Santa Monica, CA Car Insurance

The average cost for car insurance in Santa Monica is about $62 a month. To learn more about car insurance rates in the Santa Monica area, read our guide below.
How do rates in Santa Monica measure up compared to neighboring areas, including California as a whole? How much can residents of Santa Monica expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Santa Monica?

Area Average Monthly Car Insurance Premium
Santa Monica$62
CA$56
United States$80

As you can tell from the chart above, the cost of coverage in Santa Monica is about $6 a month more expensive than the rest of California.

Drivers relocating from out of state may enjoy some cost savings in Santa Monica. It's around $18 less to insure your vehicle compared to the average rate for the U.S. as a whole.

These may be the average auto insurance rates for Santa Monica, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't sweat it however, we've broken down average rates for Santa Monica residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$88
25-34$62
35-44$56
45-54$53
55-64$52
65+$58

It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may begin to go back up in Santa Monica.

Average Car Insurance Rates by Gender

Gender Average
Male$61
Female$63

Male drivers pay, on average. slightly more than female drivers for auto insurance. In Santa Monica, although men do pay a little bit less on their monthly auto insurance coverage, the price is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$74
Multiple Accidents$87
1 Ticket$81
Multiple Tickets$131

One of the key factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Santa Monica, a driving record with a single accident will usually get you a rate around $74 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $81.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$66
2-3 Years$56
4-5 Years$61
6-7 Years$58
8-10 Years$65
11-14 Years$67
15 Years or Older$57

The cheapest vehicles to insure in Santa Monica are typically trucks and vans, with each type typically costing about $53 per month.

Cars and SUVs, however, usually cost about $62 for auto insurance coverage.

Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Santa Monica are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$63
Married$58
Divorced$56
Widowed$59

Generally, people who are married will pay slightly less for auto insurance coverage. 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 Monica can be as much as $5 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$58
Rent$64
Live with parents$86

Another factor taken into consideration is your living situation. Renters can expect to pay around $6 a month more than homeowners in Santa Monica. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Santa Monica, CA

Recent trends in car insurance for Santa Monica drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

In Santa Monica, the rates for car insurance had been increasing from 2016-2017, when they reached a high of $71, but began to decrease from 2018-2019. They finished down in 2021, at $55.

How does Santa Monica compare to neighboring areas?

Why are car insurance rates in Santa Monica different from other areas?

There are several factors car insurance companies will consider when figuring out how much to charge for a monthly rate. The specifics of where you call home will have an impact on your personal policy. This might include things like:

  • Community laws
  • Off-street parking accessibility
  • Regional crime rates
  • Road Safety (frequency of local car accidents)
  • Total amount of drivers in the community

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Realizing 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 corner of the world.

How can I find the cheapest car insurance in Santa Monica?

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.

Luckily, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Santa Monica.

Compare the cheapest quotes from dozens of insurance companies

Santa Monica Insurance FAQs

What factors affect car insurance quotes in Santa Monica?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, marital status, and address.

Why is the cost of car insurance in Santa Monica 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 parking situations, local laws, and crime rates 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 Monica?

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 Monica?

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. 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 Monica 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?

Find your best rate in just a few minutes