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How much is car insurance in Santa Clara?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Santa Clara are about $6 a month cheaper than in the rest of California.
Similarly, car insurance rates in Santa Clara are often favorable when viewed against the rest of the country. It's around $30 less to insure your vehicle compared to the average rate for the U.S. as a whole.
Although these are the average car insurance rates in Santa Clara, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Santa Clara and broken down the different factors 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 below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Santa Clara may see their rates begin to go back up once they hit retirement.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Santa Clara, however, men actually pay a bit less than female drivers for car insurance.
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. Those with clean records will obviously pay much less than those with infractions. In Santa Clara, having a single accident on your record will usually get you rates around $63 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $87.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$48|
|15 Years or Older||$51|
According to the first table above, the cheapest vehicles to insure in Santa Clara are typically SUVs and cars, at $50 per month.
SUV owners, on the other hand, usually pay around $50 a month, while truck and van drivers can expect to pay about $51 per month for insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium decrease. In Santa Clara, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$51|
Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups are about the same in Santa Clara.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$70|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $10 a month more than homeowners in Santa Clara. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Santa Clara, CA
Recent trends in car insurance for Santa Clara drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
In Santa Clara, car insurance rates increased from 2016-2017, when they reached a high of $68, but began to decrease from 2018-2019. They finished down in 2021, at $41.
How does Santa Clara compare to neighboring areas?
Why are car insurance rates in Santa Clara different from other areas?
Car insurance companies look at a lot of factors when they're choosing how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Total number of drivers in the community
- Regional laws
- Amount of off-street parking
- Number of car accidents
- Crime levels
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies offering coverage in Santa Clara.
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 age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Santa Clara different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
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?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Santa Clara or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.