The average full coverage car insurance cost in Santa Clara is $126 per month. Rates vary, with the cheapest at $123 and the most expensive at $303, depending on the policy and driver's details. The table below includes average car insurance costs for various driver profiles to help you know what to expect.
Santa Clara, CA, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Santa Clara: Key Takeaways
GEICO, Progressive and State Farm offer the most affordable car insurance options in Santa Clara, catering to various driver profiles and coverage needs.
For those seeking the cheapest car insurance, GEICO offers minimum coverage at just $34 per month, while Progressive provides full coverage for $85 monthly.
On average, drivers can expect to pay $52 monthly for minimum coverage and $126 for full coverage, though these rates can change based on individual driver profiles.
Car Insurance Quotes in Santa Clara, CA
| Young Drivers | $64 | $158 |
| Teens | No Data | $293 |
| Seniors | $52 | $123 |
| Drivers With a Speeding Ticket | $73 | $179 |
| Drivers With a DUI | $123 | $303 |
| Drivers With An Accident | $83 | $202 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Santa Clara vs. State Average
California
State Average Full Coverage Rate
$1,659
Santa Clara, CA
City Average Full Coverage Rate
$1,515More:$144 saved
This is 9% less expensive.
What Is the Average Car Insurance Rate in Santa Clara?
In Santa Clara, full coverage car insurance costs about $1,515, while minimum coverage is around $628 annually. These rates are lower than the California averages of $1,659 and $693, respectively. Residents enjoy more affordable insurance options compared to the state average.
| State Average | $693 | $1,659 |
| Santa Clara Average | $628 | $1,515 |
Cheapest Car Insurance Companies in Santa Clara
Even with rising premiums in California, you can find cheap car insurance in Santa Clara. GEICO offers the lowest monthly rate for minimum coverage at $34. For full coverage, Progressive provides the best rate at $85 per month.
WHY CAR INSURANCE IN SANTA CLARA IS CHEAP
Car insurance is cheap in Santa Clara due to factors like low traffic and accident rates, ranking low among the most expensive in the state. California faces issues such as a large number of uninsured drivers, frequent personal injury lawsuits and insurance fraud, which contribute to higher premiums statewide.
Cheap Car Insurance in Santa Clara
GEICO is often the cheapest for many, but affordable car insurance varies by driver. The best way to find cheap insurance is by getting quotes from multiple providers. Below is a table with the cheapest car insurance rates for different driver profiles.
| GEICO | Minimum Coverage | $34 |
| Progressive | Full Coverage | $85 |
| State Farm | Teens | $202 |
| GEICO | Young Adults | $72 |
| GEICO | Seniors | $60 |
| National General | Drivers With a DUI | $72 |
| Capital Insurance Group | Drivers With An Accident | $91 |
| National General | Drivers With a Speeding Ticket | $72 |
Car Insurance Rates in Santa Clara by Company
To find the cheapest car insurance in Santa Clara, compare rates from different companies. Below, we detail the most affordable plans for minimum coverage and full coverage.
Cheapest Car Insurance Companies for Minimum Coverage in Santa Clara
GEICO offers the cheapest minimum coverage auto insurance at $34 per month. Progressive follows closely at $37. The table below breaks down the most affordable options.
| GEICO | $34 | $18 |
| Progressive | $37 | $15 |
| CSAA | $38 | $15 |
| Mercury | $43 | $10 |
| Capital Insurance Group | $45 | $7 |
| National General | $46 | $6 |
| State Farm | $47 | $5 |
| Farmers | $49 | $4 |
| Kemper | $49 | $3 |
| State National | $51 | $1 |
Cheapest Car Insurance Companies for Full Coverage in Santa Clara
Progressive offers the cheapest full coverage car insurance in Santa Clara at $85 per month. Below is the full list of providers and their monthly rates.
| Allstate | $124 | $2 |
| Capital Insurance Group | $110 | $17 |
| CSAA | $114 | $12 |
| GEICO | $90 | $36 |
| Hartford | $121 | $5 |
| Kemper | $126 | $0 |
| Mercury | $107 | $19 |
| National General | $92 | $35 |
| Progressive | $85 | $41 |
| State Farm | $118 | $8 |
| State National | $116 | $10 |
Car Insurance Companies in Santa Clara
Get quotes from several companies to find the cheapest car insurance in Santa Clara. Progressive offers the lowest rate at $732 annually, while Capital Insurance Group is the best-rated, scoring 85 on MoneyGeek. Check the table below for more options.
| Capital Insurance Group | 85 | $930 |
| Mercury | 78 | $899 |
| Chubb | 76 | $1,900 |
| State Farm | 74 | $991 |
| GEICO | 70 | $747 |
| Progressive | 70 | $732 |
| CSAA | 67 | $912 |
| Nationwide | 66 | $1,210 |
| Travelers | 64 | $1,272 |
| Farmers | 62 | $1,346 |
| Hartford | 62 | $1,072 |
| Allstate | 60 | $1,182 |
| National General | 59 | $827 |
| Kemper | 58 | $1,050 |
| State National | No Data | $1,005 |
Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Santa Clara by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates annually at $1,515 for 40-year-olds and $1,472 for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $3,405 | $-690 |
| 17 | $3,391 | $-677 |
| 18 | $3,195 | $-481 |
| 19 | $2,435 | $279 |
| 20 | $2,496 | $218 |
| 21 | $2,172 | $542 |
| 22 | $1,885 | $829 |
| 23 | $1,938 | $777 |
| 24 | $1,855 | $859 |
| 25 | $1,894 | $-111 |
| 40 | $1,515 | $268 |
| 65 | $1,472 | $310 |
Cheapest Car Insurance for Teens in Santa Clara
State Farm offers the cheapest overall car insurance for teens in Santa Clara, with full coverage costing $200 monthly, $59 cheaper than the state average. The table below also breaks down some of the most affordable providers in the city for this age group.
| State Farm | $200 | $59 | $202 |
| GEICO | $212 | $47 | $244 |
| Allstate | $225 | $34 | $236 |
| Farmers | $229 | $30 | $317 |
| Capital Insurance Group | $240 | $19 | $234 |
| Progressive | $248 | $11 | $266 |
| Travelers | $285 | $-26 | $252 |
| Kemper | $333 | $-74 | $422 |
| Nationwide | $358 | $-100 | $466 |
Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Santa Clara
CSAA offers the lowest minimum coverage rate for young drivers at $38 per month, while Progressive provides the most affordable full coverage at $102 per month. Check the table below to see which companies offer the cheapest rates for different young driver profiles.
| CSAA | Minimum Coverage | $38 |
| Progressive | Full Coverage | $102 |
| National General | Drivers With a DUI | $88 |
| Capital Insurance Group | Drivers With An Accident | $103 |
| National General | Drivers With a Speeding Ticket | $88 |
Cheapest Car Insurance Companies for Young Drivers in Santa Clara
GEICO offers the most affordable auto insurance for young drivers at $72 monthly. The table below shows other companies with competitive rates:
| GEICO | $72 | $40 |
| Progressive | $73 | $38 |
| CSAA | $82 | $29 |
| National General | $84 | $27 |
| Capital Insurance Group | $87 | $24 |
| Mercury | $96 | $15 |
| State Farm | $96 | $15 |
| State National | $102 | $9 |
| Allstate | $108 | $3 |
Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Santa Clara
GEICO and National General are the city's most affordable car insurance providers, but your rates will vary based on factors like driving record and coverage needs. Below is a table showing the cheapest providers for different driver and coverage profiles that may better fit you.
| GEICO | Minimum Coverage | $34 |
| Progressive | Full Coverage | $84 |
| National General | Drivers With a DUI | $74 |
| Capital Insurance Group | Drivers With An Accident | $86 |
| National General | Drivers With a Speeding Ticket | $74 |
Cheapest Car Insurance Companies for Seniors in Santa Clara
GEICO offers the cheapest monthly premium for seniors at $60 for both minimum and full coverage. Progressive follows closely at $61. The table below shows options of the top car insurance providers for seniors in Santa Clara.
| GEICO | $60 | $27 |
| Progressive | $61 | $27 |
| State Farm | $64 | $23 |
| National General | $70 | $17 |
| Capital Insurance Group | $73 | $14 |
| Mercury | $74 | $13 |
| Hartford | $78 | $10 |
| CSAA | $78 | $9 |
| State National | $79 | $8 |
Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Santa Clara
For high-risk driver profiles, Santa Clara offers more affordable rates than the state average for both minimum and full coverage. Residents pay around $1,118 for minimum coverage, while the state average is $1,239. Those with DUI face the highest costs, while accidents and speeding tickets have a smaller impact on insurance rates.
| State Average | $1,239 | $2,989 |
| Santa Clara Average | $1,118 | $2,734 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Most minor driving incidents in Santa Clara, like a not-at-fault accident or a speeding ticket, are taken into account by insurers for a certain period. For more serious offenses, such as DUI, insurers may consider the incident longer. These offenses often mean you'll need to file an SR-22 or FR-44 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Santa Clara
National General offers the cheapest minimum coverage for drivers with a DUI in Santa Clara at $585 annually. It also has the most affordable full coverage policy at $1,152. Check the table below to see more options for low-cost coverage.
| National General | $49 | $96 |
| Mercury | $69 | $176 |
| Progressive | $77 | $196 |
| Capital Insurance Group | $78 | $197 |
| GEICO | $81 | $211 |
Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Santa Clara
CSAA, Capital Insurance Group and GEICO offer the cheapest auto insurance after an at-fault accident in Santa Clara. The table below shows other companies that provide affordable car insurance coverage for drivers with this violation.
| Capital Insurance Group | $53 | $130 |
| National General | $70 | $136 |
| CSAA | $47 | $145 |
| GEICO | $61 | $150 |
| Farmers | $66 | $243 |
Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Santa Clara
CSAA is the cheapest car insurance provider for drivers with speeding tickets, offering rates of $47 for minimum coverage. National General is the most affordable for full coverage at $96. Check the table below to see how other providers charge drivers with speeding tickets on their records.
| National General | $49 | $96 |
| Capital Insurance Group | $50 | $126 |
| GEICO | $52 | $134 |
| Mercury | $55 | $141 |
| CSAA | $47 | $145 |
Rates are for a 40-year-old driver with good credit and a speeding ticket.
Minimum Car Insurance Requirements in Santa Clara, CA
Statewide mandates set car insurance minimums. Here's what your policy needs at a minimum:
- $15,000 for bodily injury liability per person
- $30,000 for bodily injury liability per accident
- $5,000 for property damage liability per accident
Uninsured motorist coverage and personal injury protection are not required. For example, if you're in an accident and at fault, your policy will cover up to $30,000 for injuries to others and $5,000 for property damage.
Cheap Car Insurance in Santa Clara: Bottom Line
GEICO has the most affordable option for minimum coverage car insurance in Santa Clara, with rates at $34. No matter your age, you'll find providers like Progressive, offering full coverage for just $85. Remember, your policy should include California's mandatory coverage to stay legal. Compare and save to get the best price without skimping on the protection the Golden State requires.
Santa Clara Auto Insurance: FAQ
This section offers quick answers about finding affordable car insurance options. Learn how to compare rates, understand state minimum coverage and choose the best plan for your needs to save on car insurance.
What is the cheapest car insurance company in Santa Clara, CA?
GEICO offers the most affordable car insurance in Santa Clara, with rates starting at $34 for state minimum coverage.
What is the best car insurance company in Santa Clara, CA?
The best car insurance provider in Santa Clara is Capital Insurance Group, with an annual premium for minimum coverage at $930.
How much does car insurance cost on average in Santa Clara, CA?
The average monthly rate for minimum coverage auto insurance in Santa Clara ranges from $52 to $123.
Best Cheap Car Insurance in Santa Clara: Our Methodology
MoneyGeek analyzed Santa Clara auto insurance prices using data from the California Department of Insurance and Financial Services and Quadrant Information Services.
Santa Clara Driver Profile
To assess the best and most affordable auto insurance options for Santa Clara residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Santa Clara
In assessing the car insurance quotes for Santa Clara, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to California's mandated liability insurance parameters:
The minimum coverage requirements in California are:
- $15,000 for bodily injury liability per person
- $30,000 for bodily injury liability per accident
- $5,000 for property damage liability per accident
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among California providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Santa Clara
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated insurance companies in Santa Clara.
For more information on how we conduct our analyses, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.