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How much is car insurance in Santa Cruz?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $11 a month cheaper to insure your vehicle in Santa Cruz than it is in the rest of California.
Compared to the rest of the country, auto insurance in Santa Cruz is more affordable. It's about $35 cheaper to insure your vehicle in Santa Cruz compared to the average rate for the United States as a whole.
While these numbers are the average rates for auto insurance in Santa Cruz, 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. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
We've broken down the average rates for Santa Cruz 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 to learn more about rates in your area!
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? It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement age, however, you may see your rates creep back up in Santa Cruz.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. While female drivers pay a little bit less than male drivers on their monthly premiums, the difference in Santa Cruz is only about $1 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Santa Cruz, drivers with one accident on their record will experience rates around $59 a month. In addition, drivers with one ticket can expect to pay around $88 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$41|
|15 Years or Older||$43|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Santa Cruz, with drivers paying around $41 per month for insurance.
Car owners, on the other hand, by and large pay around $45 a month, while SUV drivers can expect to pay about $54 per month for auto insurance coverage.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. In Santa Cruz, 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)||$48|
More often than not, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Santa Cruz can be as much as $8 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$69|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Santa Cruz, expect to pay around $2 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Santa Cruz, CA
Recent trends in car insurance for Santa Cruz 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 Cruz, the rates for car insurance increased from 2016-2017, before steadying out in 2018. Insurance rates finished up in 2021, at $42 a month
How does Santa Cruz compare to neighboring areas?
Why are car insurance rates in Santa Cruz different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate many factors. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Off-street parking access
- General road safety (how many accidents each locality has)
- Total number of drivers
- Crime levels
- Local laws
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Santa Cruz?
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.
But wait! Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer auto coverage in Santa Cruz in no time.
Santa Cruz Insurance FAQs
What factors affect car insurance quotes in Santa Cruz?
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 driving record, address, credit score, and marital status.
Why is the cost of car insurance in Santa Cruz 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 Cruz?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Cruz?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Santa Cruz or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?