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Cheapest Auto Insurance in Santa Barbara, California (2024)

The average cost of liability-only coverage is $58 per month, and full coverage costs $137 per month in Santa Barbara.

Actualizado el 2 de mayo de 2024

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Las tarifas más baratas encontradas recientemente en California

Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $59/mes para solo responsabilidad y $113/mes para cobertura total en California.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 2 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 2 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 2 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 2 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

In Santa Barbara, the average monthly cost of car insurance is $98. This is below the statewide average of $196 and the national average of $159. Santa Barbara is one of California’s smaller cities by population.[1] It’s also considered a very walkable city. These factors result in fewer drivers on the road, which can lower driving risks and result in reduced auto insurance premiums.

However, while rates remain lower in Santa Barbara, you can still find ways to cut your costs even more. Here’s how.

Datos Breves

  • California doesn’t allow insurers to use your credit history during the underwriting process.

  • If you have a DUI, speeding ticket, or at-fault accident on your record, you’ll likely pay significantly more for your car insurance.

  • Drivers younger than 25 and older than 70 pay higher rates for car insurance than middle-aged drivers.

Cheapest car insurance companies in Santa Barbara

While auto insurance is generally affordable in Santa Barbara, California car insurance rates vary by insurer as well as by driver profile. Some insurers offer more affordable coverage than others for drivers who have certain driving records, live in certain ZIP codes, or are in certain age groups. That’s why it’s important to compare rates from several insurers to find the best coverage for you.

The table below shows some of the top auto insurers in Santa Barbara, including their statewide rates for full and liability coverage. Include them in your car insurance search.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Mercury3.6$167$89Students
Clearcover3.2$113$54Drivers with a DUI
USAA4.5$229$106Military members
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

  • El puntaje compuesto de Insurify (ICS) es una marca propietaria calculada por nuestro equipo de analistas, que se basa en múltiples factores que reflejan la calidad, la fiabilidad, y la salud financiera de una compañía de seguros.

    Los factores de entrada a la puntuación se incluyen en el puntaje de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntajes de J.D. Power; encuestas de satisfacción de los consumidores de Consumer Reports y de reclamaciones de los consumidores; opiniones de los usuarios sobre la aplicación móvil; y opiniones de los usuarios sobre la compañía.

Best insurer for students: Mercury Auto Insurance

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$70/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$131/mo

Numerous colleges are in the Santa Barbara area, including the University of California, Santa Barbara; Antioch University; Westmont College; and Santa Barbara City College. While younger drivers often pay higher prices for coverage, Mercury, which is based in California, tends to offer more affordable coverage options for drivers who are students.

Ventajas

  • Offers many options to save, including good student discounts for drivers younger than 25

  • Has an extensive network of local agents

Contras

  • Not available in every state

  • Below-average J.D. Power customer satisfaction rating in California

Read our Mercury review
Hugo - April 17, 2024
Verified

Happy Customer

The service is very good, but I'm sad because they don't want to give me more service.
Dee - April 16, 2024
Verified

Watch Out

They keep increasing the policy.
Bponda - April 16, 2024
Verified

Somewhat Average

I am waiting for a return call on quotes. Tom Brown is never available.

Best insurer for drivers with a DUI: Clearcover

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from aaa (exceptional) to c (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$88/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$144/mo

In Santa Barbara County, there were 1,811 DUI arrests in 2019.[2] Drivers with a DUI on their record often pay higher auto insurance rates, but Clearcover’s prices may be more affordable. Because Clearcover uses AI technology to help set premiums, it can offer more personalized, and often lower, pricing than many other insurers.

Ventajas

  • Eligible claims are paid within seven minutes

  • Mobile app has positive reviews on App Store and Google Play

Contras

  • Premiums change more often because Clearcover offers a maximum six-month coverage term instead of the 12 months many competitors offer

  • Coverage isn’t available in all states, and the agent network is small

Read our Clearcover review
Joshua - April 14, 2024
Verified

Loyal Customers Get Raised Rates

They start off with good rates, but after being a loyal customer, they raise the rates even though the value of the vehicles goes down.
Linda - April 7, 2024
Verified

No

The cost is too high considering how little I drive. I haven't had any tickets in 10 years and I'm a senior.
Larry - February 9, 2024
Verified

Excellent

No problems.

Best insurer for the military community: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$83/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$179/mo

Santa Barbara is home to 3,217 veterans.[1] Vandenberg Space Force Base is also located in Santa Barbara County. Both veterans and active-duty military members should consider getting auto insurance through USAA, as this insurer offers top-notch customer service and affordable rates aimed at the military community.

Ventajas

  • Received the highest customer satisfaction rating in California in the J.D. Power 2023 U.S. Auto Insurance Study

  • More affordable rates than many competitors

Contras

  • Only people with certain military affiliations are eligible

  • Gap insurance not available and car replacement coverage not available on leased vehicles

Read our USAA review
Bill - April 22, 2024
Verified

Reluctant Switcher

Excellent, very positive! I only switched to consolidate our farm property insurance together with auto policies.
Marvin - April 21, 2024
Verified

Excellent

So far, so good.
Robert - April 19, 2024
Verified

USAA is the finest. Period.

I've been a member for over 50 years, and have always been pleased with the service. It's a first-class organization.
…

How to get the cheapest car insurance in Santa Barbara

The car insurance rates you get will depend on many things, including your age, driving record, marital status, credit history, and more. While some of these aspects are out of your control, you can do some things to lower your car insurance rates, including:

  • Get multiple insurance quotes. Many insurers cover drivers in California, and the cheapest company for one driver may not be the cheapest for someone else. Try to get at least three quotes from different insurers to find the best plan for you. Independent insurance agents can help, or you can answer a few simple questions to get online auto insurance quotes.

  • Take advantage of discounts. Many insurers offer savings for being accident-free, bundling home and auto coverage, earning good grades, or working for a certain business. It’s a good idea to explore available discounts and make sure to ask for all the savings you and your family are eligible for.

  • Be smart about your vehicle. Cars with anti-theft devices and certain safety features cost less to insure. Compare insurance quotes for different cars before deciding which to buy.

  • Drive safely. Avoiding accidents and moving violations will help you keep your insurance costs down.

Find Cheap Car Insurance in Santa Barbara

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Cheapest liability-only car insurance in Santa Barbara

Liability-only insurance provides the state-minimum required liability coverage. California requires every driver to buy liability insurance to protect others. If you’re at fault in a collision, this coverage will pay for the other party’s injuries and property damage. It doesn’t cover you against any losses except the money you owe others.

The average rate for liability-only insurance in California is $129, and you can see average quotes from area insurers in the table below.

The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7. 
Insurance CompanyAverage Monthly Quote
Mile Auto52
Sun Coast58
Mercury70
Anchor75
Safeco77
USAA83
Dairyland93
National General102
GEICO111
Allstate114
Farmers118
Direct Auto121
State Farm128
Travelers134
21st Century146
Bristol West146
Nationwide180
Chubb228
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Cheapest full-coverage car insurance in Santa Barbara

Full-coverage auto insurance adds additional protections beyond the required state-minimum liability insurance. It typically includes both collision and comprehensive insurance. Collision insurance pays for your losses in a crash, no matter who caused it. Comprehensive coverage pays for your losses from something other than a collision, such as falling objects or vandalism. While not required, these added coverages protect against financial loss.

The table below shows how quotes in Santa Barbara compare with the state full-coverage average rate of $263 per month.

The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7. 
Insurance CompanyAverage Monthly Quote
Mile Auto97
Mercury131
Sun Coast136
Safeco138
Anchor161
USAA179
Dairyland216
National General218
GEICO239
Allstate247
Farmers254
State Farm276
Travelers289
Direct Auto293
21st Century315
Bristol West325
Nationwide388
Chubb491
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Estimate your Santa Barbara car insurance costs

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Car insurance requirements in California

California requires every driver to have liability coverage to protect others in case they cause a collision. Here are the minimum requirements for California liability insurance:

CoverageMinimum Requirements
Bodily injury liability$15,000 per person / $30,000 per accident
Property damage liability5$5,000

While the table above includes your minimum requirements, you may want to expand your protection with some additional coverages. Some other kinds of coverage you may want include:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Physical damage protection

    This includes comprehensive insurance to pay for non-crash losses, as well as collision insurance to pay for damage to your own vehicle after a crash.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    This pays for medical expenses for you and your passengers after an accident, regardless of who was to blame.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    This pays for damage when the responsible driver doesn’t have sufficient insurance coverage to pay for losses.

Cheapest car insurance for drivers with an incident

Speeding tickets, at-fault accidents, driving under the influence, and other moving violations make you a riskier driver in the eyes of insurers. As a result, insurers charge higher premiums when motorists have such incidents on their driving record. Depending on the incident, your rates in California could almost double compared to what a driver with a clean record might pay.

The table below shows the cheapest auto insurance for drivers who have various incidents on their record.

The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7. 
Insurance CompanyClean Record With At-Fault Accident With Speeding TicketWith DUI
Mile Auto52737275
Mercury70102102103
Safeco77106105111
USAA83105105119
Dairyland93120121134
National General102132129147
GEICO111141140160
Allstate114144144164
Farmers118150149170
Direct Auto121158157174
State Farm128160159184
Travelers134172172193
21st Century146191192210
Bristol West146185188210
Nationwide180230229259
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Average cost of car insurance by age

People at the beginning and end of their driving lives present a higher risk of auto accidents. For teens, this is because of their inexperience. For older drivers, it’s due to their reduced faculties. This is why auto insurance rates are generally higher for drivers younger than 25 and older than 70, although rates do vary by insurer.

The table below shows what Santa Barbara drivers of different ages can expect to pay for auto insurance.

AgeAverage Monthly Quote
Teens$233
20s$170
30s$124
40s$116
50s$111
60s$97
70s$101
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Find Cheap Car Insurance in Santa Barbara

Check quotes from 100+ top insurance companies

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Santa Barbara car insurance FAQs

Looking for more information to help you find the lowest rates in Santa Barbara? Consult the answers below.

  • How much is car insurance in Santa Barbara?

    The average rate for car insurance in Santa Barbara is $98 per month. The average rate for liability-only coverage is $58 per month, and the average for full coverage is $137. This makes Santa Barbara more affordable than the California state averages of $129 and $263 per month, respectively.

  • Can insurers review your credit history in California?

    No. California law prevents insurers from reviewing your credit history as part of their underwriting process. In the states where this is legal (which is most states), people with good or excellent credit pay significantly less for insurance compared to people with poor credit histories.

  • What are the best car insurance companies in Santa Barbara?

    Mercury, Clearcover, and USAA are three of the top insurers in Santa Barbara, and each is known for serving specific groups. Mercury’s student discounts are appealing to the thousands of college students in the area, while Clearcover offers some of the lowest rates for drivers with a DUI on their record. Finally, USAA is dedicated to serving the military community and has several offerings military members can take advantage of.

Metodología

Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.

El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.

Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.

Sources

  1. United States Census Bureau. "QuickFacts Los Angeles city, California; Santa Barbara city, California; Anaheim city, California."
  2. California Department of Motor Vehicles. "ANNUAL REPORT OF THE CALIFORNIA DUI MANAGEMENT INFORMATION SYSTEM."

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