Cheapest Car Insurance Quotes in Santa Rosa

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Santa Rosa 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 Rosa

The car insurance rate in Santa Rosa is $1195 for a six-month policy, which is $50 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 Rosa 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 Rosa

$1195

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in Santa Rosa

1st place: CSAA

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

2nd place: Mercury

Mercury offers auto insurance rates at $987 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA NorCal

AAA NorCal offers auto insurance rates at $1003 for six months, making it the third cheapest auto insurance company in Santa Rosa.

Santa Rosa Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Santa Rosa, CA is CSAA, offering policies at just $616 for a six-month term. This is followed by Mercury, which has an average six-month premium of $987.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1317 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Santa Rosa drivers find the best deals.

Cheap Car Insurance Companies in Santa Rosa, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$616	$104
Mercury	$987	$166
AAA NorCal	$1003	$171
Progressive	$1003	$169
Wawanesa	$1049	$177
USAA	$1067	$180
Auto Club	$1094	$186
Allstate	$1220	$205
AAA SoCal	$1288	$219
Kemper	$1363	$228
State Farm	$1460	$246
Travelers	$1631	$272
Farmers	$1637	$278
AAA	$1317	$220

Key Takeaways

Way's key takeaways about car insurance in Santa Rosa

The auto insurance costs in Santa Rosa fall around $616 for six months.
The cheapest auto insurance company in Santa Rosa is CSAA.
Teen drivers pay the highest rate in Santa Rosa at $579 per month.

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Cheapest Minimum Liability Car Insurance in Santa Rosa

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 Rosa are given below.

CSAA provides the cheapest minimum car insurance coverage in Santa Rosa. Their Average 6 Month Premium is $148. Travelers is the most expensive at $627 for the same period.

Cheapest Liability Coverage in Santa Rosa, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$148	$25
AAA NorCal	$245	$41
USAA	$279	$47
Progressive	$331	$56
Auto Club	$336	$56
Wawanesa	$353	$60
AAA	$405	$67
AAA SoCal	$411	$70
Mercury	$411	$69
State Farm	$450	$76
Allstate	$519	$87
Farmers	$559	$95
Travelers	$627	$105

Cheapest Full Coverage Car Insurance in Santa Rosa

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

Cheapest Full Coverage Car Insurance Quotes in Santa Rosa, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$616	$104
Mercury	$987	$166
AAA NorCal	$1003	$171
Progressive	$1003	$169
Wawanesa	$1049	$177
USAA	$1067	$180
Auto Club	$1094	$186
Allstate	$1220	$205
AAA SoCal	$1288	$219
Kemper	$1363	$228
State Farm	$1460	$246
Travelers	$1631	$272
Farmers	$1637	$278
AAA	$1317	$220

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Average Car Insurance in Santa Rosa 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 Rosa, CA increasing?

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

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	$576
30s	Wawanesa	$465
40s	Wawanesa	$465
50s	Wawanesa	$465
60s	Wawanesa	$465
70s	Wawanesa	$455

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

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Santa Rosa at $68 per month. At $3472 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$399	$68
Capital Insurance Group	$502	$84
USAA	$1306	$220
Wawanesa	$1334	$223
Progressive	$1528	$257
Mercury	$1585	$267
CSAA	$1682	$283
Auto Club	$2469	$412
State Farm	$2520	$424
Allstate	$2931	$493
AAA SoCal	$3102	$527
AAA NorCal	$3142	$523
Travelers	$3262	$555
Farmers	$3472	$579

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 Rosa.

As young drivers face the highest rates in Santa Rosa, Wawanesa offers the cheapest auto insurance rates at $576 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 Rosa.

Car Insurance Rates with An Accident in Santa Rosa

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

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

The cheapest car insurance companies after an at-fault accident in Santa Rosa include AAA and Capital Insurance Group, offering $359 and $524, respectively. Allstate is an expensive provider with an average six-month premium of $3313.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$359	$60
Capital Insurance Group	$524	$89
CSAA	$702	$118
USAA	$1152	$194
Mercury	$1260	$212
Progressive	$1317	$222
Wawanesa	$1482	$247
Auto Club	$1643	$279
Farmers	$1796	$302
AAA NorCal	$2036	$347
AAA SoCal	$2207	$368
State Farm	$2606	$439
Travelers	$3142	$523
Allstate	$3313	$558

Santa Rosa Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Santa Rosa CA. For example, the car insurance in Santa Rosa 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 Rosa 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 Rosa 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 Rosa.

The cheapest car insurance premiums in Santa Rosa are offered by Capital Insurance Group at $781 for a six-month policy. However, it can be as expensive as $718 with companies like AAA.

Santa Rosa car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$781	$131
Mercury	$1117	$188
Progressive	$1482	$250
Wawanesa	$1670	$284
Farmers	$1876	$316
CSAA	$1996	$336
USAA	$2058	$347
Travelers	$2338	$394
Auto Club	$3301	$550
AAA NorCal	$3610	$613
AAA SoCal	$4048	$675
State Farm	$5138	$865
Allstate	$5235	$881
AAA	$718	$122

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 Rosa are offered by CSAA at $91. However, it can be as expensive as $2509 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Santa Rosa after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$91	$15
Capital Insurance Group	$502	$85
Mercury	$1078	$181
USAA	$1100	$187
Progressive	$1106	$186
AAA NorCal	$1272	$216
AAA SoCal	$1762	$294
Allstate	$2235	$380
Farmers	$2327	$388
State Farm	$2486	$422
Travelers	$2509	$419

Car Insurance Price Trends in Santa Rosa, California

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

The average cost of full coverage in the Santa Rosa rose by $204 in January compared to $184 of December. In other words, there has been an increase by $20 when you compare January and December.

The average cost of liability insurance in the Santa Rosa rose to $59 in January, compared to $53 in December. This represents an increase of $6 when comparing January and December.

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Average Car Insurance Cost in Santa Rosa 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 Rosa. At $1410 for a six-month policy, insuring your car at 95404 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
95404	$1410	$236
95405	$1302	$218
95407	$1422	$238
95401	$1410	$236
95403	$1446	$242
95409	$1338	$224

Frequently Asked Questions

How much is car insurance in Santa Rosa?

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

What is the cheapest car insurance in Santa Rosa?

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

How much is car insurance in Santa Rosa for teenagers?

Car insurance for teenagers costs $399 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 Rosa?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $201 per month to insure your car in Santa Rosa.

Is car insurance expensive in Santa Rosa?

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

Cheapest Car Insurance Quotes in Santa Rosa

Why you can trust Way?

How Much Is Car Insurance in Santa Rosa

Avg. Car Insurance in Santa Rosa

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Santa Rosa

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

Santa Rosa Car Insurance Rates by Company

Cheap Car Insurance Companies in Santa Rosa, CA

Way's key takeaways about car insurance in Santa Rosa

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Santa Rosa

Cheapest Liability Coverage in Santa Rosa, CA

Cheapest Full Coverage Car Insurance in Santa Rosa

Cheapest Full Coverage Car Insurance Quotes in Santa Rosa, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Santa Rosa by Rating Factor

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

Car Insurance Premiums by Age in Santa Rosa

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Rosa

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

Santa Rosa Car Insurance Rates by Violation

Santa Rosa auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Santa Rosa after a DUI

Santa Rosa car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Santa Rosa after Speeding ticket

Car Insurance Price Trends in Santa Rosa, California

Average Car Insurance Cost in Santa Rosa by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Santa Rosa, CA

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

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