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6 years experience in personal finance writing
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Licensed auto and home insurance agent
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Updated
In Santa Rosa, California, car insurance costs an average of $78 per month for liability insurance and $171 for full coverage. Its average rates are much lower than those of larger California cities like nearby San Francisco, but still slightly higher than those in neighboring Petaluma.
Santa Rosa’s moderate population density and relatively short average commute may help keep its premiums down.[1] [2]
USAA has the cheapest liability car insurance in Santa Rosa, with an average monthly rate of $55.
California state law requires all drivers to carry minimum coverage levels of at least $30,000 per person in bodily injury liability coverage, $60,000 per accident, and $15,000 in property damage liability coverage.[3]
The following table shows the cheapest rates for liability-only auto insurance in Santa Rosa.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $55 |
| Aspire General | $58 |
| GEICO | $59 |
| Sun Coast | $60 |
| Mercury | $62 |
| National General | $62 |
| Dairyland | $68 |
| Root | $73 |
| Direct Auto | $74 |
| Allstate | $76 |
| Farmers | $78 |
| Anchor | $80 |
| Bristol West | $84 |
| State Farm | $84 |
| Kemper Special | $88 |
| Travelers | $89 |
| 21st Century | $97 |
| Kemper Rsvp | $97 |
| First Acceptance | $130 |
| Chubb | $151 |
Liability quotes start at $55/mo.
If you’re looking for cheap full-coverage car insurance in Santa Rosa, Aspire General offers the lowest average rates, at $102 per month.
Santa Rosa drivers may want to opt for full coverage due to the city’s wildfire risk. The Santa Rosa area has seen wildfires every year since 2017.[4]
Full coverage includes comprehensive coverage, which would pay to repair or replace your vehicle if it’s damaged by a wildfire or other weather event.
The following table shows the cheapest rates for full-coverage car insurance in Santa Rosa.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Aspire General | $102 |
| Root | $113 |
| Mercury | $118 |
| GEICO | $119 |
| USAA | $122 |
| Kemper Special | $133 |
| Kemper Rsvp | $136 |
| Sun Coast | $141 |
| Anchor | $149 |
| Dairyland | $161 |
| National General | $164 |
| Allstate | $168 |
| Farmers | $173 |
| Bristol West | $180 |
| Direct Auto | $180 |
| State Farm | $187 |
| Travelers | $197 |
| 21st Century | $214 |
| First Acceptance | $286 |
| Chubb | $333 |
Santa Rosa’s average monthly premium is $125, which is below the California average of $149 per month. Its average rates are slightly higher than nearby Napa but still lower than larger cities like San Francisco.
Santa Rosa is located in Sonoma County, which had just 291 vehicle thefts during the first quarter of 2025, according to Insurify data. In comparison, San Francisco County had 1,814 auto thefts during the same time period. This could partially account for Santa Rosa’s lower auto insurance rates.
The following table shows the average monthly quotes for other California cities.
City | Average Monthly Quote |
|---|---|
| San Luis Obispo | $103 |
| Lompoc | $105 |
| Chico | $107 |
| Hanford | $107 |
| Ridgecrest | $107 |
| Santa Cruz | $108 |
| Redding | $110 |
| Santa Maria | $111 |
| Woodland | $111 |
| Tulare | $115 |
| Visalia | $115 |
| Campbell | $116 |
| Poway | $116 |
| Palm Desert | $117 |
| Santee | $117 |
| Santa Barbara | $118 |
| La Mesa | $121 |
| La Quinta | $121 |
| Pacifica | $121 |
| Napa | $122 |
| Hollister | $123 |
| Cathedral City | $124 |
| Petaluma | $124 |
| Chula Vista | $125 |
| Brentwood | $126 |
| Dublin | $126 |
| San Marcos | $126 |
| Vista | $126 |
| Saratoga | $127 |
| Yuba City | $127 |
| Bakersfield | $128 |
| Fresno | $128 |
| Novato | $128 |
| San Diego | $128 |
| Temecula | $128 |
| Beaumont | $129 |
| San Clemente | $129 |
| Milpitas | $130 |
| Oceanside | $130 |
| Palm Springs | $130 |
| Lodi | $131 |
| Folsom | $132 |
| Hemet | $132 |
| Concord | $133 |
| Fremont | $133 |
| San Jose | $133 |
| San Ramon | $133 |
| Escondido | $134 |
| Lake Forest | $134 |
| Oxnard | $134 |
| Ceres | $135 |
| Palo Alto | $135 |
| West Sacramento | $135 |
| Camarillo | $136 |
| Fairfield | $136 |
| Redlands | $136 |
| Roseville | $136 |
| Aliso Viejo | $137 |
| Cupertino | $137 |
| National City | $137 |
| Menifee | $138 |
| Watsonville | $138 |
| El Cerrito | $139 |
| Elk Grove | $139 |
| Modesto | $139 |
| Santa Clara | $139 |
| Tracy | $139 |
| Citrus Heights | $140 |
| El Cajon | $140 |
| Laguna Niguel | $140 |
| Murrieta | $140 |
| Norco | $140 |
| Colton | $142 |
| Stockton | $142 |
| Wildomar | $143 |
| Placentia | $144 |
| San Mateo | $144 |
| Brea | $145 |
| Huntington Beach | $145 |
| Lathrop | $145 |
| Pittsburg | $145 |
| South San Francisco | $145 |
| Moreno Valley | $146 |
| Riverside | $146 |
| Thousand Oaks | $146 |
| Vallejo | $147 |
| Antioch | $148 |
| Chino | $148 |
| Hayward | $148 |
| Orange | $148 |
| Perris | $148 |
| Chino Hills | $149 |
| Corona | $149 |
| Cypress | $150 |
| Berkeley | $151 |
| San Leandro | $151 |
| Santa Ana | $151 |
| Newport Beach | $152 |
| Ontario | $152 |
| Irvine | $153 |
| Fountain Valley | $154 |
| Rialto | $154 |
| Sacramento | $154 |
| Hesperia | $155 |
| San Bernardino | $155 |
| Fontana | $157 |
| Garden Grove | $157 |
| Rancho Cucamonga | $157 |
| Victorville | $157 |
| La Mirada | $158 |
| Anaheim | $159 |
| San Pedro | $160 |
| Adelanto | $161 |
| Buena Park | $161 |
| Whittier | $162 |
| Azusa | $163 |
| Covina | $163 |
| La Puente | $163 |
| Simi Valley | $163 |
| Norwalk | $164 |
| Pomona | $165 |
| Torrance | $165 |
| Paramount | $166 |
| San Francisco | $166 |
| Diamond Bar | $167 |
| Long Beach | $168 |
| Oakland | $168 |
| Carson | $170 |
| Walnut | $172 |
| Cerritos | $174 |
| Lancaster | $174 |
| Richmond | $174 |
| Bell Gardens | $178 |
| Culver City | $179 |
| El Monte | $179 |
| Palmdale | $179 |
| Santa Clarita | $181 |
| Pasadena | $182 |
| Temple City | $184 |
| San Gabriel | $186 |
| Lynwood | $194 |
| Compton | $195 |
| Santa Monica | $197 |
| Inglewood | $200 |
| Burbank | $212 |
| Studio City | $217 |
| Los Angeles | $220 |
| Winnetka | $231 |
| Northridge | $240 |
| Reseda | $241 |
| West Hollywood | $246 |
| Glendale | $263 |
| Beverly Hills | $268 |
*Quotes generated for Insurify users in and around Santa Rosa, California within the last 10 days. Last updated on August 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Santa Rosa, California within the last 10 days. Last updated on August 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving history plays a big role in the average rates you receive in Santa Rosa. If you have an infraction on your record, insurers may consider you a high-risk driver in California. Here are the cheapest companies for Santa Rosa drivers with various driving records.
Cheapest car insurance for Santa Rosa drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Santa Rosa: USAA
Cheapest car insurance for Santa Rosa drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Santa Rosa: USAA
In Santa Rosa, 4% of drivers have a speeding ticket on their record, 6% have been in an at-fault accident, and 1.37% have a driving under the influence (DUI) conviction, according to Insurify data.
The Santa Rosa Police Department (SRPD) recently added four new grant-funded patrol vehicles focused on DUI enforcement. In 2025, the SRPD made 614 DUI arrests and investigated 178 DUI-related accidents.[5]
The table below shows the average rates for different driving records in Santa Rosa.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $125 |
| Speeding ticket | $159 |
| At-fault accident | $160 |
| DUI | $170 |
Expert’s insight
“Your driving record has the biggest effect on your insurance quotes. If you have an at-fault accident, DUI, or speeding ticket, insurers view you as higher-risk and more likely to commit a traffic offense again. They’ll charge higher rates to offset this risk.”
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Here are some things to know about driving in Santa Rosa:
Traffic and congestion: Driving in Santa Rosa tends to be less stressful than in larger Bay Area cities, but it’s served by U.S. Highway 101, which runs north-south through the city. So drivers should expect traffic and congestion, especially during the morning and evening rush hour commutes.
Tourism: Santa Rosa is a major tourist destination, serving as the gateway to Sonoma Wine Country. Drivers should expect heavier traffic on the weekends and during harvest season as visitors head to nearby wineries.
Weather concerns: Santa Rosa experiences heavy rainfall, which can lead to flooding on some local roads. The area is also at risk for wildfires, so evacuations and road closures are possible during fire season.
Roughly 74% of Santa Rosa drivers have a commute of 30 minutes or less, according to city data, which could help keep premiums low. But Highway 101 and Highway 12 run directly through Santa Rosa, so congestion regularly builds up during rush hour as people commute to and from the Bay Area.[6] Traffic can also increase on the weekends and during the wine country tourism season.
Monthly rates start at $70 for Santa Rosa drivers with an incident
Teen drivers in Santa Rosa pay some of the highest rates, with an average of $139 per month for liability coverage.
In Santa Rosa, parents are encouraged to sign kids ages 15–19 up for the Teen Driver Challenge. This free, eight-hour course provides hands-on driving experience with the Santa Rosa County Sheriff’s Office staff. It’s designed to teach teen drivers about the dangers of distracted driving and how to avoid accidents.[7]
The following table shows the cheapest rates for teenage drivers in Santa Rosa.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $100 |
| Aspire General | $103 |
| GEICO | $105 |
| Sun Coast | $107 |
| Root | $108 |
| Mercury | $112 |
| Dairyland | $116 |
| National General | $121 |
| Direct Auto | $142 |
| Bristol West | $147 |
| Anchor | $152 |
| Farmers | $153 |
| Kemper Special | $157 |
| State Farm | $160 |
| 21st Century | $171 |
| Kemper Rsvp | $173 |
| Travelers | $182 |
| First Acceptance | $232 |
| Chubb | $305 |
Santa Rosa has a significant number of senior drivers, with 19% of its population age 65 and older, according to the U.S. Census Bureau. On average, Santa Rosa seniors pay $71 per month for liability coverage. If you’re 55 or older, you can take a state-approved mature driver improvement course to lower your car insurance premiums for up to three years.[8]
The following table shows the cheapest rates for senior drivers in Santa Rosa.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $46 |
| GEICO | $48 |
| National General | $50 |
| Mercury | $50 |
| Aspire General | $53 |
| Sun Coast | $54 |
| Dairyland | $59 |
| Direct Auto | $62 |
| Farmers | $64 |
| Anchor | $66 |
| State Farm | $68 |
| Root | $69 |
| Bristol West | $72 |
| Travelers | $73 |
| 21st Century | $79 |
| Kemper Special | $80 |
| Kemper Rsvp | $88 |
| Chubb | $117 |
| First Acceptance | $118 |
The cost of car insurance depends on your driving record, deductible, age, and coverage options. Here’s some more information about finding cheap Santa Rosa car insurance.
Santa Rosa drivers pay an average monthly premium of $78 for liability coverage and $171 for full-coverage car insurance. That’s slightly below California’s statewide average.
USAA offers the cheapest average rates for liability coverage, and Aspire General is the cheapest insurer for full coverage. You can also save by bundling your auto and home insurance or renters insurance and taking advantage of safe driver discounts.
According to California’s car insurance requirements, all drivers need at least $30,000 per person in bodily injury liability coverage, $60,000 per accident, and $15,000 in property damage liability coverage. But the minimum liability requirements may not be enough coverage for most drivers.
When you apply for multiple car insurance quotes, use the same coverage limits and deductibles so you can make an accurate comparison. Comparing free quotes every time your insurance is about to renew will help you find the most affordable car insurance in Santa Rosa.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
