Best Auto Insurance Rates in Santa Clarita, California

On average your neighbors pay $70 a month.

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Compare Auto Insurance in Santa Clarita

Friday, November 9 2018 By Aaron Besson

Santa Clarita is the home of legendary rollercoaster park Magic Mountain. If you prefer to travel by car, you’re going to need affordable insurance. This page covers Santa Clarita’s car insurance rates, laws, and companies.  

Average Santa Clarita Insurance Rates

How much does car insurance cost in Santa Clarita, CA? Drivers here benefit from affordable coverage. Average auto insurance in California costs $841.45 per year. The national average price is $889.01.

Prices may vary based on your zip code, driving history, and previous claims.

California Average Annual Car Insurance Rates
Coverage Rates
Liability $489.66
Collision $396.55
Comprehensive $100.54
Total Cost Per Year $841.45
Price Per Month $70.12
Source: Facts + Statistics: Auto insurance

The graph below shows the average California insurance rates from 2011 to 2015. This is the most recent data available. According to the III, Santa Clarita car insurance increased from $740 in 2011 to $841 in 2015. This is a jump of $101 dollars, or 13.66 percent.

California average car insurance rates

Buying car insurance in Santa Clarita can take a lot of time and energy. Let QuoteWizard help you compare rates. A couple clicks will get you the quotes you need to start saving money.

Last year, 665 drivers used QuoteWizard to compare car insurance in Santa Clarita, CA from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Santa Clarita, CA

These are the most popular car insurance companies reported by QuoteWizard users in Santa Clarita, California. Of these users, 91 had no insurance when requesting a quote.

  1. State Farm
  2. Allstate
  3. GEICO
  4. Farmers
  5. AAA
  6. Progressive
  7. Liberty Mutual
  8. 21st Century
  9. Mercury
  10. Nationwide

Top 10 Vehicles

These are the most popular makes and models owned by Santa Clarita, CA QuoteWizard users.

  1. Honda Civic LX/DX/EX/Hybrid
  2. Toyota Camry LE
  3. Toyota Corolla/L/CE/BASE
  4. Honda Prius
  5. Ford Ranger
  6. Nissan Altima 2.5
  7. Ford Explorer
  8. Toyota RAV4
  9. Ford Mustang
  10. Ford F150

Minimum Car Insurance Requirements in Santa Clarita, CA

Santa Clarita, California requires all its drivers to carry minimum liability coverage. The minimum is 15/30/5. This means your policy must include: 

  • $15,000 Individual Bodily Injury Liability (BIL):
    The max amount paid for a person injured in a car accident.
  • $30,000 Total Bodily Injury Liability:The total amount paid for every person injured in a car accident.
  • $5,000 Property Damage Liability (PDL):
    The max amount paid for property damage caused by a car accident.

Recommended Coverage Levels

Minimum coverage may seem cheaper short term, but not after an accident. A minimum policy doesn’t include collision or comprehensive coverage.

Given that, we recommend the following coverage: 

  • $100,000 Individual Body Injury Liability
  • $300,000 Total Bodily Injury Liability
  • $100,000 Property Damage Liability

Santa Clarita Drivers

Insurance is more expensive in areas with bad drivers and lots of car accidents. How does Santa Clarita stack up? QuoteWizard ranked state and city drivers from best to worst. According to our data, California is the number one worst driving state.

Driving Conditions

Regional factors like weather, road conditions, and traffic can affect your insurance rates. Poor driving conditions lead to higher premiums.

Weather

Santa Clarita usually has pleasant weather that doesn’t impact driving. Occasional rain can reduce visibility and control on the road, but the city only gets 17 inches of rain per year – well below the national average. Overall, Santa Clarita’s mild weather won’t raise your rates.

Road Conditions

TRIP reports that 68 percent of California’s roads overall are in poor to mediocre condition. This costs Santa Clarita drivers $843 a year in extra car operating costs.

Traffic Congestion

Santa Clarita is part of the Los Angeles region, an area notorious for massive traffic congestion. The Interstate 5 Golden State Chokepoint Relief Program received a $47 million dollar grant to relieve congestion along Santa Clarita's I-5 area.

Moving Violations

Citations and at-fault accidents hurts your driving record. That, in turn, will cause your insurance company to raise your rates. Drivers with lots of tickets and accidents on their record pay more for auto insurance.

Traffic Tickets

As of 2017, an average of 2,000 tickets a week are written in Los Angeles County. Large amounts of traffic citations in your area can cause auto premium hikes.

DUI and DWAI Arrests

A DUI can affect your insurance rates badly. Our study found that getting a DUI can lead to an extra $830 in insurance costs per year. In 2016, Santa Clarita Police filed 3,140 DUIs.

SR-22 DUI/DWAI Insurance

California drivers with a suspended license due to DUI must file an SR-22 form. You are required to carry the SR-22 for three years.

Car Accident Statistics

Drivers pay more for insurance in areas with high accident rates. In 2017, Santa Clarita reported a total of 1,011 fatal and injury crashes.

Vehicle Theft Rates

Los Angeles County Police reported 12,471 auto thefts in 2017. This is down 2.3 percent from 12,765 thefts in 2017. Drivers in high car theft areas pay more for car insurance – especially if they drive a commonly stolen car.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower rates.

Looking for ways to get a discount? Santa Clarita, CA drivers have many options:

  1. Bundle your car insurance with your home or renters insurance, you can cut up to 20 percent off your total bill 
  2. There are discount rates for active and retired members of the Military, National Guard, or Reserves
  3. Have more than one car? Look into a multiple car discount
  4. If you’re a bad driver with tickets and accidents on your driving record, you could end up paying more for auto insurance coverage
  5. Make sure your car as up-to-date safety features and anti-theft devices

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