Santa Maria, CA Auto Insurance Rates

Santa Maria, CA residents can save $410 by comparing multiple quotes & reading reviews & research on Santa Maria car insurance rates, quotes, agents & coverage.

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$783 $1014 $1324

Latest Auto Insurance Reviews in Santa Maria, California

The price was extremely favorable compared to previous coverage and my experiences with customer service have been good.
Encompass Insurance
I just recently switched the Encompass for my auto insurance. They have been very helpful, but I haven't had to make a claim, etc.
Safeway insurance has it's ups and downs for sure. I had gotten into an accident and only had a small dent in the car, but I called my agent and she never got back with me. When I called again, she was away from her desk and never returned my call. I am very disappointed in this company.
Safeway insurance has it's ups and downs for sure. I had gotten into an accident and only had a small dent in the car, but I called my agent and she never got back with me. When I called again, she was away from her desk and never returned my call. I am very disappointed in this company.
I think that their charges could be better and that they should offer discounts to loyal customers instead of solely focusing on new customer discounts. I would like to see more extras added to their policy over all.
I love allstate rewards and my allstate bonus check at the end of my policy for my great driving. The allstate app is so easily accessible and easy to use. I love the fact that I am assigned my own agent who is there to help me out with any problems i may have.
I think that different people will find the lowest premium with different insurance companies. In my case Geico beats the lowest quote I could find by over $40. They offer more and varied discounts than I have found elsewhere and Geico even offers discounts on getting qualified for discounts, an example of this is that they offer a discount on a defensive driving course which would lower your premium up to 5%.
The Hartford
My company provided a competitive rate for my premium. It was cheaper than most other companies
I like the fact that there is usually a live agent to talk to online at most times. My windshield got cracked, and there was someone available to file a claim even when it wasn't typical business hours.
I really don't have any dislikes. Everything I've ever requested/needed from them has been handled quickly and efficiently.
I think it is a good company that after being with them many year no other company can offer a better price
Write Your Review | Santa Maria, California Auto Insurance Analysis
State Farm Auto Insurance, Santa Maria, CA
$74/1 month
Car Insurance Policy Holder
  • Divorced 39 Years old Female licensed 21 years ago with Financed Kia Optima LX used for Business with estimated annual mileage of 12,001 - 15,000.
  • PhD & Full Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 20 K Property Damage
  • 50 K Personal Injury Protection
  • 25 K Uninsured Motorists Bodily Injury
  • 50 K Uninsured Motorists Property Damage

Santa Maria Car Insurance Rate Comparisons

Santa Maria, CA's average car insurance of $1014 differs from Nipomo, CA (+$756), Orcutt, CA (+$986), Sisquoc, CA (+$1506) and California (+$805)

Santa Maria Nipomo, CA Orcutt, CA Sisquoc, CA California
Median Insurance Rates $1014 +$756 +$986 +$1506 +$805

Santa Maria Car Insurance Savings By Neighborhood & Street Area

Santa Maria Driver Street Residence & Car Locations Car Details in Santa Maria Santa Maria Driver Demographics Santa Maria Auto Insurance Estimates Recent Santa Maria Insurance Savings
Via Rosa2003 Buick Rendezvous CX19 year female teenager$2211$623
S Curryer St2004 Cadillac Seville SLS16 year teenager$2454$956
La Maria Mobile Home Park
Haslam Dr2008 Ford Fusion SEL81 year female senior$1000$426
S McClelland St2003 Chevrolet Silverado 2500HD LS29 year married woman$893$963
Roadamite (historical)
Esplanada Ave2010 Mazda Mazda3 s Sport29 year married man$1170$376
del Norte Way2010 Nissan Rogue S Krom19 year male teenager$2108$562
North Santa Maria
N Lucas Dr2013 Honda Civic LX74 year senior$934$792
Orchard St2012 Hyundai Sonata GLS48 year woman$968$456
Cimarron Estates
Esplanada Ave2009 Acura TSX Base61 year male senior$1034$559
del Norte Way2008 Chrysler 300 C35 year man$1275$931

Santa Maria Post DUI Car Insurance Rates

Santa Maria Casmalia Blacklake Los Berros California
Median Post DUI Insurance Rate $1886 +$2540 +$2819 +$2503 +$1497
Male Teenager Post DUI Insurance Rate $4110 +$5539 +$6147 +$5457 +$3264
Female Teenager Post DUI Insurance Rate $4092 +$5513 +$6119 +$5433 +$3249

The Post DUI insurance in Santa Maria, CA's is $1886 compared to Casmalia (+$2540), Blacklake (+$2819), Los Berros (+$2503) and California (+$1497)

In Santa Maria, a male teenager with Post DUI pays $18 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2008 Ford Fusion SEL in Santa Maria, CA would pay $3753 on auto insurance while a female teenager POST DUI would pay $3736.

Santa Maria Car Insurance by Segment

Santa Maria Teenagers Car Insurance Rates Comparison

10714 Santa Maria Teenagers (8% of total population), 53% Male & 47% Female.

Santa Maria Guadalupe Garey Callender California
All Teenagers $2210 +$15 +$885 +$3065 +$1755
Male Teenager $2210 +$15 +$885 +$3065 +$1755
Female Teenager $2200 +$15 +$881 +$3051 +$1747

Santa Maria teenagers pay $2210 in insurance in contrast with Guadalupe (+$15), Garey (+$885), Callender (+$3065) and California (+$1755). The difference between Male & Female teenagers in Santa Maria is $10


  • 2011 Kia Sorento LX Male Teenager Insurance Rate $1938
  • 2012 Dodge Journey Crew Female Teenager Insurance Rate $2317

Santa Maria Men & Women Car Insurance

132286 Santa Maria Adults (100% of total population), 50% Men & 50% Women.

Santa Maria Mission Hills Solvang-Santa Ynez Casmalia California
All Women $983 +$1024 +$1451 +$1325 +$781
Married Women $953 +$992 +$1406 +$1284 +$756
All Men $1287 +$1341 +$1900 +$1735 +$1023
Married Men $1226 +$1278 +$1811 +$1653 +$974

The typical insurance rate of $1287 that Santa Maria Men pay varies from Mission Hills (+$1341), Solvang-Santa Ynez (+$1900), Casmalia (+$1735) and California (+$1023). In Santa Maria, married men pay $273 more than married women.


  • 2011 Lincoln MKZ Base Married Men Insurance Rate $1406
  • 2013 Volkswagen Beetle TDI Married Women Insurance Rate $1173

Santa Maria Senior Car Insurance

20189 Santa Maria Seniors (15% of total population), 44% Senior Men & 56% Senior Women.

Santa Maria Guadalupe Sisquoc Orcutt California
All Seniors $1074 +$8 +$1597 +$1046 +$854
Senior Men $1054 +$7 +$1566 +$1026 +$837
Senior Women $1095 +$7 +$1626 +$1065 +$869

Santa Maria seniors pay $1074 in insurance compared to Guadalupe (+$8), Sisquoc (+$1597), Orcutt (+$1046) and California (+$854). In Santa Maria, senior men pay $41 less than senior women.

Santa Maria Car Insurance Discounts for Multiple Vehicles

Santa Maria Population with 1 Vehicle 11389 (29% of Santa Maria population), 2 Vehicles 14955 (38% of the Santa Maria population) and 3 vehicles 6684 (17% of the population)

Santa Maria Orcutt Casmalia Callender California
2 Vehicles $1927 +$1873 +$2595 +$2671 +$1530
3 Vehicles $2941 +$2859 +$3961 +$4077 +$2335
4 Vehicles $3955 +$3845 +$5327 +$5483 +$3140

Santa Maria Auto Insurance Rates Vary by Deductible

Low Deductible ($500) High Deductible ($1000)
Make & Model Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
Ford, Flex SEL $500 $1020 $1520 $950 $1450 $70
Porsche, Cayenne $200 $980 $1180 $910 $1110 $70
Chevrolet, Avalanche LT $300 $1010 $1310 $930 $1230 $80
Hyundai, Genesis 2.0T Premium $1500 $980 $1480 $910 $2410 $-930
Hyundai, Elantra GLS $400 $970 $1370 $910 $1310 $60