Compare Santa Barbara, CA Car Insurance Rates (2022)

Car insurance in Santa Barbara, CA averages $272 a month. Santa Barbara, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Santa Barbara car insurance rates, compare quotes from the top car insurance companies in Santa Barbara, CA.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 22, 2022Fact Checked

Here's What You Need to Know

  • Average car insurance rates in Santa Barbara, CA after a DUI are $4,597/year
  • The cheapest ZIP code in Santa Barbara is 93111
  • The cheapest car insurance company in Santa Barbara for teen drivers is USAA

If you need to buy Santa Barbara, California car insurance, the options can be confusing. Everything you need to know about car insurance in Santa Barbara, CA is right here.

You’ll find Santa Barbara car insurance rates, the cheapest Santa Barbara, CA car insurance companies, and information on California car insurance laws. You can also compare Santa Barbara, California car insurance rates to Oakland car insurance rates, Fresno car insurance rates, and Los Angeles car insurance rates.

Ready to find affordable Santa Barbara, CA car insurance today? Enter your ZIP code for fast, free Santa Barbara car insurance quotes.

Cheapest Santa Barbara, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Santa Barbara, CA car insurance rates? Every Santa Barbara, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Santa Barbara, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,595 $2,590 $1,902 $1,912 $7,248 $9,099 $3,293 $3,589
Farmers $1,991 $1,991 $1,816 $1,816 $6,339 $10,273 $2,360 $2,632
GEICO $1,637 $1,638 $1,540 $1,540 $4,979 $5,057 $2,351 $2,399
Liberty Mutual $2,008 $1,896 $1,876 $1,816 $4,370 $4,668 $2,256 $2,280
Nationwide $2,977 $2,840 $2,614 $2,462 $7,613 $8,394 $3,556 $3,508
Progressive $1,763 $1,814 $1,508 $1,785 $4,737 $5,696 $2,546 $2,736
State Farm $2,872 $2,872 $2,568 $2,568 $5,319 $6,597 $3,182 $3,281
Travelers $2,282 $2,207 $2,025 $2,004 $4,729 $5,385 $2,963 $2,894
USAA $1,879 $1,779 $1,834 $1,840 $4,284 $4,317 $2,605 $2,461

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

Minimum Car Insurance in Santa Barbara, CA

Every driver must carry the minimum car insurance in Santa Barbara, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Santa Barbara, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Santa Barbara, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Santa Barbara, CA to rates for a clean record with top companies.

Annual Santa Barbara, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,439 $4,076 $6,409 $3,191
Farmers $2,708 $3,681 $4,570 $3,650
GEICO $1,847 $2,855 $3,577 $2,291
Liberty Mutual $2,297 $3,076 $2,777 $2,434
Nationwide $2,965 $3,800 $6,417 $3,800
Progressive $1,846 $3,145 $3,640 $2,661
State Farm $2,612 $3,114 $5,874 $3,030
Travelers $2,047 $3,330 $3,858 $3,009
USAA $1,744 $2,599 $4,246 $1,911

Cheapest Santa Barbara, CA Car Insurance for Teen Drivers

Teen car insurance in Santa Barbara, CA can be expensive. Take a look at rates from the top car insurance companies in Santa Barbara for teenagers.

Annual Car Insurance Rates for Teen Drivers in Santa Barbara, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,248 $9,099
Farmers $6,339 $10,273
GEICO $4,979 $5,057
Liberty Mutual $4,370 $4,668
Nationwide $7,613 $8,394
Progressive $4,737 $5,696
State Farm $5,319 $6,597
Travelers $4,729 $5,385
USAA $4,284 $4,317

Cheapest Santa Barbara, CA Car Insurance for Seniors

Take a look at Santa Barbara, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Santa Barbara, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,902 $1,912
Farmers $1,816 $1,816
GEICO $1,540 $1,540
Liberty Mutual $1,876 $1,816
Nationwide $2,614 $2,462
Progressive $1,508 $1,785
State Farm $2,568 $2,568
Travelers $2,025 $2,004
USAA $1,834 $1,840

Cheapest Santa Barbara, CA Car Insurance Rates After a DUI

A DUI in Santa Barbara, CA increases car insurance rates. Compare Santa Barbara, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Santa Barbara, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,409
Farmers $4,570
GEICO $3,577
Liberty Mutual $2,777
Nationwide $6,417
Progressive $3,640
State Farm $5,874
Travelers $3,858
USAA $4,246

Cheapest Santa Barbara, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Santa Barbara, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Santa Barbara, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,633 $4,424
Farmers $3,313 $3,992
GEICO $2,400 $2,885
Liberty Mutual $2,431 $2,862
Nationwide $3,749 $4,742
Progressive $2,560 $3,086
State Farm $3,525 $3,790
Travelers $2,757 $3,365
USAA $2,420 $2,830

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

Cheapest Santa Barbara, CA Car Insurance Rates by ZIP Code

Santa Barbara car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Santa Barbara, CA.

Annual Car Insurance Rates by ZIP Code in Santa Barbara, California

ZIP Code Average Annual Rates
93101 $4,406
93103 $4,378
93105 $4,280
93106 $4,784
93109 $4,415
93110 $4,285
93111 $4,099

The Best Cheap Car Insurance Companies in Santa Barbara, CA

Take a look at a side-by-side comparison of the top car insurance companies in Santa Barbara, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Santa Barbara, California

Insurance Company Average Annual Rates
Allstate $4,029
Farmers $3,652
GEICO $2,642
Liberty Mutual $2,646
Nationwide $4,245
Progressive $2,823
State Farm $3,657
Travelers $3,061
USAA $2,625

Category Winners: Cheapest Car Insurance in Santa Barbara, California

Find the cheapest car insurance companies in Santa Barbara, CA for each category right here.

Best Annual Car Insurance Rates by Company in Santa Barbara, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

Cheapest Santa Barbara, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Santa Barbara car insurance rates. Find the cheapest Santa Barbara, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Santa Barbara, California

Insurance Company Low Medium High
Allstate $3,799 $4,066 $4,221
Farmers $3,362 $3,686 $3,909
GEICO $2,375 $2,675 $2,877
Liberty Mutual $2,460 $2,670 $2,808
Nationwide $3,809 $4,323 $4,605
Progressive $2,511 $2,914 $3,044
State Farm $3,284 $3,724 $3,964
Travelers $2,659 $3,148 $3,377
USAA $2,389 $2,674 $2,811

What affects car insurance rates in Santa Barbara, California?

What factors can have an impact on Santa Barbara, CA car insurance? There are several reasons why Santa Barbara car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Santa Barbara, California.

Car Theft in Santa Barbara

High levels of vehicle theft can make car insurance more expensive. Santa Barbara, CA car theft statistics from the FBI indicate 178 vehicle thefts a year.

Commute Time in Santa Barbara

The more time you spend in your car the higher the risk of an accident. The average commute length in Santa Barbara, CA is 17.2 minutes according to City-Data.

Compare Car Insurance Quotes in Santa Barbara, CA

Ready to find affordable Santa Barbara, California car insurance today? Enter your ZIP code for fast, free Santa Barbara, CA car insurance quotes.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption