Cheapest Car Insurance Quotes in Santa Ynez

Cheapest Minimum Liability Car Insurance in Santa Ynez

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 Ynez are given below. 

CSAA provides the cheapest minimum car insurance coverage in Santa Ynez. Their Average 6 Month Premium is $140. Travelers is the most expensive at $594 for the same period. 

Cheapest Liability Coverage in Santa Ynez, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$140	$24
AAA NorCal	$232	$39
USAA	$265	$45
Progressive	$314	$53
Auto Club	$319	$53
Wawanesa	$335	$56
AAA	$384	$64
AAA SoCal	$389	$66
Mercury	$389	$66
State Farm	$427	$72
Allstate	$492	$83
Farmers	$530	$90
Travelers	$594	$99

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Cheapest Full Coverage Car Insurance in Santa Ynez

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 Ynez is CSAA at $98 per month and $584 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Santa Ynez, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$584	$98
Mercury	$935	$157
AAA NorCal	$951	$162
Progressive	$951	$160
Wawanesa	$995	$167
USAA	$1011	$170
Auto Club	$1037	$177
Allstate	$1157	$195
AAA SoCal	$1221	$207
Kemper	$1292	$216
State Farm	$1384	$233
Travelers	$1546	$258
Farmers	$1552	$264
AAA	$1249	$208

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Car Insurance Premiums by Age in Santa Ynez

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	$546
30s	Wawanesa	$440
40s	Wawanesa	$440
50s	Wawanesa	$440
60s	Wawanesa	$440
70s	Wawanesa	$431

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Santa Ynez Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Santa Ynez CA. For example, the car insurance in Santa Ynez after a DUI increases to $1584 for a six month policy. While the rate increases by $416 for a six-month policy in the case of a speeding ticket.  

Santa Ynez auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$989	$165
Not-at-fault accident	$989	$168
One comp claim	$989	$165
One Med/PIP claim	$989	$168
Two comp claims	$989	$165
Two Med/PIP claims	$989	$168
At-fault accident - less than $1000	$1011	$168
Failure to show documents	$1303	$221
Driving with expired registration	$1330	$222
Driving without lights	$1330	$226
Failure to wear a seat belt	$1335	$223
Child safety restraint	$1346	$228
Speeding 11 - 15 MPH over limit	$1400	$233
Speeding 16 - 20 MPH over limit	$1400	$238
Driving too slowly	$1405	$234
Failure to stop at a red light	$1405	$239
Failure to yield	$1405	$234
Following too closely	$1405	$239
Illegal turn	$1405	$234
In 65 MPH zone	$1405	$239
Speeding 21 - 25 MPH over limit	$1405	$234
Speeding 6 - 10 MPH over limit	$1405	$239
Speeding in school zone	$1405	$234
Improper passing	$1411	$240
Cell phone violation	$1416	$236
Texting while driving	$1416	$241
Passing school bus	$1432	$238
Wrong way/wrong lane	$1675	$285
Operating a vehicle without permission	$1714	$286
At-fault accident - $1000-$2000	$1724	$293
At-fault accident - greater than $2000	$1724	$288
Open container	$1730	$294
Driving with a suspended license	$2006	$334
Reckless driving	$2443	$416
Racing	$2471	$411
Leaving scene of an accident/hit and run	$2481	$422
DUI	$2573	$429
Refusal to submit to a chemical test	$2573	$438

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