The Cheapest Car Insurance Companies in Santa Rosa
A full moon coverage policy includes liability and comprehensive and collision insurance. In Santa Rosa, the cheapest cable car indemnity companies for full coverage, on average, are :
- Esurance: $993 per year
- Progressive: $1,004 per year
For active military and veterans, USAA ’ s full coverage policy averages $ 1,015 per annum. Esurance is up to 36 % cheaper than Travelers, the most expensive option at roughly $ 1,551 annually. Full coverage policy prices will vary depending on the indebtedness coverage purchased .
Cheapest Car Insurance in Santa Rosa
Full Coverage 100/300/100
- company 100/300/100per year
- 1 .Esurance $993
- 2 .Progressive $1,004
- 3 .USAA $1,015
- 4 .GEICO $1,086
- 5 .MetLife $1,099
- 6 .Allstate $1,104
- 7. CSAA $1,134
- 8 .State Farm $1,254
- 9 .Mercury $1,324
- 10. Allied $1,431
- 11 .Hartford $1,461
- 12 .Farmers $1,477
- 13 .Travelers $1,551
The rates in MoneyGeek ’ second analysis are based on the profile of a 40-year-old male driver in Santa Rosa with a full coverage policy, as our methodology explains. A entire coverage policy covers the cost of damage to your fomite, so although you pay a higher bounty, you are in full protected. In addition to indebtedness, a wax coverage policy has :
- Collision insurance: covers damages resulting from a collision with another car or stationary object.
- Comprehensive insurance: covers damages from risks such as theft.
minimal coverage may be better for older cars where the vehicle ’ s value is lower than the price of a wax coverage policy .
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Cheapest Car Insurance in Santa Rosa for Minimum Coverage
Whether you live in Santa Rosa or a different city, the come of coverage you buy will play a function in determining the price of your car indemnity. The average rate of a policy only meeting state minimums in Santa Rosa is $ 572 per class. That is $ 671 cheaper than a full coverage policy, which costs $ 1,243 on median .
Cheapest Minimum Liability Car Insurance in Santa Rosa
state Minimum
- party State Minimumper year
- 1 .USAA $407
- 2 .Progressive $429
- 3 .GEICO $435
- 4. CSAA $455
- 5 .Mercury $520
- 6 .Esurance $537
- 7 .MetLife $547
- 8 .State Farm $584
- 9 .Travelers $593
- 10. Allied $642
- 11 .Allstate $644
- 12 .Hartford $719
- 13 .Farmers $760
The most low-cost car indemnity you can buy in Santa Rosa is a country minimum policy with the 15/30/5 coverage required in California. however, this policy has the potential for higher out-of-pocket costs and specify protective covering. For case, your state minimal policy only has $ 15,000 in bodily injury coverage. If you cause an accident and the medical expenses exceed that limit, you must pay for the extra come out of pocket .
California Minimum Liability Requirements
- item description
- Bodily Injury and Property Damage $ 15,000 per person, $ 30,000 per accident and $ 5,000 for property damage. A more protective level is 100/300/100 .
Cheapest Car Insurance in Santa Rosa if You Have Driving Violations
car policy rates in Santa Rosa addition significantly with violations like a DUI, tag or at-fault accident. For drivers with violations, the most low-cost car insurers in Santa Rosa, on average, are :
- Cheapest after a ticket: Esurance, $1,256 per year
- Cheapest after an at-fault accident: CSAA, $1,425 per year
- Cheapest after a DUI: Mercury, $2,174 per year
If you have a military background and a ticket on your criminal record, USAA is cheapest at approximately $ 1,110 a year. The monetary value of your car indemnity decreases if you improve your record over time. Until then, it is important to compare quotes and find low-cost insurers for drivers with violations .
Cheapest Car Insurance in Santa Rosa With a Violation
Speeding ticket
- company Speeding Ticketper year
- 1 .USAA $1,110
- 2 .Esurance $1,256
- 3 .MetLife $1,420
- 4. CSAA $1,425
- 5 .Allstate $1,557
- 6 .GEICO $1,600
- 7 .Mercury $1,737
- 8 .State Farm $1,843
- 9 .Progressive $1,904
- 10. Allied $2,002
- 11 .Farmers $2,028
- 12 .Hartford $2,271
- 13 .Travelers $2,297
Average Cost of Car Insurance in Santa Rosa
Santa Rosa $1,243
California $1,429
U.S. $1,424
The average annual car policy rate is relatively low-cost in Santa Rosa. The average annual rate in this city is $ 1,243, which is 13 % less than the California average and 12.7 % lower than the U.S. modal.
Personalized Quotes to Get You the Cheapest Car Insurance in Santa Rosa
Auto insurance providers use a number of elements to compute car policy quotes in Santa Rosa. These factors include your gender and age, drive commemorate, driving experience and more. Consider the provider State Farm in Santa Rosa — its average pace for 18-year-old customers is about twice equally much as a 40-year-old driver will pay for similar servicing. We recommend that you get custom-made quotes at regular intervals to check if you qualify for any savings, rebates or discounts as your circumstances change .
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The Best Car Insurance Companies in Santa Rosa
MoneyGeek ’ mho rate system found that the best insurers in Santa Rosa for choice servicing and affordability are :
- AAA: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
USAA scored highest on MoneyGeek ‘s rating system, but it is not listed as the best overall since it is only available to drivers with military backgrounds. If eligible, USAA is an excellent choice for low-cost cable car indemnity. MoneyGeek ’ s ratings are based on J.D. Power user atonement scores, affordability and fiscal stability ratings .
1 USAA score : 100
5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability
2 Auto Club of Southern California Insurance Group grudge : 90
4/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A fiscal stability
3 GEICO score : 90
4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability
4 Wawanesa score : 87.5
5/5 Affordability 4/5 Claims Ratings 4/5 User Satisfaction A- fiscal constancy
5 State Farm mark : 87.5
3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability
6 Ameriprise score : 85
4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A fiscal stability
7 Hartford score : 85
3/5 Affordability 4/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability
8 Progressive score : 82.5
4/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy
9 Allstate score : 82.5
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability
10 Safeco score : 80
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability
11 CSAA score : 77.5
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability
12 Liberty Mutual score : 77.5
3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy
13 Farmers score : 77.5
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability
14 Mercury mark : 77.5
3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability
15 Nationwide score : 75
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy
16 Kemper mark : 70
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A- fiscal constancy
Average Cost of Car Insurance by Postal Code
ZIP code besides makes a dispute for car insurance costs because areas with higher numbers of car thefts, accidents and uninsured drivers are riskier to insure. In Santa Rosa car insurance in the 95404 neighborhood costs around $ 19 more per year compared to drivers living in ZIP code 95403 .
- Zip Code State Minimumper year
- 95403 $1,234
- 95404 $1,252
Factors That Impact Insurance Costs in Santa Rosa
In addition to person driver needs and history, location-specific factors like the share of uninsured motorists and the rate of car thefts besides contribute to car indemnity rates in Santa Rosa. How Santa Rosa ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs .
Most Accidents With Fatalities 216th / 300
Most car Thefts 63rd / 300
Most uninsured Motorists by State 12th / 50
personal Injury Protection Required No
Most annual rain 242nd / 300
Most showery Days 244th / 300
Methodology and Assumptions
MoneyGeek ’ s average bounty rates for Santa Rosa are based on 100/300/100 comprehensive examination collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The modal driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and drive record.