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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 $8 a month more expensive than the rest of California.
Conversely, car insurance rates in Santa Clarita are often favorable when viewed against the rest of the country. You can expect to pay about $17 less for your policy in Santa Clarita than in the rest of United States.
Keep in mind that while these are the average car insurance rates for Santa Clarita, it isn't guaranteed that it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. 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 worry, we've done the work for you and broken down average rates for Santa Clarita to help you get a more accurate idea of what you'll be charged for your policy. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Santa Clarita may see their rates begin to go back up once they hit retirement age.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. The price for insurance coverage in Santa Clarita, however, 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 wildly. Those with clean records will obviously pay less than those with infractions. Drivers in Santa Clarita with one accident will pay around $70 a month. In addition, drivers with one ticket can expect to pay around $71 a month on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$65|
|15 Years or Older||$70|
In terms of affordable coverage, the cheapest vehicles to insure in Santa Clarita are usually trucks and vans, at $59 per month.
Car owners can expect to pay an average of around $67 a month for their policy, while SUVs usually cost around $60 a month to insure.
Your rates can also vary depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Santa Clarita, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
Generally speaking, married policyholders will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
In Santa Clarita, the difference in rates based on relationship status can be as much as $18 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$94|
One other element taken into consideration is your living accommodations. If you rent your home or apartment in Santa Clarita, expect to pay around $6 a month more than if you own your home. But if you live with your parents, you can expect to pay a lot 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 Clarita, CA
Recent trends in car insurance for Santa Clarita drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
Auto insurance rates in Santa Clarita dropped from 2017-2019, before steadying out in 2020. They finished up in 2022, at $57 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 a lot of factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Off-street parking access
- Road Safety (frequency of local car accidents)
- Amount of drivers
- Rate of crime
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?
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.
Good news! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Santa Clarita.
Santa Clarita Insurance FAQs
What factors affect car insurance quotes in Santa Clarita?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Santa Clarita different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, 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 Clarita?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Santa Clarita?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Santa Clarita or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?