Cheapest Car Insurance Quotes in Santa Rosa

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Santa Rosa Car Insurance

^$ 21

/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 $986 for a six-month policy, which is $10 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $700, 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

$986

Avg. Car Insurance in New Mexico

$996

National Average

$1140

Cheapest Car Insurance Companies in Santa Rosa

1st place: USAA

At $700 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $758 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 $758 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, NM is USAA, offering policies at just $700 for a six-month term. This is followed by Encompass, which has an average six-month premium of $758.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1076 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, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$700	$118
Encompass	$758	$127
State Farm	$758	$128
Nationwide	$846	$143
Progressive	$894	$150
Central Mutual	$952	$158
Farmers	$1100	$185
Central Insurance	$1188	$198
Farm Bureau	$1194	$203
Allstate	$1388	$234
Kemper	$1076	$179

Key Takeaways

Way's key takeaways about car insurance in Santa Rosa

The auto insurance costs in Santa Rosa fall around $700 for six months.
The cheapest auto insurance company in Santa Rosa is Central Mutual.
Teen drivers pay the highest rate in Santa Rosa at $703 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.

Central Mutual provides the cheapest minimum car insurance coverage in Santa Rosa. Their Average 6 Month Premium is $124. Allstate is the most expensive at $524 for the same period.

Cheapest Liability Coverage in Santa Rosa, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$124	$21
USAA	$158	$27
Central Insurance	$194	$33
Iowa Farm Bureau	$200	$34
Farm Bureau	$236	$40
Encompass	$242	$41
Progressive	$242	$41
State Farm	$258	$44
Kemper	$347	$59
Farmers	$376	$63
Nationwide	$388	$66
Allstate	$524	$88

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 USAA at $118 per month and $700 for six months.

Cheapest Full Coverage Car Insurance Quotes in Santa Rosa, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$700	$118
Encompass	$758	$127
State Farm	$758	$128
Nationwide	$846	$143
Progressive	$894	$150
Central Mutual	$952	$158
Farmers	$1100	$185
Central Insurance	$1188	$198
Farm Bureau	$1194	$203
Allstate	$1388	$234
Kemper	$1076	$179

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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, NM increasing?

Despite maintaining a clean driving record, your car insurance rates in Santa Rosa, 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 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
30s	MetLife	$579
40s	MetLife	$541
50s	MetLife	$497
60s	MetLife	$472
70s	MetLife	$614

Cheapest Car Insurance Rates for Teen Drivers in Santa Rosa,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 Rosa at $31 per month. At $4175 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$182	$31
Iowa Farm Bureau	$264	$45
Kemper	$270	$46
USAA	$976	$164
State Farm	$1570	$264
Farm Bureau	$1912	$325
Progressive	$2440	$411
Nationwide	$3458	$588
Farmers	$4052	$682
Allstate	$4175	$703

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 Rosa.

As young drivers face the highest rates in Santa Rosa, MetLife offers the cheapest auto insurance rates at $579 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 Rosa, Kemper is the cheapest car insurance provider. At $324 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 Rosa is State Farm, offering rates of around $2770 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$324	$55
USAA	$818	$137
Progressive	$835	$141
Farmers	$1429	$241
Farm Bureau	$1740	$296
Allstate	$1812	$302
State Farm	$2770	$471

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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, NM, 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 Central Mutual and Central Insurance, offering $124 and $264, respectively. Allstate is an expensive provider with an average six-month premium of $2088.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$124	$21
Central Insurance	$264	$45
Encompass	$294	$50
Kemper	$318	$54
Iowa Farm Bureau	$324	$53
USAA	$512	$86
State Farm	$682	$115
Progressive	$746	$126
Farm Bureau	$1629	$271
Farmers	$1912	$322
Nationwide	$1940	$324
Allstate	$2088	$351

Santa Rosa Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Santa Rosa NM. For example, the car insurance in Santa Rosa after a DUI increases to $929 for a six month policy. While the rate increases by $206 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	$994	$165
One Med/PIP claim	$1006	$171
Not-at-fault accident	$1035	$172
One comp claim	$1040	$177
Two Med/PIP claims	$1052	$175
Two comp claims	$1082	$184
Failure to show documents	$1094	$182
Failure to wear a seat belt	$1100	$187
Child safety restraint	$1140	$190
Driving without lights	$1140	$194
In 65 MPH zone	$1176	$196
Cell phone violation	$1182	$201
Texting while driving	$1182	$197
At-fault accident - less than $1000	$1188	$202
Driving with expired registration	$1188	$198
Speeding 11 - 15 MPH over limit	$1200	$204
Speeding 16 - 20 MPH over limit	$1200	$200
Speeding 6 - 10 MPH over limit	$1200	$204
Driving too slowly	$1206	$201
Failure to stop at a red light	$1206	$205
Failure to yield	$1206	$201
Following too closely	$1206	$205
Illegal turn	$1206	$201
Improper passing	$1206	$205
Speeding in school zone	$1206	$201
Wrong way/wrong lane	$1206	$205
Passing school bus	$1224	$204
Operating a vehicle without permission	$1240	$211
Speeding 21 - 25 MPH over limit	$1240	$207
Open container	$1382	$235
At-fault accident - $1000-$2000	$1406	$235
At-fault accident - greater than $2000	$1418	$241
Reckless driving	$1840	$307
Driving with a suspended license	$1846	$314
Refusal to submit to a chemical test	$1870	$312
DUI	$1923	$327
Racing	$1964	$328
Leaving scene of an accident/hit and run	$1976	$336

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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 Kemper at $318 for a six-month policy. However, it can be as expensive as $2117 with companies like Farm Bureau.

Santa Rosa car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$318	$53
Central Insurance	$388	$66
Progressive	$694	$117
State Farm	$718	$121
USAA	$806	$136
Farmers	$1176	$198
Nationwide	$1270	$212
Allstate	$1700	$286
Farm Bureau	$2117	$352

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 Iowa Farm Bureau at $242. However, it can be as expensive as $3182 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Santa Rosa after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$242	$41
USAA	$476	$79
State Farm	$552	$93
Progressive	$612	$103
Farm Bureau	$1252	$213
Farmers	$2570	$429
Allstate	$3182	$541

Car Insurance Price Trends in Santa Rosa, New Mexico

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 $191 in December compared to $187 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Santa Rosa rose to $46 in December, compared to $43 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Santa Rosa?

The car insurance in Santa Rosa is $21 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 $118 per month for full coverage.

How much is car insurance in Santa Rosa for teenagers?

Car insurance for teenagers costs $182 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 $996 for a six-month policy. It will cost around $165 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.

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

The best car insurance company in Santa Rosa NM is USAA, offering $700 for a six-month policy.