Cheapest Car Insurance Quotes in Santa Monica

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Santa Monica Car Insurance

^$ 34

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Santa Monica

The car insurance rate in Santa Monica is $1335 for a six-month policy, which is $324 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $847, making it a popular choice for budget-conscious drivers. Rates in Santa Monica can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Santa Monica

$1335

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Santa Monica

1st place: CSAA

At $847 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1074 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1137 for six months, making it the third cheapest auto insurance company in Santa Monica.

Santa Monica Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Santa Monica, CA is CSAA, offering policies at just $847 for a six-month term. This is followed by USAA, which has an average six-month premium of $1074.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $1019 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Santa Monica drivers find the best deals.

Cheap Car Insurance Companies in Santa Monica, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$847	$143
USAA	$1074	$181
Mercury	$1137	$191
AAA SoCal	$1246	$213
Progressive	$1309	$220
Allstate	$1435	$242
Wawanesa	$1443	$243
AAA NorCal	$1459	$248
Auto Club	$1505	$251
State Farm	$1592	$268
AAA	$1811	$302
Kemper	$1874	$318
Farmers	$2094	$348
Capital Insurance Group	$933	$156
National General	$949	$161
State National	$965	$161
Hartford	$1019	$173

Key Takeaways

Way's key takeaways about car insurance in Santa Monica

The auto insurance costs in Santa Monica fall around $847 for six months.
The cheapest auto insurance company in Santa Monica is CSAA.
Teen drivers pay the highest rate in Santa Monica at $88 per month.

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Cheapest Minimum Liability Car Insurance in Santa Monica

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 Monica are given below.

CSAA provides the cheapest minimum car insurance coverage in Santa Monica. Their Average 6 Month Premium is $203. 21st Century is the most expensive at $533 for the same period.

Cheapest Liability Coverage in Santa Monica, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$203	$34
AAA	$360	$61
USAA	$376	$63
AAA NorCal	$392	$66
AAA SoCal	$447	$77
Progressive	$455	$77
Auto Club	$462	$79
State Farm	$478	$81
Wawanesa	$486	$82
Mercury	$517	$87
Allstate	$557	$94
Farmers	$667	$111
Kemper	$368	$62
Capital Insurance Group	$400	$69
State National	$424	$73
National General	$525	$87
21st Century	$533	$91

Cheapest Full Coverage Car Insurance in Santa Monica

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 Monica is CSAA at $143 per month and $847 for six months.

Cheapest Full Coverage Car Insurance Quotes in Santa Monica, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$847	$143
USAA	$1074	$181
Mercury	$1137	$191
AAA SoCal	$1246	$213
Progressive	$1309	$220
Allstate	$1435	$242
Wawanesa	$1443	$243
AAA NorCal	$1459	$248
Auto Club	$1505	$251
State Farm	$1592	$268
AAA	$1811	$302
Kemper	$1874	$318
Farmers	$2094	$348
Capital Insurance Group	$933	$156
National General	$949	$161
State National	$965	$161
Hartford	$1019	$173

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Average Car Insurance in Santa Monica by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Santa Monica, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Santa Monica, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Santa Monica's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Santa Monica

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	$772
30s	Wawanesa	$623
40s	Wawanesa	$623
50s	Wawanesa	$623
60s	Wawanesa	$623
70s	Wawanesa	$610

Cheapest Car Insurance Rates for Teen Drivers in Santa Monica,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Santa Monica at $51 per month. At $517 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$306	$51
Capital Insurance Group	$690	$115
USAA	$1646	$277
Mercury	$1670	$281
Wawanesa	$1835	$312
Progressive	$1921	$323
CSAA	$2313	$389
State Farm	$2744	$462
AAA SoCal	$2971	$506
Allstate	$3184	$536
Auto Club	$3395	$577
AAA NorCal	$4524	$754
Farmers	$4619	$785
State National	$494	$82
Marcury	$517	$88

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Santa Monica.

As young drivers face the highest rates in Santa Monica, Wawanesa offers the cheapest auto insurance rates at $772 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

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Save up to $971/yr on car insurance rates in Santa Monica.

Car Insurance Rates with An Accident in Santa Monica

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Santa Monica, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Santa Monica

The cheapest car insurance companies after an at-fault accident in Santa Monica include AAA and Capital Insurance Group, offering $502 and $721, respectively. 21st Century is an expensive provider with an average six-month premium of $902.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$502	$84
Capital Insurance Group	$721	$123
CSAA	$965	$162
USAA	$1443	$243
Progressive	$1670	$281
Mercury	$1771	$301
Wawanesa	$2038	$339
AAA SoCal	$2141	$364
Auto Club	$2259	$376
Farmers	$2321	$391
State Farm	$2760	$465
AAA NorCal	$2955	$503
Allstate	$3552	$598
State National	$595	$99
Hartford	$690	$117
National General	$792	$132
Nationwide	$854	$145
21st Century	$902	$150

Santa Monica Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Santa Monica CA. For example, the car insurance in Santa Monica after a DUI increases to $2297 for a six month policy. While the rate increases by $603 for a six-month policy in the case of a speeding ticket.

Santa Monica auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1435	$239
Not-at-fault accident	$1435	$244
One comp claim	$1435	$239
One Med/PIP claim	$1435	$244
Two comp claims	$1435	$239
Two Med/PIP claims	$1435	$244
At-fault accident - less than $1000	$1467	$244
Failure to show documents	$1890	$321
Driving with expired registration	$1929	$322
Driving without lights	$1929	$327
Failure to wear a seat belt	$1936	$323
Child safety restraint	$1952	$331
Speeding 11 - 15 MPH over limit	$2030	$338
Speeding 16 - 20 MPH over limit	$2030	$346
Driving too slowly	$2038	$339
Failure to stop at a red light	$2038	$347
Failure to yield	$2038	$339
Following too closely	$2038	$347
Illegal turn	$2038	$339
In 65 MPH zone	$2038	$347
Speeding 21 - 25 MPH over limit	$2038	$339
Speeding 6 - 10 MPH over limit	$2038	$347
Speeding in school zone	$2038	$339
Improper passing	$2046	$348
Cell phone violation	$2054	$342
Texting while driving	$2054	$350
Passing school bus	$2078	$346
Wrong way/wrong lane	$2430	$413
Operating a vehicle without permission	$2486	$414
At-fault accident - $1000-$2000	$2501	$425
At-fault accident - greater than $2000	$2501	$417
Open container	$2509	$426
Driving with a suspended license	$2909	$484
Reckless driving	$3544	$603
Racing	$3584	$597
Leaving scene of an accident/hit and run	$3598	$612
DUI	$3732	$622
Refusal to submit to a chemical test	$3732	$635

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Santa Monica after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Santa Monica.

The cheapest car insurance premiums in Santa Monica are offered by AAA at $987 for a six-month policy. However, it can be as expensive as $832 with companies like Kemper.

Santa Monica car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$987	$168
Capital Insurance Group	$1074	$180
Mercury	$1278	$215
Progressive	$1890	$318
Wawanesa	$2297	$391
Farmers	$2438	$411
USAA	$2595	$437
CSAA	$2744	$462
AAA SoCal	$3968	$675
Auto Club	$4539	$756
AAA NorCal	$5230	$890
State Farm	$5582	$940
Allstate	$5747	$968
Travelers	$1106	$185
National General	$517	$86
Kemper	$832	$139

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Santa Monica are offered by CSAA at $125. However, it can be as expensive as $595 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Santa Monica after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$125	$21
Capital Insurance Group	$690	$115
Mercury	$1176	$198
USAA	$1232	$205
Progressive	$1325	$223
AAA NorCal	$1835	$306
AAA SoCal	$1968	$335
Allstate	$2024	$337
State Farm	$2141	$364
Farmers	$2963	$494
AAA	$384	$65
Kemper	$486	$83
National General	$517	$86
State National	$595	$102

Car Insurance Price Trends in Santa Monica, California

Car insurance rates in Santa Monica have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Santa Monica rose by $253 in December compared to $251 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Santa Monica rose to $71 in December, compared to $69 in November. This represents an increase of $2 when comparing December and November.

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Average Car Insurance Cost in Santa Monica by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Santa Monica. At $1494 for a six-month policy, insuring your car at 90402 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
90402	$1494	$251
90401	$1427	$240
90404	$1654	$278
90403	$1668	$280
90405	$1721	$289

Frequently Asked Questions

How much is car insurance in Santa Monica?

The car insurance in Santa Monica is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Santa Monica?

The cheapest car insurance in Santa Monica is $143 per month for full coverage.

How much is car insurance in Santa Monica for teenagers?

Car insurance for teenagers costs $306 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Santa Monica?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $224 per month to insure your car in Santa Monica.

Is car insurance expensive in Santa Monica?

Car insurance can be expensive in Santa Monica if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Santa Monica can be affordable.

Cheapest Car Insurance Quotes in Santa Monica

Why you can trust Way?

How Much Is Car Insurance in Santa Monica

Avg. Car Insurance in Santa Monica

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Santa Monica

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Santa Monica Car Insurance Rates by Company

Cheap Car Insurance Companies in Santa Monica, CA

Way's key takeaways about car insurance in Santa Monica

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Santa Monica

Cheapest Liability Coverage in Santa Monica, CA

Cheapest Full Coverage Car Insurance in Santa Monica

Cheapest Full Coverage Car Insurance Quotes in Santa Monica, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Santa Monica by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Santa Monica, CA increasing?

Car Insurance Premiums by Age in Santa Monica

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Santa Monica,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Santa Monica.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Santa Monica

Cheapest Car Insurance Companies after an At-Fault Accident in Santa Monica

Santa Monica Car Insurance Rates by Violation

Santa Monica auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Santa Monica after a DUI

Santa Monica car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Santa Monica after Speeding ticket

Car Insurance Price Trends in Santa Monica, California

Average Car Insurance Cost in Santa Monica by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Santa Monica, CA

Car Insurance Rates by State in the USA (2025 Update)

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