Compare Santa Monica, CA Car Insurance Rates [2024]
Car insurance in Santa Monica, CA averages $397 a month. Santa Monica, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Santa Monica car insurance rates, compare quotes from the top car insurance companies in Santa Monica, CA.
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Tonya Sisler
Insurance Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywrite...
Insurance Content Team Lead
UPDATED: May 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: May 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Santa Monica is USAA
- The cheapest car insurance company in Santa Monica for teen drivers is USAA
- The cheapest ZIP code in Santa Monica is 90405
If you need to buy Santa Monica, California car insurance, the options can be confusing. Everything you need to know about car insurance in Santa Monica, CA is right here.
You’ll find Santa Monica car insurance rates, the cheapest Santa Monica, CA car insurance companies, and information on California car insurance laws. You can also compare Santa Monica, California car insurance rates to Sacramento car insurance rates, Fresno car insurance rates, and Anaheim car insurance rates.
Ready to find affordable Santa Monica, CA car insurance today? Enter your ZIP code for fast, free Santa Monica car insurance quotes.
Cheapest Santa Monica, CA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Santa Monica, CA car insurance rates? Every Santa Monica, California car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $4,419 | $4,396 | $3,211 | $3,215 | $12,586 | $15,793 | $5,587 | $6,046 |
| Farmers | $3,589 | $3,589 | $3,262 | $3,262 | $11,508 | $18,734 | $4,261 | $4,754 |
| Geico | $2,206 | $2,206 | $2,073 | $2,073 | $6,750 | $6,855 | $3,174 | $3,235 |
| Liberty Mutual | $3,014 | $2,824 | $2,832 | $2,731 | $6,514 | $7,040 | $3,366 | $3,430 |
| Nationwide | $4,238 | $4,038 | $3,721 | $3,499 | $10,919 | $12,060 | $5,067 | $4,992 |
| Progressive | $2,201 | $2,267 | $1,885 | $2,236 | $5,995 | $7,222 | $3,202 | $3,446 |
| State Farm | $3,724 | $3,724 | $3,331 | $3,331 | $6,909 | $8,579 | $4,125 | $4,252 |
| Travelers | $3,151 | $3,034 | $2,779 | $2,751 | $6,773 | $7,632 | $4,119 | $4,019 |
| USAA | $2,284 | $2,160 | $2,225 | $2,231 | $5,268 | $5,299 | $3,163 | $2,985 |
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Minimum Car Insurance in Santa Monica, CA
Every driver must carry the minimum car insurance required by the state in Santa Monica, CA. Take a look at the California car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
Cheapest Santa Monica, CA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Santa Monica, CA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,150 | $6,973 | $11,050 | $5,454 |
| Farmers | $4,903 | $6,669 | $8,289 | $6,618 |
| Geico | $2,492 | $3,868 | $4,832 | $3,093 |
| Liberty Mutual | $3,446 | $4,610 | $4,167 | $3,652 |
| Nationwide | $4,224 | $5,424 | $9,195 | $5,424 |
| Progressive | $2,316 | $3,963 | $4,606 | $3,343 |
| State Farm | $3,391 | $4,042 | $7,621 | $3,933 |
| Travelers | $2,801 | $4,695 | $5,418 | $4,216 |
| USAA | $2,122 | $3,173 | $5,186 | $2,326 |
Cheapest Santa Monica, CA Car Insurance for Teen Drivers
Teen car insurance in Santa Monica, CA can be expensive. Take a look at rates from the top car insurance companies in Santa Monica for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $12,586 | $15,793 |
| Farmers | $11,508 | $18,734 |
| Geico | $6,750 | $6,855 |
| Liberty Mutual | $6,514 | $7,040 |
| Nationwide | $10,919 | $12,060 |
| Progressive | $5,995 | $7,222 |
| State Farm | $6,909 | $8,579 |
| Travelers | $6,773 | $7,632 |
| USAA | $5,268 | $5,299 |
Cheapest Santa Monica, CA Car Insurance for Seniors
Take a look at Santa Monica, CA rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,211 | $3,215 |
| Farmers | $3,262 | $3,262 |
| Geico | $2,073 | $2,073 |
| Liberty Mutual | $2,832 | $2,731 |
| Nationwide | $3,721 | $3,499 |
| Progressive | $1,885 | $2,236 |
| State Farm | $3,331 | $3,331 |
| Travelers | $2,779 | $2,751 |
| USAA | $2,225 | $2,231 |
Cheapest Santa Monica, CA Car Insurance Rates After a DUI
A DUI in Santa Monica, CA increases car insurance rates. Compare Santa Monica, California car insurance after a DUI by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $11,050 |
| Farmers | $8,289 |
| Geico | $4,832 |
| Liberty Mutual | $4,167 |
| Nationwide | $9,195 |
| Progressive | $4,606 |
| State Farm | $7,621 |
| Travelers | $5,418 |
| USAA | $5,186 |
Cheapest Santa Monica, CA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Santa Monica, CA by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $6,210 | $7,603 |
| Farmers | $6,004 | $7,236 |
| Geico | $3,244 | $3,899 |
| Liberty Mutual | $3,641 | $4,297 |
| Nationwide | $5,349 | $6,784 |
| Progressive | $3,226 | $3,888 |
| State Farm | $4,573 | $4,920 |
| Travelers | $3,846 | $4,719 |
| USAA | $2,950 | $3,454 |
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Cheapest Santa Monica, CA Car Insurance Rates by ZIP Code
Santa Monica car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Santa Monica, CA.
| ZIP Code | Average Annual Rates |
|---|---|
| 90401 | $6,707 |
| 90402 | $7,028 |
| 90403 | $6,615 |
| 90404 | $6,603 |
| 90405 | $6,316 |
The Best Cheap Car Insurance Companies in Santa Monica, CA
Take a look at a side-by-side comparison of the top car insurance companies in Santa Monica, CA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,907 |
| Farmers | $6,620 |
| Geico | $3,571 |
| Liberty Mutual | $3,969 |
| Nationwide | $6,067 |
| Progressive | $3,557 |
| State Farm | $4,747 |
| Travelers | $4,282 |
| USAA | $3,202 |
Category Winners: Cheapest Car Insurance in Santa Monica, California
Find the cheapest car insurance companies in Santa Monica, CA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Progressive |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
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Cheapest Santa Monica, CA Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Santa Monica car insurance rates. Find the cheapest Santa Monica, CA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,457 | $6,978 | $7,285 |
| Farmers | $6,120 | $6,680 | $7,060 |
| Geico | $3,219 | $3,615 | $3,881 |
| Liberty Mutual | $3,639 | $4,010 | $4,257 |
| Nationwide | $5,414 | $6,181 | $6,605 |
| Progressive | $3,155 | $3,670 | $3,845 |
| State Farm | $4,237 | $4,837 | $5,166 |
| Travelers | $3,634 | $4,418 | $4,794 |
| USAA | $2,888 | $3,268 | $3,450 |
What affects car insurance rates in Santa Monica, California?
What are the factors that affect car insurance rates in Santa Monica, CA? There are several reasons why Santa Monica car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Santa Monica, California.
Car Theft in Santa Monica
High levels of vehicle theft can make car insurance more expensive. Santa Monica, CA car theft statistics from the FBI indicate 235 vehicle thefts a year.
Commute Time in Santa Monica
The more time you spend in your car the higher the risk of an accident. The average commute length in Santa Monica, CA is 26.1 minutes according to City-Data.
Compare Car Insurance Quotes in Santa Monica, CA
Ready to find affordable Santa Monica, California car insurance today? Enter your ZIP code for fast, free Santa Monica, CA car insurance quotes.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
What is the average cost of car insurance in Santa Monica, CA?
The average cost is $397 per month.
What are the car insurance requirements in Santa Monica, CA?
The requirements are 15/30/5: $15,000 per person for bodily injury, $30,000 per accident for bodily injury, and $5,000 for property damage.
How do ZIP codes affect car insurance rates in Santa Monica, CA?
Car insurance rates can vary by ZIP codes. Compare rates to find the best options.
What factors affect car insurance rates in Santa Monica, CA?
Several factors can affect rates, such as driving record, age, vehicle type, and coverage level.
What is the minimum car insurance required in Santa Monica, CA?
The minimum requirements are $15,000/$30,000 for bodily injury and $5,000 for property damage.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Tonya Sisler
Insurance Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywrite...
Insurance Content Team Lead
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.