Cheapest Car Insurance Quotes in Santa Clara

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Santa Clara Car Insurance

^$ 18

/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 Clara

The car insurance rate in Santa Clara is $847 for a six-month policy, which is $149 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $601, making it a popular choice for budget-conscious drivers. Rates in Santa Clara 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 Clara

$847

Avg. Car Insurance in New Mexico

$996

National Average

$1140

Cheapest Car Insurance Companies in Santa Clara

1st place: USAA

At $601 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $651 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $651 for six months, making it the third cheapest auto insurance company in Santa Clara.

Santa Clara Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Santa Clara, NM is USAA, offering policies at just $601 for a six-month term. This is followed by Encompass, which has an average six-month premium of $651.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $924 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Santa Clara drivers find the best deals.

Cheap Car Insurance Companies in Santa Clara, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$601	$101
Encompass	$651	$109
State Farm	$651	$110
Nationwide	$727	$122
Progressive	$768	$129
Central Mutual	$818	$136
Farmers	$944	$159
Central Insurance	$1020	$170
Farm Bureau	$1025	$174
Allstate	$1192	$201
Kemper	$924	$154

Key Takeaways

Way's key takeaways about car insurance in Santa Clara

The auto insurance costs in Santa Clara fall around $601 for six months.
The cheapest auto insurance company in Santa Clara is Central Mutual.
Teen drivers pay the highest rate in Santa Clara at $604 per month.

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Cheapest Minimum Liability Car Insurance in Santa Clara

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 Clara are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Santa Clara. Their Average 6 Month Premium is $106. Allstate is the most expensive at $450 for the same period.

Cheapest Liability Coverage in Santa Clara, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$106	$18
USAA	$136	$23
Central Insurance	$167	$28
Iowa Farm Bureau	$172	$29
Farm Bureau	$202	$34
Encompass	$207	$35
Progressive	$207	$35
State Farm	$222	$37
Kemper	$298	$51
Farmers	$323	$54
Nationwide	$333	$57
Allstate	$450	$76

Cheapest Full Coverage Car Insurance in Santa Clara

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 Clara is USAA at $101 per month and $601 for six months.

Cheapest Full Coverage Car Insurance Quotes in Santa Clara, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$601	$101
Encompass	$651	$109
State Farm	$651	$110
Nationwide	$727	$122
Progressive	$768	$129
Central Mutual	$818	$136
Farmers	$944	$159
Central Insurance	$1020	$170
Farm Bureau	$1025	$174
Allstate	$1192	$201
Kemper	$924	$154

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Average Car Insurance in Santa Clara 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 Clara, NM increasing?

Despite maintaining a clean driving record, your car insurance rates in Santa Clara, New Mexico, may be increasing due to several external factors. New Mexico 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 Clara'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 Clara

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
30s	MetLife	$497
40s	MetLife	$464
50s	MetLife	$427
60s	MetLife	$405
70s	MetLife	$527

Cheapest Car Insurance Rates for Teen Drivers in Santa Clara,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Santa Clara at $26 per month. At $3584 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$156	$26
Iowa Farm Bureau	$227	$38
Kemper	$232	$39
USAA	$838	$141
State Farm	$1348	$227
Farm Bureau	$1641	$279
Progressive	$2095	$353
Nationwide	$2969	$505
Farmers	$3479	$586
Allstate	$3584	$604

Teen Car Insurance Rates in NM by Age

Way Tip

If you are in your twenties MetLife is the best choice for car insurance in Santa Clara.

As young drivers face the highest rates in Santa Clara, MetLife offers the cheapest auto insurance rates at $497 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.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Santa Clara, Kemper is the cheapest car insurance provider. At $278 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Santa Clara is State Farm, offering rates of around $2378 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$278	$48
USAA	$702	$117
Progressive	$717	$121
Farmers	$1227	$207
Farm Bureau	$1494	$254
Allstate	$1556	$259
State Farm	$2378	$405

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Car Insurance Rates with An Accident in Santa Clara

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 Clara, NM, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Santa Clara include Central Mutual and Central Insurance, offering $106 and $227, respectively. Allstate is an expensive provider with an average six-month premium of $1793.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$106	$18
Central Insurance	$227	$38
Encompass	$252	$43
Kemper	$273	$47
Iowa Farm Bureau	$278	$46
USAA	$439	$74
State Farm	$586	$99
Progressive	$641	$108
Farm Bureau	$1398	$233
Farmers	$1641	$276
Nationwide	$1666	$278
Allstate	$1793	$302

Santa Clara Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Santa Clara NM. For example, the car insurance in Santa Clara after a DUI increases to $798 for a six month policy. While the rate increases by $177 for a six-month policy in the case of a speeding ticket.

Santa Clara auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$853	$142
One Med/PIP claim	$864	$147
Not-at-fault accident	$888	$148
One comp claim	$893	$152
Two Med/PIP claims	$904	$150
Two comp claims	$929	$158
Failure to show documents	$939	$156
Failure to wear a seat belt	$944	$161
Child safety restraint	$979	$163
Driving without lights	$979	$167
In 65 MPH zone	$1010	$168
Cell phone violation	$1015	$173
Texting while driving	$1015	$169
At-fault accident - less than $1000	$1020	$173
Driving with expired registration	$1020	$170
Speeding 11 - 15 MPH over limit	$1030	$175
Speeding 16 - 20 MPH over limit	$1030	$172
Speeding 6 - 10 MPH over limit	$1030	$175
Driving too slowly	$1035	$173
Failure to stop at a red light	$1035	$176
Failure to yield	$1035	$173
Following too closely	$1035	$176
Illegal turn	$1035	$173
Improper passing	$1035	$176
Speeding in school zone	$1035	$173
Wrong way/wrong lane	$1035	$176
Passing school bus	$1051	$175
Operating a vehicle without permission	$1065	$181
Speeding 21 - 25 MPH over limit	$1065	$178
Open container	$1187	$201
At-fault accident - $1000-$2000	$1207	$201
At-fault accident - greater than $2000	$1217	$207
Reckless driving	$1580	$264
Driving with a suspended license	$1585	$269
Refusal to submit to a chemical test	$1606	$268
DUI	$1651	$281
Racing	$1686	$281
Leaving scene of an accident/hit and run	$1697	$288

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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 Clara 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 Clara.

The cheapest car insurance premiums in Santa Clara are offered by Kemper at $273 for a six-month policy. However, it can be as expensive as $1817 with companies like Farm Bureau.

Santa Clara car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$273	$46
Central Insurance	$333	$57
Progressive	$596	$100
State Farm	$616	$104
USAA	$692	$116
Farmers	$1010	$170
Nationwide	$1091	$182
Allstate	$1459	$246
Farm Bureau	$1817	$303

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 Clara are offered by Iowa Farm Bureau at $207. However, it can be as expensive as $2732 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Santa Clara after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$207	$35
USAA	$409	$68
State Farm	$474	$80
Progressive	$525	$88
Farm Bureau	$1075	$183
Farmers	$2207	$368
Allstate	$2732	$464

Car Insurance Price Trends in Santa Clara, New Mexico

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

The average cost of full coverage in the Santa Clara rose by $164 in December compared to $161 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Santa Clara rose to $39 in December, compared to $37 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 Clara?

The car insurance in Santa Clara is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Santa Clara?

The cheapest car insurance in Santa Clara is $101 per month for full coverage.

How much is car insurance in Santa Clara for teenagers?

Car insurance for teenagers costs $156 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 Clara?

The average cost of car insurance is $996 for a six-month policy. It will cost around $142 per month to insure your car in Santa Clara.

Is car insurance expensive in Santa Clara?

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

What is the best car insurance in Santa Clara, NM?

The best car insurance company in Santa Clara NM is USAA, offering $601 for a six-month policy.