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How much is car insurance in Santa Clara?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in California is about $6 a month more expensive than it is in Santa Clara.
If you're thinking of moving to Santa Clara from out of state, you may still be in luck. The average monthly payment for the United States as a whole is about $31 more expensive than in Santa Clara.
While these numbers are the average rates for auto insurance in Santa Clara, that doesn't mean it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But worry not, we've done the heavy lifting and broken down the average rate for Santa Clara to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, your rates may begin to increase again in Santa Clara.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Santa Clara, although men do pay a bit less on their monthly auto coverage, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will obviously pay a lot less than those with infractions. In Santa Clara, a driving record with a single accident will usually get you a rate around $58 a month. In addition, drivers with a single ticket on their record can expect to pay around $62 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$50|
|15 Years or Older||$51|
The most affordable vehicles to insure in Santa Clara are by and large cars, which run about $50 per month.
SUVs, trucks, and vans on the other hand, cost about the same to insure, around $51 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Santa Clara are vehicles eleven-to-fourteen years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$50|
Generally speaking, people who are married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
As you can see in the table above, married couples pay about the same rate as single drivers in Santa Clara.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$70|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $8 a month more than if you own your own home in Santa Clara. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Santa Clara, CA
Recent trends in car insurance for Santa Clara drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
The rates for auto insurance in Santa Clara dropped from 2017-2019, but began to rise in 2021. This pattern has continued through 2022 when rates have most recently hit $56.
How does Santa Clara compare to neighboring areas?
Why are car insurance rates in Santa Clara different from other areas?
There are many factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Amount of drivers in the region
- Regional regulations
- Road Safety (total number of local car accidents)
- Off-street parking access
- Local crime rates
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Santa Clara?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies that offer plans in Santa Clara.
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Santa Clara Insurance FAQs
What factors affect car insurance quotes in Santa Clara?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Santa Clara different from other neighboring cities?
Things like parking situations, crime rates, and local laws, 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 Clara?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Santa Clara?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
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 Clara 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.
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