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Car Insurance in Santa Maria, California

Illustration of van driving by Freeway Insurance headquarters

Located on California’s Central Coast, Santa Maria is known for its world-class wineries and beaches. Within a short 30-minute drive, you can expect to pass no fewer than 20 wineries. Countless nature reserves and trails call it home, led by the wine-themed Foxen Canyon Wine Trail, the Rancho Guadalupe Dunes Preserve, and the 80-acre Point Sal State Beach.

Santa Maria residents also enjoy a deep BBQ tradition. The region’s windy climate offers a different style of cooking over oxidative fires and the use of native coast live oak wood gives the region’s BBQ concoctions a strong pop.

All in all, if you are looking for wineries, beaches, and the best BBQ in California, then Santa Maria is the perfect place to visit.

Quick Facts

  • The average cost of full coverage car insurance in Santa Maria is $1,668 per year.
  • In 2019, there were six reported fatal car crashes/road traffic accidents in Santa Maria.

How Much Does Car Insurance Cost in Santa Maria?

On average, full coverage car insurance in Santa Maria costs $1,668 per year, which is very close to the national average of $1,674 and lower than the average of $2,065 for the state. The state-required minimum car insurance in Santa Maria costs on average $492 annually. The amount of California car insurance premiums you pay depends on several factors, including but not limited to age and driving history.

Insurance premiums across California have a wide range. Here is a sampling of how much insurance costs depending on where you live.

City Average Monthly Minimum Insurance Rate
Los Angeles $80
Fresno $56
San Francisco $56
San Diego $48

Santa Maria Affordable Car Insurance Rates by Zip Code

Zip code is one of the major determining factors for auto insurance rates. Some zip codes have a higher incidence rate, meaning higher theft, acts of vandalism, and the number of overall claims. The higher the incident rate, the higher the premiums.

Santa Maria has three zip codes. Here are the average monthly rates for each zip code:

Zip Code Average Monthly Car Insurance Rate for Minimum Coverage
93454 $40
93455 $38
93458 $41

Santa Maria Low Cost Car Insurance Rates by Age

Some age ranges pay higher premiums than others due to the overall risk profile. For example, drivers in the 16 to 19 age group pay an average monthly rate more than triple that of drivers in their 50s. There are ways to make it less painful to pay for your teen driver’s car insurance. If your teen is a good student, you may be able to get a good student discount, since students who get good grades are thought to be more responsible than others in their age group.

Here is a breakdown of average monthly car insurance rates by age in Santa Maria, California:

Age Average Monthly Car Insurance Rate
Teenagers $134
20s $86
30s $41
40s $40
50s $36
60s $35
70s $38

Methodology: We use the following methodology to arrive at our average cost: age 30, lowest possible legal coverage allowed by the state. Your rates will be determined by several factors, including your age, your claims history, and the amount of coverage you want to purchase.

Driving Conditions in Santa Maria

How Many Fatal Accidents Happen in Santa Maria?

In 2019, there were six fatal car crashes/road traffic accidents in Santa Maria. Of these, 12 vehicles and 23 persons were involved. Two of the fatal accidents involved drunk people.

How Are the Road Infrastructure and Bridges in Santa Maria?

The city of Santa Maria has an active Department of Public Works/Engineering, which consists of a team of engineers, operation managers, technicians, and maintenance workers who manage improvements for all infrastructure, facilities, and transit services. They are responsible for issuing permits on development projects, repairing broken traffic signals, and upgrading city facilities.

One popular ongoing project is chip-sealing city streets, a road resurfacing initiative that helps preserve roads and make them safe enough for public use.

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Minimum Car Insurance Requirements in Santa Maria

California is an at-fault state, which means affected drivers can file claims against the responsible party to pay for damages, including income loss, medical expenses, and other damages. The potential of a lawsuit is enough reason to carry the best car insurance in Santa Monica.

Here are the state minimum liability requirements for California:

  • Bodily Injury Liability: $15,000 per person
  • Bodily Injury Liability: $30,000 per accident
  • Property Damage Liability: $5,000 per accident

If leasing a vehicle, be sure to check with your finance company on the required minimum comprehensive, collision, and property damage liability. Sometimes, finance companies will demand you obtain coverage with higher liability limits than state minimums.

Factors Allowed in Santa Maria Car Insurance Rates

Many factors go into determining Santa Maria car insurance rates.

Remember, the higher your risk profile, the higher the price paid for premiums. The longer you go without a claim, the greater the chance of rates going down.

Other factors that could be used to determine auto insurance rates in California include but are not limited to:

  • Years of driving experience (age)
  • Annual mileage
  • Marital status
  • Make and model of vehicle
  • Credit report
  • Zip code

Remember, keeping a safe driving record is your best bet toward affordable premiums.

Discounts for Car Insurance in Santa Maria, California

There are many ways to save money on car insurance in Santa Maria. Insurance companies do not set rates; the state does that to make sure the playing field is level. However, insurance companies do offer discounts, which can help lower the amount you pay every month.

Savings can come in the form of:

  • Blue icon of two cars

    Multi-car discounts

  • Green icon of a green car

    Good driver discounts

  • Illustration of a smiling person

    Customer loyalty

  • Hands holding a box with a check mark

    Anti-lock brake installation

  • Pink icon of a document with a checklist

    Number of years accident-free.

  • Graphic of a man driving a car

    Defensive driving courses.

Our recommendation is to call your insurance company every six months to see what discounts you may be able to get – and especially if your circumstances change.

What Are the Penalties for Driving Without Insurance in Santa Maria?

A first conviction will see fines anywhere from $100 to $250, with second and third convictions seeing upward of $500. On top of fines, expect penalty assessments, which means a set dollar amount for every $10 in fines.

For example, a penalty assessment under Government Code 7600 will assess an additional penalty of $7 for every $10 in fines. This means a $500 fine could result in close to $2,000 in out-of-pocket expenses.

On top of fines, offenders will need to file for SR-22 insurance for three years. This requires drivers to keep minimum car insurance coverage and acts as proof of responsibility. Expect your premiums to rise by as much as 100% or greater, depending on the offense and number of offenses.

Get a Quote for Cheap Car Insurance in Santa Maria Today!

Vineyards in Santa Maria, CA

Protect yourself and your family with affordable car insurance from Freeway Insurance. Under California state law, all drivers are required to carry car insurance.

To apply for the best car insurance in Santa Maria, California, request a quote online, visit us at a Santa Maria office near you, or call (800) 777-5620 for a free quote.