Cheapest Car Insurance Quotes in Santa Cruz

Cheapest Minimum Liability Car Insurance in Santa Cruz

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Santa Cruz are given below. 

CSAA provides the cheapest minimum car insurance coverage in Santa Cruz. Their Average 6 Month Premium is $137. Farmers is the most expensive at $449 for the same period. 

Cheapest Liability Coverage in Santa Cruz, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$137	$23
USAA	$254	$43
AAA NorCal	$264	$45
AAA SoCal	$302	$52
Progressive	$307	$52
Auto Club	$312	$53
State Farm	$322	$54
Wawanesa	$328	$55
Mercury	$349	$59
AAA	$376	$64
Allstate	$376	$63
Farmers	$449	$77

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Cheapest Full Coverage Car Insurance in Santa Cruz

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Santa Cruz is CSAA at $96 per month and $571 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Santa Cruz, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$571	$96
Mercury	$766	$129
AAA SoCal	$840	$140
Progressive	$883	$149
USAA	$935	$158
Allstate	$967	$163
Wawanesa	$973	$164
AAA NorCal	$983	$167
Auto Club	$1015	$169
State Farm	$1073	$181
Kemper	$1264	$211
Farmers	$1412	$240
AAA	$1221	$204

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Car Insurance Premiums by Age in Santa Cruz

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category.  However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.  

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$521
30s	Wawanesa	$420
40s	Wawanesa	$420
50s	Wawanesa	$420
60s	Wawanesa	$420
70s	Wawanesa	$411

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Santa Cruz Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Santa Cruz CA. For example, the car insurance in Santa Cruz after a DUI increases to $1549 for a six month policy. While the rate increases by $407 for a six-month policy in the case of a speeding ticket.  

Santa Cruz auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$967	$161
Not-at-fault accident	$967	$165
One comp claim	$967	$161
One Med/PIP claim	$967	$165
Two comp claims	$967	$161
Two Med/PIP claims	$967	$165
At-fault accident - less than $1000	$989	$165
Failure to show documents	$1274	$216
Driving with expired registration	$1300	$217
Driving without lights	$1300	$221
Failure to wear a seat belt	$1306	$218
Child safety restraint	$1316	$223
Speeding 11 - 15 MPH over limit	$1369	$228
Speeding 16 - 20 MPH over limit	$1369	$233
Driving too slowly	$1374	$229
Failure to stop at a red light	$1374	$234
Failure to yield	$1374	$229
Following too closely	$1374	$234
Illegal turn	$1374	$229
In 65 MPH zone	$1374	$234
Speeding 21 - 25 MPH over limit	$1374	$229
Speeding 6 - 10 MPH over limit	$1374	$234
Speeding in school zone	$1374	$229
Improper passing	$1380	$235
Cell phone violation	$1385	$231
Texting while driving	$1385	$236
Passing school bus	$1401	$233
Wrong way/wrong lane	$1638	$279
Operating a vehicle without permission	$1676	$279
At-fault accident - $1000-$2000	$1687	$287
At-fault accident - greater than $2000	$1687	$281
Open container	$1692	$287
Driving with a suspended license	$1962	$327
Reckless driving	$2390	$407
Racing	$2416	$402
Leaving scene of an accident/hit and run	$2426	$413
DUI	$2516	$419
Refusal to submit to a chemical test	$2516	$428

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