle insurance company. Some Santa Monica residents are paying out over $1,643 extra every year for auto insurance in Santa Monica. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Santa Monica, TX Savings / Yr. |
|---|---|
$338 |
|
$774 |
|
$682 |
|
$781 |
|
$1,189 |
|
$449 |
|
$491 |
Santa Monica Car Insurance vs. Texas
People living in Santa Monica pay an average of 15.92% less than the typical driver in the state. The average driver in Santa Monica can expect to pay about $979 per year, or $1,643 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Santa Monica for most people.
Car Insurance Prices by Santa Monica Neighborhood
Insurance Prices
Where is insurance cheapest within Santa Monica?
The map shows insurance prices in and around Santa Monica, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $28 per year within the city boundaries, with insurance premiums ranging from a high of $1,668 to a low of $1,640. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Central parts of Santa Monica.Pick the Best Car Insurance Company for You in Santa Monica
The best car insurance provider for most drivers in Santa Monica
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $338 over the average Santa Monica car insurance company.
The best car insurance provider for Santa Monica drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $774 over the competition.
The best car insurance company for Santa Monica drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $682 better than other car insurance companies.
The best auto insurance for Santa Monica drivers with a DUI conviction
Getting a quote from Mile Auto may cost the average person with a DUI about $781 less each year.
The least expensive car insurance company for new and young drivers in Santa Monica
In Santa Monica, State Farm costs young drivers $1,189 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Santa Monica
State Farm gave the largest car insurance discounts to married couples, averaging $449 saved each year compared to an average Santa Monica couple's premiums.
The cheapest car insurance in Santa Monica for drivers with bad credit
The best Santa Monica car insurance company for customer service
Nationwide was the best company for customer service in Santa Monica according to the NAIC.
Recent price drops
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The cheapest large national provider in Santa Monica
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Santa Monica 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 Monica, USAA has the best prices for drivers with a DUI conviction, good drivers, married couples, drivers with accidents, young drivers, drivers with speeding tickets, and drivers with bad credit.Auto Insurance Prices in and Around Santa Monica
What Influences the Cost of Car Insurance in Santa Monica?
On average, car insurance in Santa Monica is actually less expensive than the rest of the state. These low 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:
- The average commute time in Santa Monica is 20 minutes, which is far less than average for a driver in the state.
- Texas 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 Monica are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Santa Monica is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Santa Monica is $82 per month for minimum coverage and $137 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
- Raymondville: Insurance costs 6.03% more
- San Perlita: Insurance costs 1.52% more
- Lyford: Insurance costs 3.16% more
- Willamar: Insurance costs 1.40% more
- Sebastian: Insurance costs 3.29% more
- Lasara: Insurance costs 1.70% more
- Yznaga: Insurance costs 4.50% more
- Monte Alto: Insurance costs 4.50% more
- Port Mansfield: Insurance costs 1.52% more
- Edcouch: Insurance costs 5.05% more
Cities with Similar Populations
- Free Trade: Insurance costs 1.10% more
- Smithville: Insurance costs 12.66% less
- Smith Mills: Insurance costs 23.62% more
- Garrard: Insurance costs 41.75% more
- Gardner: Insurance costs 77.97% more
- Funkhouser: Insurance costs 14.97% less
- Fruitland: Insurance costs 7.43% more
- Frost: Insurance costs 7.30% less
- Freestone: Insurance costs 2.25% less
- Freedom: Insurance costs 32.74% less