Cheapest Car Insurance Quotes in Santa Paula

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Santa Paula Car Insurance

^$ 25

/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 Paula

The car insurance rate in Santa Paula is $971 for a six-month policy, which is $40 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $616, making it a popular choice for budget-conscious drivers. Rates in Santa Paula 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 Paula

$971

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Santa Paula

1st place: CSAA

At $616 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $781 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $827 for six months, making it the third cheapest auto insurance company in Santa Paula.

Santa Paula Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Santa Paula, CA is CSAA, offering policies at just $616 for a six-month term. This is followed by USAA, which has an average six-month premium of $781.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $741 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Santa Paula drivers find the best deals.

Cheap Car Insurance Companies in Santa Paula, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$616	$104
USAA	$781	$132
Mercury	$827	$139
AAA SoCal	$906	$155
Progressive	$952	$160
Allstate	$1044	$176
Wawanesa	$1049	$177
AAA NorCal	$1061	$180
Auto Club	$1094	$182
State Farm	$1158	$195
AAA	$1317	$220
Kemper	$1363	$231
Farmers	$1523	$253
Capital Insurance Group	$679	$113
National General	$690	$117
State National	$702	$117
Hartford	$741	$126

Key Takeaways

Way's key takeaways about car insurance in Santa Paula

The auto insurance costs in Santa Paula fall around $616 for six months.
The cheapest auto insurance company in Santa Paula is CSAA.
Teen drivers pay the highest rate in Santa Paula at $64 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Santa Paula

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 Paula are given below.

CSAA provides the cheapest minimum car insurance coverage in Santa Paula. Their Average 6 Month Premium is $148. 21st Century is the most expensive at $388 for the same period.

Cheapest Liability Coverage in Santa Paula, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$148	$25
AAA	$262	$44
USAA	$274	$46
AAA NorCal	$285	$48
AAA SoCal	$325	$56
Progressive	$331	$56
Auto Club	$336	$58
State Farm	$348	$59
Wawanesa	$353	$60
Mercury	$376	$63
Allstate	$405	$68
Farmers	$485	$81
Kemper	$268	$45
Capital Insurance Group	$291	$50
State National	$308	$53
National General	$382	$63
21st Century	$388	$66

Cheapest Full Coverage Car Insurance in Santa Paula

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 Paula is CSAA at $104 per month and $616 for six months.

Cheapest Full Coverage Car Insurance Quotes in Santa Paula, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$616	$104
USAA	$781	$132
Mercury	$827	$139
AAA SoCal	$906	$155
Progressive	$952	$160
Allstate	$1044	$176
Wawanesa	$1049	$177
AAA NorCal	$1061	$180
Auto Club	$1094	$182
State Farm	$1158	$195
AAA	$1317	$220
Kemper	$1363	$231
Farmers	$1523	$253
Capital Insurance Group	$679	$113
National General	$690	$117
State National	$702	$117
Hartford	$741	$126

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Average Car Insurance in Santa Paula 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 Paula, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Santa Paula, 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 Paula'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 Paula

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	$562
30s	Wawanesa	$453
40s	Wawanesa	$453
50s	Wawanesa	$453
60s	Wawanesa	$453
70s	Wawanesa	$444

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

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Santa Paula at $37 per month. At $376 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$223	$37
Capital Insurance Group	$502	$84
USAA	$1197	$202
Mercury	$1214	$204
Wawanesa	$1334	$227
Progressive	$1397	$235
CSAA	$1682	$283
State Farm	$1996	$336
AAA SoCal	$2161	$368
Allstate	$2316	$390
Auto Club	$2469	$420
AAA NorCal	$3290	$548
Farmers	$3359	$571
State National	$359	$60
Marcury	$376	$64

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 Paula.

As young drivers face the highest rates in Santa Paula, Wawanesa offers the cheapest auto insurance rates at $562 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.

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Santa Paula

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 Paula, CA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Santa Paula include AAA and Capital Insurance Group, offering $365 and $524, respectively. 21st Century is an expensive provider with an average six-month premium of $656.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$365	$61
Capital Insurance Group	$524	$89
CSAA	$702	$118
USAA	$1049	$177
Progressive	$1214	$204
Mercury	$1288	$219
Wawanesa	$1482	$247
AAA SoCal	$1557	$265
Auto Club	$1643	$274
Farmers	$1688	$284
State Farm	$2007	$338
AAA NorCal	$2149	$366
Allstate	$2583	$435
State National	$433	$72
Hartford	$502	$85
National General	$576	$96
Nationwide	$621	$106
21st Century	$656	$109

Santa Paula Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Santa Paula CA. For example, the car insurance in Santa Paula after a DUI increases to $1670 for a six month policy. While the rate increases by $438 for a six-month policy in the case of a speeding ticket.

Santa Paula auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1044	$174
Not-at-fault accident	$1044	$178
One comp claim	$1044	$174
One Med/PIP claim	$1044	$178
Two comp claims	$1044	$174
Two Med/PIP claims	$1044	$178
At-fault accident - less than $1000	$1067	$178
Failure to show documents	$1375	$233
Driving with expired registration	$1403	$234
Driving without lights	$1403	$238
Failure to wear a seat belt	$1408	$235
Child safety restraint	$1420	$241
Speeding 11 - 15 MPH over limit	$1476	$246
Speeding 16 - 20 MPH over limit	$1476	$252
Driving too slowly	$1482	$247
Failure to stop at a red light	$1482	$252
Failure to yield	$1482	$247
Following too closely	$1482	$252
Illegal turn	$1482	$247
In 65 MPH zone	$1482	$252
Speeding 21 - 25 MPH over limit	$1482	$247
Speeding 6 - 10 MPH over limit	$1482	$252
Speeding in school zone	$1482	$247
Improper passing	$1488	$253
Cell phone violation	$1494	$249
Texting while driving	$1494	$254
Passing school bus	$1511	$252
Wrong way/wrong lane	$1767	$300
Operating a vehicle without permission	$1808	$301
At-fault accident - $1000-$2000	$1819	$309
At-fault accident - greater than $2000	$1819	$303
Open container	$1825	$310
Driving with a suspended license	$2116	$352
Reckless driving	$2578	$439
Racing	$2606	$434
Leaving scene of an accident/hit and run	$2617	$445
DUI	$2714	$452
Refusal to submit to a chemical test	$2714	$462

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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 Paula 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 Paula.

The cheapest car insurance premiums in Santa Paula are offered by AAA at $718 for a six-month policy. However, it can be as expensive as $605 with companies like Kemper.

Santa Paula car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$718	$122
Capital Insurance Group	$781	$131
Mercury	$929	$156
Progressive	$1375	$231
Wawanesa	$1670	$284
Farmers	$1773	$299
USAA	$1887	$318
CSAA	$1996	$336
AAA SoCal	$2886	$491
Auto Club	$3301	$550
AAA NorCal	$3804	$647
State Farm	$4060	$684
Allstate	$4180	$704
Travelers	$804	$134
National General	$376	$62
Kemper	$605	$101

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 Paula are offered by CSAA at $91. However, it can be as expensive as $433 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Santa Paula after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$91	$15
Capital Insurance Group	$502	$84
Mercury	$855	$144
USAA	$896	$149
Progressive	$964	$162
AAA NorCal	$1334	$223
AAA SoCal	$1431	$244
Allstate	$1472	$245
State Farm	$1557	$265
Farmers	$2155	$359
AAA	$279	$47
Kemper	$353	$60
National General	$376	$62
State National	$433	$74

Car Insurance Price Trends in Santa Paula, California

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

The average cost of full coverage in the Santa Paula rose by $184 in December compared to $182 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 Paula rose to $52 in December, compared to $50 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Santa Paula?

The car insurance in Santa Paula is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Santa Paula?

The cheapest car insurance in Santa Paula is $104 per month for full coverage.

How much is car insurance in Santa Paula for teenagers?

Car insurance for teenagers costs $223 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 Paula?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $163 per month to insure your car in Santa Paula.

Is car insurance expensive in Santa Paula?

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

Cheapest Car Insurance Quotes in Santa Paula

Why you can trust Way?

How Much Is Car Insurance in Santa Paula

Avg. Car Insurance in Santa Paula

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Santa Paula

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Santa Paula Car Insurance Rates by Company

Cheap Car Insurance Companies in Santa Paula, CA

Way's key takeaways about car insurance in Santa Paula

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Santa Paula

Cheapest Liability Coverage in Santa Paula, CA

Cheapest Full Coverage Car Insurance in Santa Paula

Cheapest Full Coverage Car Insurance Quotes in Santa Paula, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Santa Paula by Rating Factor

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

Car Insurance Premiums by Age in Santa Paula

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Paula

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

Santa Paula Car Insurance Rates by Violation

Santa Paula auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Santa Paula after a DUI

Santa Paula car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Santa Paula after Speeding ticket

Car Insurance Price Trends in Santa Paula, California

Average Car Insurance Cost in Santa Paula by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Santa Paula, CA

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

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