Cheap Quotes for Santa Ynez, CA Car Insurance (2021)

Santa Ynez, California car insurance rates average $246 a month and California law requires coverage of at least 15/30/5. By comparing rates from multiple Santa Ynez, CA companies, you can find cheap Santa Ynez car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • The cheapest car insurance company in Santa Ynez is Liberty Mutual
  • Average car insurance rates in Santa Ynez, CA for senior drivers are $1,783/year
  • Average car insurance rates in Santa Ynez, CA are $246/month

How do the Santa Ynez, California monthly average car insurance rates of $246/month compare to nearby cities like Long Beach car insurance rates, Anaheim car insurance rates, and San Diego car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Santa Ynez, CA.

We’ll cover the California minimum coverage requirements, California car insurance laws, and Santa Ynez, CA statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Santa Ynez, California companies to find the most affordable Santa Ynez car insurance rates.

Enter your ZIP code above to find cheap Santa Ynez, CA car insurance quotes today.

What are the minimum Santa Ynez, CA car insurance requirements?

To meet California minimum car insurance coverage requirements, Santa Ynez, CA drivers need to carry at least 15/30/5 coverage.

Minimum Required Car Insurance Coverage in Santa Ynez, 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

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How do age, gender, and marital status affect Santa Ynez, CA car insurance rates?

Three of the criteria that most affect car insurance rates in Santa Ynez, California are age, gender, and marital status. Let’s take a look at how each of these stack up with top Santa Ynez car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Santa Ynez, 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 $2,475 $2,469 $1,814 $1,823 $6,868 $8,614 $3,132 $3,409
Farmers $1,632 $1,632 $1,476 $1,476 $5,169 $8,450 $1,932 $2,151
GEICO $1,575 $1,576 $1,482 $1,482 $4,797 $4,884 $2,262 $2,315
Liberty Mutual $1,851 $1,745 $1,728 $1,672 $3,970 $4,256 $2,074 $2,104
Nationwide $2,656 $2,534 $2,333 $2,198 $6,748 $7,442 $3,163 $3,122
Progressive $1,617 $1,664 $1,394 $1,645 $4,346 $5,226 $2,346 $2,521
State Farm $2,519 $2,519 $2,252 $2,252 $4,651 $5,773 $2,789 $2,875
Travelers $2,035 $1,973 $1,807 $1,789 $4,131 $4,716 $2,627 $2,571
USAA $1,773 $1,679 $1,730 $1,737 $4,050 $4,070 $2,453 $2,318

How much do teen drivers pay for car insurance in Santa Ynez, CA?

Santa Ynez, California car insurance rates for teens are often higher than rates for other drivers. Compare Santa Ynez car insurance rates from multiple Santa Ynez, California car insurance companies to get the best deal.

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,868 $8,614
Farmers $5,169 $8,450
GEICO $4,797 $4,884
Liberty Mutual $3,970 $4,256
Nationwide $6,748 $7,442
Progressive $4,346 $5,226
State Farm $4,651 $5,773
Travelers $4,131 $4,716
USAA $4,050 $4,070

How much do senior drivers pay for car insurance in Santa Ynez, CA?

With a little research, seniors can find affordable car insurance in Santa Ynez, California. Here’s a look at how the top Santa Ynez car insurance companies stack up.

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,814 $1,823
Farmers $1,476 $1,476
GEICO $1,482 $1,482
Liberty Mutual $1,728 $1,672
Nationwide $2,333 $2,198
Progressive $1,394 $1,645
State Farm $2,252 $2,252
Travelers $1,807 $1,789
USAA $1,730 $1,737

How does coverage level affect Santa Ynez, CA car insurance rates?

How much coverage do you need? Are you comfortable with the California minimum of 15/30/5 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Santa Ynez, CA car insurance rates will be. Let’s take a look.

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

Insurance Company Low Medium High
Allstate $3,598 $3,862 $4,017
Farmers $2,780 $3,011 $3,177
GEICO $2,330 $2,574 $2,735
Liberty Mutual $2,245 $2,447 $2,583
Nationwide $3,387 $3,840 $4,096
Progressive $2,294 $2,676 $2,814
State Farm $2,876 $3,260 $3,474
Travelers $2,366 $2,777 $2,975
USAA $2,248 $2,524 $2,658

How does your driving record affect Santa Ynez, CA car insurance rates?

Safe driving pays off. The more traffic violations you have in Santa Ynez, CA, the higher your car insurance rates will be. Compare rates based on driving infractions from top Santa Ynez, California companies.

Annual Santa Ynez, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,319 $3,866 $6,085 $3,031
Farmers $2,211 $3,011 $3,749 $2,988
GEICO $1,781 $2,747 $3,448 $2,210
Liberty Mutual $2,104 $2,818 $2,547 $2,230
Nationwide $2,639 $3,380 $5,699 $3,380
Progressive $1,694 $2,888 $3,358 $2,439
State Farm $2,287 $2,727 $5,147 $2,653
Travelers $1,828 $2,936 $3,402 $2,657
USAA $1,647 $2,449 $4,007 $1,803

How does a DUI affect Santa Ynez, CA car insurance rates?

With even one DUI on your record, you can see an increase in your Santa Ynez, CA car insurance rates.

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,085
Farmers $3,749
GEICO $3,448
Liberty Mutual $2,547
Nationwide $5,699
Progressive $3,358
State Farm $5,147
Travelers $3,402
USAA $4,007

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How does your commute affect Santa Ynez, CA car insurance rates?

Santa Ynez, CA car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for California can be seen here. Remember, though, that you may have to carry substantially more car insurance in Santa Ynez if you’re financing.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,448 $4,203
Farmers $2,713 $3,266
GEICO $2,313 $2,780
Liberty Mutual $2,227 $2,623
Nationwide $3,334 $4,214
Progressive $2,358 $2,832
State Farm $3,087 $3,320
Travelers $2,442 $2,970
USAA $2,282 $2,671

Who has the cheapest Santa Ynez, CA car insurance rates?

Here’s a breakdown of Santa Ynez, California car insurance rates by company. You can see which company offers the cheapest Santa Ynez car insurance rates in each category.

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

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

What are the top Santa Ynez, CA car insurance companies?

Which Santa Ynez, California car insurance company will best fit your needs and budget? Check out this comparison of the top Santa Ynez companies to find the one for you.

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

Insurance Company Average Annual Rates
Allstate $3,826
Farmers $2,990
GEICO $2,546
Liberty Mutual $2,425
Nationwide $3,774
Progressive $2,595
State Farm $3,204
Travelers $2,706
USAA $2,476

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What factors affect Santa Ynez, CA car insurance rates?

Why are Santa Ynez, California car insurance rates different than rates in Long Beach or Anaheim? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Santa Ynez, CA?

More time spent behind the wheel can lead to higher Santa Ynez, California car insurance rates. In Santa Ynez, CA, the average commute length is 27.6 minutes.

Car Insurance Quotes for Santa Ynez, CA

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