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How much is car insurance in Santa Clarita?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Santa Clarita are about $11 a month more expensive than the rest of California.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Santa Clarita is rather affordable. Auto insurance coverage in Santa Clarita is about $13 cheaper than it is for the rest of the U.S.
These may be the average auto insurance rates for Santa Clarita, but that doesn't mean it's exactly what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. 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.
Don't sweat it however, we've broken down average rates for Santa Clarita residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may creep back up in Santa Clarita.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. While female drivers pay a bit less than male drivers on their monthly insurance rates, the difference in Santa Clarita is only about $2 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Santa Clarita with a single accident will pay around $72 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $66 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$67|
|15 Years or Older||$72|
The most affordable vehicles to insure in Santa Clarita are usually SUVs, trucks, and vans, which run about $61 per month.
Car owners, however, pay about $70 per month for auto insurance coverage.
Your rates can also vary depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Santa Clarita, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$70|
Generally, people who are married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Santa Clarita is no exception, with the difference totaling to around $18 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$94|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $7 a month more than if you own your own home in Santa Clarita. Those who live with their parents, however, 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 average costs.
Car Insurance Companies in Santa Clarita, CA
Recent trends in car insurance for Santa Clarita 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.
In Santa Clarita, auto insurance rates rose from 2016-2017, when they reached a high of $74. This leveled out in 2018, when they began to decrease again. They finished down in 2021, at $62 per month
How does Santa Clarita compare to neighboring areas?
Why are car insurance rates in Santa Clarita different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Total amount of drivers in the area
- Off-street parking availability
- Area regulations
- Road Safety (total number of local car accidents)
- Crime rates
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider 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 Clarita?
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.
Good news! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer policies in Santa Clarita.
Santa Clarita Insurance FAQs
What factors affect car insurance quotes in Santa Clarita?
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 Clarita different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Santa Clarita?
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 Clarita?
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?
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 Clarita 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.