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 Waterfront, Santa Barbara, CA
We monitor insurance prices, helping the average driver in Waterfront save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Waterfront
The chart below shows the cheapest car insurance company in Waterfront 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.
| Waterfront Insurer | Monthly Cost |
|---|---|
| Metromile | $50 |
| Geico | $57 |
| Progressive | $61 |
| Travelers | $63 |
Savings for Every Kind of Waterfront Driver
Based on our extensive insurance data, we know the average Waterfront 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 $639 per year by choosing the right vehicle insurance company. Some Waterfront residents are paying out over $1,998 extra every year for auto insurance in Waterfront. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Waterfront, Santa Barbara, CA Savings / Yr. |
|---|---|
$639 |
|
$1,170 |
|
$925 |
|
$1,626 |
|
$835 |
|
$362 |
|
$0 |
Waterfront Car Insurance vs. Santa Barbara
People living in Waterfront pay an average of 0.52% less than the typical driver in the state. The average driver in Waterfront can expect to pay about $935 per year, or $1,998 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Waterfront for most people.
Car Insurance Prices by Waterfront Neighborhood
Insurance Prices
Where is insurance cheapest within Waterfront?
The map shows insurance prices in and around Waterfront, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $333 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,225 to a low of $1,892. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the East parts of Waterfront.Pick the Best Car Insurance Company for You in Waterfront
The best car insurance provider for most drivers in Waterfront
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $639 over the average Waterfront car insurance company.
The best car insurance provider for Waterfront 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 $1,170 over the competition.
The best car insurance company for Waterfront drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $925 better than other car insurance companies.
The best auto insurance for Waterfront drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,626 less each year.
The least expensive car insurance company for new and young drivers in Waterfront
In Waterfront, State Farm costs young drivers $835 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Waterfront
Progressive gave the largest car insurance discounts to married couples, averaging $362 saved each year compared to an average Waterfront couple's premiums.
The cheapest car insurance in Waterfront for drivers with bad credit
The best Waterfront car insurance company for customer service
Nationwide was the best company for customer service in Waterfront according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Waterfront, which was better than other insurers.
The cheapest large national provider in Waterfront
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Waterfront 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 Waterfront, 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 Waterfront
What Influences the Cost of Car Insurance in Waterfront?
On average, car insurance in Waterfront 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 neighborhood are influenced by the following factors:
- The average commute time in Waterfront is 19 minutes, which is far less than average for a driver in the city.
- 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 Waterfront are among the lowest 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 C- according to CrimeGrade.org.
- Waterfront is one of the most densely populated areas in the state. The neighborhood’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 Waterfront is $78 per month for minimum coverage and $166 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 Neighborhoods
- Lower East: Insurance costs 5.86% more
- Westside-Santa Barbara: Insurance costs 5.46% more
- Eastside Santa Barbara: Insurance costs 8.26% more
- Riviera: Insurance costs 1.55% less
- Mesa: Insurance costs 1.15% less
- Las Positas: Insurance costs 0.45% more
- Upper State: Insurance costs 2.55% less
- Sea View Estates: Insurance costs 4.95% more
- Via Marina: Insurance costs 7.26% more
- Sierra Linda: Insurance costs 12.06% more
Neighborhoods with Similar Populations
- Van Steuban: Insurance costs 105.81% more
- East Durham: Insurance costs 23.37% less
- Eastland: Insurance costs 33.03% less
- Eastland-Wilora Lake: Insurance costs 25.83% less
- El Camino: Insurance costs 7.66% more
- El Dorado Park: Insurance costs 5.61% more
- El Rio: Insurance costs 6.76% more
- Fairview: Insurance costs 20.72% less
- Franklin Park: Insurance costs 8.01% more
- Girvin: Insurance costs 24.72% more