In Santa Rosa, the average cost for full coverage car insurance is $131 per month. Prices can range from $127 to $314, depending on factors like policy details and driver profiles. The table below shows average car insurance rates for different driver profiles in the city.
Santa Rosa, CA, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Santa Rosa: Key Takeaways
In Santa Rosa, GEICO, Progressive and State Farm are the most affordable car insurance providers across various driver profiles and coverage needs.
For those seeking the lowest rates, GEICO offers minimum coverage at $33 per month, while Progressive provides full coverage for $93 monthly.
On average, drivers can expect to pay $51 monthly for minimum coverage and $131 for full coverage, though these rates can fluctuate based on individual driving history and other factors.
Car Insurance Quotes in Santa Rosa, CA
| Young Drivers | $63 | $164 |
| Teens | No Data | $303 |
| Seniors | $51 | $127 |
| Drivers With a Speeding Ticket | $71 | $185 |
| Drivers With a DUI | $120 | $314 |
| Drivers With An Accident | $81 | $209 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Santa Rosa vs. State Average
California
State Average Full Coverage Rate
$1,659
Santa Rosa, CA
City Average Full Coverage Rate
$1,575More:$84 saved
This is 5% less expensive.
What Is the Average Car Insurance Rate in Santa Rosa?
In Santa Rosa, car insurance costs about $1,575 per year for full and $615 for minimum coverage. These rates are lower than California's average of $1,659 and $693, respectively.
| State Average | $693 | $1,659 |
| Santa Rosa Average | $615 | $1,575 |
Cheapest Car Insurance Companies in Santa Rosa
While premiums are rising across California, you can still find cheap car insurance in Santa Rosa. GEICO offers the lowest rate for minimum coverage at just $33 per month. For full coverage, Progressive has the best rate at $93 monthly.
WHY CAR INSURANCE IN SANTA ROSA IS CHEAP
Car insurance is inexpensive in Santa Rosa due to factors like low traffic density and accident rates. The city is low on the list for pricey premiums in the state. Statewide issues such as a large number of uninsured drivers, frequent personal injury lawsuits and insurance fraud drive up the cost for residents.
Cheap Car Insurance in Santa Rosa
GEICO often offers the cheapest minimum coverage, but affordable rates vary for each driver. To find the best deal, compare quotes from multiple insurers. Below is a table showing the cheapest car insurance rates for various driver profiles.
| GEICO | Minimum Coverage | $33 |
| Progressive | Full Coverage | $93 |
| State Farm | Teens | $223 |
| GEICO | Young Adults | $75 |
| GEICO | Seniors | $63 |
| National General | Drivers With a DUI | $71 |
| Capital Insurance Group | Drivers With An Accident | $97 |
| National General | Drivers With a Speeding Ticket | $71 |
Car Insurance Rates in Santa Rosa by Company
Car insurance costs vary, so in Santa Rosa, comparing multiple providers is key to finding affordable coverage. Below, we detail the cheapest options for minimum and full coverage car insurance.
Cheapest Car Insurance Companies for Minimum Coverage in Santa Rosa
GEICO offers the cheapest minimum coverage auto insurance at $33 per month. Progressive follows closely at $38. The table below breaks down the most affordable options.
| GEICO | $33 | $18 |
| Progressive | $38 | $13 |
| CSAA | $40 | $11 |
| National General | $41 | $11 |
| Mercury | $46 | $6 |
| Kemper | $47 | $5 |
| Capital Insurance Group | $48 | $4 |
| Farmers | $48 | $3 |
| State National | $49 | $2 |
| State Farm | $51 | $1 |
Cheapest Car Insurance Companies for Full Coverage in Santa Rosa
Progressive offers the cheapest full coverage car insurance in Santa Rosa at $93 monthly. Below is a list of other providers and their rates.
| Allstate | $123 | $9 |
| Capital Insurance Group | $117 | $14 |
| GEICO | $98 | $33 |
| Hartford | $118 | $14 |
| Kemper | $131 | $0 |
| Mercury | $122 | $10 |
| National General | $94 | $37 |
| Progressive | $93 | $38 |
| State National | $117 | $14 |
Car Insurance Companies in Santa Rosa
To find cheap car insurance in Santa Rosa, get quotes from several providers. GEICO offers the cheapest rate at $788 annually. Capital Insurance Group is the best affordable option, with a MoneyGeek score of 85. Check the table below for more choices.
| Capital Insurance Group | 85 | $988 |
| Mercury | 77 | $1,004 |
| Chubb | 76 | $1,903 |
| State Farm | 73 | $1,097 |
| GEICO | 70 | $788 |
| Progressive | 70 | $790 |
| Nationwide | 67 | $1,157 |
| CSAA | 65 | $1,028 |
| Travelers | 64 | $1,279 |
| Hartford | 63 | $1,021 |
| Farmers | 62 | $1,344 |
| Allstate | 61 | $1,151 |
| National General | 60 | $810 |
| Kemper | 58 | $1,066 |
| State National | No Data | $999 |
Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Santa Rosa by Age
Middle-aged drivers and younger seniors have the lowest car insurance rate at $1,575 per year for 40-year-olds and $1,528 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $3,524 | $-810 |
| 17 | $3,511 | $-796 |
| 18 | $3,310 | $-596 |
| 19 | $2,528 | $187 |
| 20 | $2,591 | $123 |
| 21 | $2,257 | $457 |
| 22 | $1,957 | $757 |
| 23 | $2,011 | $703 |
| 24 | $1,926 | $788 |
| 25 | $1,963 | $-180 |
| 40 | $1,575 | $208 |
| 65 | $1,528 | $255 |
Cheapest Car Insurance for Teens in Santa Rosa
Allstate offers the cheapest overall car insurance for teens in Santa Rosa at $220 per month. This option saves them $48 compared to the average state cost. The table below breaks down other affordable providers in the city for this age group.
| Allstate | $220 | $48 | $231 |
| State Farm | $222 | $47 | $223 |
| GEICO | $227 | $42 | $260 |
| Farmers | $228 | $40 | $317 |
| Capital Insurance Group | $257 | $11 | $251 |
| Progressive | $270 | $-2 | $290 |
| Travelers | $296 | $-28 | $262 |
| Kemper | $345 | $-77 | $437 |
| Nationwide | $349 | $-81 | $454 |
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 Rosa
GEICO offers the best minimum coverage in Santa Rosa for young drivers at $39 monthly. For affordable full coverage, Progressive leads at $112. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| GEICO | Minimum Coverage | $39 |
| Progressive | Full Coverage | $112 |
| National General | Drivers With a DUI | $86 |
| Capital Insurance Group | Drivers With An Accident | $109 |
| National General | Drivers With a Speeding Ticket | $86 |
Cheapest Car Insurance Companies for Young Drivers in Santa Rosa
GEICO offers the most affordable auto insurance for young drivers at $75 monthly. Other companies with competitive rates are in the table below.
| GEICO | $75 | $38 |
| Progressive | $78 | $35 |
| National General | $82 | $31 |
| Capital Insurance Group | $93 | $21 |
| CSAA | $93 | $20 |
| State National | $102 | $12 |
| Allstate | $105 | $8 |
| State Farm | $107 | $7 |
| Mercury | $107 | $6 |
| Hartford | $109 | $4 |
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 Rosa
GEICO and National General offer some of the cheapest car insurance rates, though prices depend on many factors. Below is a table showing the most affordable providers for various driver and coverage profiles that might better suit your needs.
| GEICO | Minimum Coverage | $33 |
| Progressive | Full Coverage | $92 |
| National General | Drivers With a DUI | $72 |
| Capital Insurance Group | Drivers With An Accident | $92 |
| National General | Drivers With a Speeding Ticket | $72 |
Cheapest Car Insurance Companies for Seniors in Santa Rosa
GEICO offers the cheapest monthly premium for seniors at $63 for both minimum and full coverage. Progressive follows closely at $65. The table below shows the top car insurance providers for seniors in Santa Rosa.
| GEICO | $63 | $26 |
| Progressive | $65 | $24 |
| National General | $69 | $20 |
| State Farm | $71 | $18 |
| Hartford | $74 | $15 |
| Capital Insurance Group | $78 | $11 |
| State National | $78 | $11 |
| Mercury | $83 | $6 |
| CSAA | $87 | $2 |
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 Rosa
For high-risk drivers, Santa Rosa's average rates are $1,092 for minimum coverage and $2,836 for full coverage, both lower than the state averages of $1,239 and $2,989, respectively. Drivers with DUIs pay the most, while accidents and speeding tickets have a smaller impact on rates.
| State Average | $1,239 | $2,989 |
| Santa Rosa Average | $1,092 | $2,836 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Insurers in Santa Rosa typically consider minor driving incidents like a not-at-fault accident or speeding ticket for around three to five years. For serious offenses such as a DUI, the period can extend up to ten years, and you might need to file an SR-22 insurance or FR-44 insurance to meet state minimum coverage.
Cheapest Auto Insurance Rates With a DUI in Santa Rosa
National General offers the cheapest minimum coverage for drivers with a DUI at $517 per year. Its full coverage policy is also affordable at about $1,188 annually. Check the table below for more low-cost coverage options.
| National General | $43 | $99 |
| Mercury | $73 | $201 |
| Progressive | $81 | $216 |
| GEICO | $78 | $228 |
| Farmers | $81 | $305 |
Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Santa Rosa
CSAA, Capital Insurance Group and GEICO have the cheapest auto insurance after an at-fault accident in Santa Rosa. The table below shows different providers offering affordable coverage for drivers with this violation.
| Capital Insurance Group | $56 | $138 |
| National General | $61 | $139 |
| GEICO | $59 | $162 |
| CSAA | $50 | $166 |
| Farmers | $65 | $244 |
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 Rosa
National General is the cheapest car insurance provider for drivers with speeding tickets, offering Santa Rosa residents minimum coverage at $43 monthly and full coverage at $99. Check the table below to see how other providers charge drivers with this violation on their records.
| National General | $43 | $99 |
| Capital Insurance Group | $53 | $135 |
| GEICO | $50 | $145 |
| Mercury | $58 | $160 |
| CSAA | $50 | $166 |
Rates are for a 40-year-old driver with good credit and a speeding ticket.
Minimum Car Insurance Requirements in Santa Rosa, CA
In the Golden State, each city follows statewide mandates for 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/underinsured coverage and other protections are not required.
For example, if you're in a car accident, your minimum coverage will help pay up to $5,000 for any damage to the other car. Knowing these limits is important to avoid unexpected costs.
Cheap Car Insurance in Santa Rosa: Bottom Line
GEICO offers Santa Rosa's cheapest car insurance for minimum coverage at $33, and Progressive leads in full coverage at $93. No matter your age, you'll find competitive rates to suit your budget. Remember, your policy must include California's required coverage: bodily injury liability, property damage liability and sometimes more. Compare car insurers to get a deal that's both wallet-friendly and compliant with Golden State laws.
Santa Rosa Auto Insurance: FAQ
This section offers quick answers to help you find affordable and best car insurance options in Santa Rosa. Discover how to navigate state minimum coverage and explore cost-effective plans without hassle.
What is the cheapest car insurance company in Santa Rosa, CA?
GEICO offers the most affordable car insurance in Santa Rosa, with a minimum monthly coverage rate of $33.
What is the best car insurance company in Santa Rosa, CA?
Capital Insurance Group is the best car insurance provider in Santa Rosa, with a MoneyGeek score of 85. The annual premium for minimum coverage is $988.
How much does car insurance cost on average in Santa Rosa, CA?
The average monthly cost of minimum coverage auto insurance in Santa Rosa ranges from $51 to $120.
Best Cheap Car Insurance in Santa Rosa: Our Methodology
MoneyGeek analyzed Santa Rosa auto insurance prices using data from the California Department of Insurance and Financial Services and Quadrant Information Services.
Santa Rosa Driver Profile
To assess the best and most affordable auto insurance options for Santa Rosa 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 Rosa
In assessing the car insurance quotes for Santa Rosa, 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 Rosa
- 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 Rosa.
For more details on our evaluation process, refer to 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.