Table of contents
How much is car insurance in Santa Barbara?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $10 a month cheaper to insure your vehicle in Santa Barbara than it is in the rest of California.
When stacked up against the national average, the average monthly policy payment for Santa Barbara is more affordable. It's around $34 less to insure your vehicle compared to the average rate for the United States as a whole.
Keep in mind that while these are the average car insurance rates for Santa Barbara, it isn't guaranteed that it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Santa Barbara so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay $24 more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates begin to go back up in Santa Barbara.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. The difference in Santa Barbara is around $4 per month. As you can see in the chart above, car insurance for women in the area typically costs around $44 each month, while men pay $48 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Santa Barbara with a single accident will pay around $57 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $63 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$58|
|15 Years or Older||$43|
The most affordable vehicles to insure in Santa Barbara are by and large trucks and vans, which run about $40 per month.
Car owners can expect to pay an average of around $46 a month for their policy, while SUVs usually cost around $51 a month to insure.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Santa Barbara are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$47|
Overall, people who are married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Santa Barbara is no exception, with the difference totaling to around $5 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$62|
One other element taken into consideration is your living situation. Homeowners in Santa Barbara can expect to pay around $5 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in Santa Barbara, CA
Recent trends in car insurance for Santa Barbara drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Car insurance rates in Santa Barbara have been steadily increasing, reaching a high of $54 in 2021.
How does Santa Barbara compare to neighboring areas?
Why are car insurance rates in Santa Barbara different from other areas?
There are several factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:
- Total number of drivers in the region
- Number of car accidents
- Regional laws
- Off-street parking availability
- Regional crime rates
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Santa Barbara?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But hold on! Compare.com has you covered. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer plans in Santa Barbara in no time.
Santa Barbara Insurance FAQs
What factors affect car insurance quotes in Santa Barbara?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Santa Barbara different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Santa Barbara?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Santa Barbara?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Santa Barbara or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.